49004 — Kalamazoo County, Michigan Market Snapshot
Housing market data for zip code 49004 in Kalamazoo County, Michigan. Updated monthly with median prices, days on market, and more.
Market Sales Data
46 sales in 2026 (year to date)
Median Sale Price
$226,750
Days to Sell
10
Homes Sold
46
Inventory
26
Sale-to-List
99.2%
New Listings
69
Price/SqFt
$167
Pending Sales
61
Conforming Loan Available
Most homebuyers in 49004 can comfortably use conventional financing. The median home price of $226,750 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
49004 is an extremely competitive market with homes selling in just 10 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 49004 (99.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 49004 can comfortably use conventional financing. The median home price of $226,750 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 49004 are set at the county level.
2026 Loan Limits — Kalamazoo 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 49004
To purchase the median home at $226,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,887.
Monthly Payment
$1,887
Income Required
$80,884
Principal & Interest
$1,397/mo
Down Payment (5%)
$11,338
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 49004.
Estimated Monthly Payment
$1,553
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