48458 — Genesee County, Michigan Market Snapshot
Housing market data for zip code 48458 in Genesee County, Michigan. Updated monthly with median prices, days on market, and more.
Market Sales Data
44 sales in 2026 (year to date)
Median Sale Price
$145,500
Days to Sell
34
Homes Sold
44
Inventory
58
Sale-to-List
98.5%
New Listings
90
Price/SqFt
$113
Pending Sales
69
Conforming Loan Available
Most homebuyers in 48458 can comfortably use conventional financing. The median home price of $145,500 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
48458's market is balanced with homes taking an average of 34 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 48458 (98.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 48458 can comfortably use conventional financing. The median home price of $145,500 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 48458 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 48458
To purchase the median home at $145,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,265.
Monthly Payment
$1,265
Income Required
$54,204
Principal & Interest
$897/mo
Down Payment (5%)
$7,275
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 48458.
Estimated Monthly Payment
$1,050
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