48823 — Clinton County, Michigan Market Snapshot
Housing market data for zip code 48823 in Clinton County, Michigan. Updated monthly with median prices, days on market, and more.
Market Sales Data
128 sales in 2026 (year to date)
Median Sale Price
$346,250
Days to Sell
30
Homes Sold
128
Inventory
111
Sale-to-List
100.1%
New Listings
187
Price/SqFt
$176
Pending Sales
154
Conforming Loan Available
Most homebuyers in 48823 can comfortably use conventional financing. The median home price of $346,250 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
48823's market is balanced with homes taking an average of 30 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 48823 (100.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 48823 can comfortably use conventional financing. The median home price of $346,250 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 48823 are set at the county level.
2026 Loan Limits — Clinton 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 48823
To purchase the median home at $346,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,803.
Monthly Payment
$2,803
Income Required
$120,122
Principal & Interest
$2,133/mo
Down Payment (5%)
$17,313
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 48823.
Estimated Monthly Payment
$2,293
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