49083 — Kalamazoo County, Michigan Market Snapshot
Housing market data for zip code 49083 in Kalamazoo County, Michigan. Updated monthly with median prices, days on market, and more.
Market Sales Data
38 sales in 2026 (year to date)
Median Sale Price
$370,750
Days to Sell
17
Homes Sold
38
Inventory
30
Sale-to-List
97.9%
New Listings
46
Price/SqFt
$201
Pending Sales
43
Conforming Loan Available
Most homebuyers in 49083 can comfortably use conventional financing. The median home price of $370,750 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
Homes in 49083 are moving quickly at 17 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 49083 sells for 2.1% below asking price (97.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 49083 can comfortably use conventional financing. The median home price of $370,750 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 49083 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 49083
To purchase the median home at $370,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,991.
Monthly Payment
$2,991
Income Required
$128,167
Principal & Interest
$2,284/mo
Down Payment (5%)
$18,538
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 49083.
Estimated Monthly Payment
$2,444
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