49078 — Kalamazoo County, Michigan Market Snapshot
Housing market data for zip code 49078 in Kalamazoo County, Michigan. Updated monthly with median prices, days on market, and more.
Market Sales Data
22 sales in 2026 (year to date)
Median Sale Price
$267,500
Days to Sell
5
Homes Sold
22
Inventory
14
Sale-to-List
99.3%
New Listings
37
Price/SqFt
$167
Pending Sales
29
Conforming Loan Available
Most homebuyers in 49078 can comfortably use conventional financing. The median home price of $267,500 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
49078 is an extremely competitive market with homes selling in just 5 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 49078 (99.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 49078 can comfortably use conventional financing. The median home price of $267,500 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 49078 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 49078
To purchase the median home at $267,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,200.
Monthly Payment
$2,200
Income Required
$94,264
Principal & Interest
$1,648/mo
Down Payment (5%)
$13,375
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 49078.
Estimated Monthly Payment
$1,806
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