49021 — Eaton County, Michigan Market Snapshot
Housing market data for zip code 49021 in Eaton County, Michigan. Updated monthly with median prices, days on market, and more.
Market Sales Data
18 sales in 2026 (year to date)
Median Sale Price
$274,500
Days to Sell
38
Homes Sold
18
Inventory
12
Sale-to-List
97.5%
New Listings
29
Price/SqFt
$151
Pending Sales
25
Conforming Loan Available
Most homebuyers in 49021 can comfortably use conventional financing. The median home price of $274,500 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
49021's market is balanced with homes taking an average of 38 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 49021 sells for 2.5% below asking price (97.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 49021 can comfortably use conventional financing. The median home price of $274,500 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 49021 are set at the county level.
2026 Loan Limits — Eaton 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 49021
To purchase the median home at $274,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,253.
Monthly Payment
$2,253
Income Required
$96,563
Principal & Interest
$1,691/mo
Down Payment (5%)
$13,725
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 49021.
Estimated Monthly Payment
$1,849
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