48439 — Genesee County, Michigan Market Snapshot
Housing market data for zip code 48439 in Genesee County, Michigan. Updated monthly with median prices, days on market, and more.
Market Sales Data
171 sales in 2026 (year to date)
Median Sale Price
$301,000
Days to Sell
27
Homes Sold
171
Inventory
133
Sale-to-List
99.8%
New Listings
250
Price/SqFt
$157
Pending Sales
227
Conforming Loan Available
Most homebuyers in 48439 can comfortably use conventional financing. The median home price of $301,000 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 48439 are moving quickly at 27 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 48439 (99.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 48439 can comfortably use conventional financing. The median home price of $301,000 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 48439 are set at the county level.
2026 Loan Limits — Genesee 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 48439
To purchase the median home at $301,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,456.
Monthly Payment
$2,456
Income Required
$105,264
Principal & Interest
$1,855/mo
Down Payment (5%)
$15,050
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 48439.
Estimated Monthly Payment
$2,013
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