48838 — Kent County, Michigan Market Snapshot
Housing market data for zip code 48838 in Kent County, Michigan. Updated monthly with median prices, days on market, and more.
Market Sales Data
60 sales in 2026 (year to date)
Median Sale Price
$292,500
Days to Sell
9
Homes Sold
60
Inventory
32
Sale-to-List
100.9%
New Listings
92
Price/SqFt
$185
Pending Sales
78
Conforming Loan Available
Most homebuyers in 48838 can comfortably use conventional financing. The median home price of $292,500 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
48838 is an extremely competitive market with homes selling in just 9 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 48838 (100.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 48838 can comfortably use conventional financing. The median home price of $292,500 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 48838 are set at the county level.
2026 Loan Limits — Kent 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 48838
To purchase the median home at $292,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,391.
Monthly Payment
$2,391
Income Required
$102,473
Principal & Interest
$1,802/mo
Down Payment (5%)
$14,625
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 48838.
Estimated Monthly Payment
$1,960
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 48838. Tell us what you're looking for.