49068 — Calhoun County, Michigan Market Snapshot
Housing market data for zip code 49068 in Calhoun County, Michigan. Updated monthly with median prices, days on market, and more.
Market Sales Data
46 sales in 2026 (year to date)
Median Sale Price
$294,950
Days to Sell
32
Homes Sold
46
Inventory
46
Sale-to-List
98.1%
New Listings
72
Price/SqFt
$162
Pending Sales
55
Conforming Loan Available
Most homebuyers in 49068 can comfortably use conventional financing. The median home price of $294,950 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
49068's market is balanced with homes taking an average of 32 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 49068 (98.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 49068 can comfortably use conventional financing. The median home price of $294,950 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 49068 are set at the county level.
2026 Loan Limits — Calhoun 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 49068
To purchase the median home at $294,950 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,410.
Monthly Payment
$2,410
Income Required
$103,278
Principal & Interest
$1,817/mo
Down Payment (5%)
$14,748
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 49068.
Estimated Monthly Payment
$1,975
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 49068. Tell us what you're looking for.