49274 — Branch County, Michigan Market Snapshot
Housing market data for zip code 49274 in Branch County, Michigan. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$197,450
Days to Sell
54
Homes Sold
12
Inventory
14
Sale-to-List
97.4%
New Listings
20
Price/SqFt
$128
Pending Sales
12
Conforming Loan Available
Most homebuyers in 49274 can comfortably use conventional financing. The median home price of $197,450 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
49274's market is balanced with homes taking an average of 54 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 49274 sells for 2.6% below asking price (97.4% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 49274 can comfortably use conventional financing. The median home price of $197,450 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 49274 are set at the county level.
2026 Loan Limits — Branch County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 49274
To purchase the median home at $197,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,663.
Monthly Payment
$1,663
Income Required
$71,263
Principal & Interest
$1,217/mo
Down Payment (5%)
$9,873
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 49274.
Estimated Monthly Payment
$1,372
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