49504 — Kent County, Michigan Market Snapshot
Housing market data for zip code 49504 in Kent County, Michigan. Updated monthly with median prices, days on market, and more.
Market Sales Data
76 sales in 2026 (year to date)
Median Sale Price
$306,000
Days to Sell
6
Homes Sold
76
Inventory
15
Sale-to-List
102.9%
New Listings
90
Price/SqFt
$208
Pending Sales
83
Conforming Loan Available
Most homebuyers in 49504 can comfortably use conventional financing. The median home price of $306,000 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
49504 is an extremely competitive market with homes selling in just 6 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes in 49504 are selling 2.9% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 49504 can comfortably use conventional financing. The median home price of $306,000 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 49504 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 49504
To purchase the median home at $306,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,494.
Monthly Payment
$2,494
Income Required
$106,906
Principal & Interest
$1,885/mo
Down Payment (5%)
$15,300
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 49504.
Estimated Monthly Payment
$2,044
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