49099 — Cass County, Michigan Market Snapshot
Housing market data for zip code 49099 in Cass County, Michigan. Updated monthly with median prices, days on market, and more.
Market Sales Data
22 sales in 2026 (year to date)
Median Sale Price
$254,750
Days to Sell
18
Homes Sold
22
Inventory
9
Sale-to-List
99.1%
New Listings
20
Price/SqFt
$148
Pending Sales
23
Conforming Loan Available
Most homebuyers in 49099 can comfortably use conventional financing. The median home price of $254,750 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
Homes in 49099 are moving quickly at 18 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 49099 (99.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 49099 can comfortably use conventional financing. The median home price of $254,750 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 49099 are set at the county level.
2026 Loan Limits — Cass 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 49099
To purchase the median home at $254,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,102.
Monthly Payment
$2,102
Income Required
$90,078
Principal & Interest
$1,570/mo
Down Payment (5%)
$12,738
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 49099.
Estimated Monthly Payment
$1,727
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