49094 — Calhoun County, Michigan Market Snapshot
Housing market data for zip code 49094 in Calhoun County, Michigan. Updated monthly with median prices, days on market, and more.
Market Sales Data
14 sales in 2026 (year to date)
Median Sale Price
$167,500
Days to Sell
56
Homes Sold
14
Inventory
18
Sale-to-List
94.8%
New Listings
19
Price/SqFt
$137
Pending Sales
20
Conforming Loan Available
Most homebuyers in 49094 can comfortably use conventional financing. The median home price of $167,500 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
49094's market is balanced with homes taking an average of 56 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 49094 sells for 5.2% below asking price (94.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 49094 can comfortably use conventional financing. The median home price of $167,500 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 49094 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 49094
To purchase the median home at $167,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,433.
Monthly Payment
$1,433
Income Required
$61,428
Principal & Interest
$1,032/mo
Down Payment (5%)
$8,375
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 49094.
Estimated Monthly Payment
$1,187
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 49094. Tell us what you're looking for.