49418 — Kent County, Michigan Market Snapshot
Housing market data for zip code 49418 in Kent County, Michigan. Updated monthly with median prices, days on market, and more.
Market Sales Data
54 sales in 2026 (year to date)
Median Sale Price
$421,500
Days to Sell
10
Homes Sold
54
Inventory
17
Sale-to-List
101.5%
New Listings
69
Price/SqFt
$209
Pending Sales
64
Conforming Loan Available
Most homebuyers in 49418 can comfortably use conventional financing. The median home price of $421,500 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
49418 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 49418 (101.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 49418 can comfortably use conventional financing. The median home price of $421,500 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 49418 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 49418
To purchase the median home at $421,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,379.
Monthly Payment
$3,379
Income Required
$144,831
Principal & Interest
$2,597/mo
Down Payment (5%)
$21,075
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 49418.
Estimated Monthly Payment
$2,759
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