48444 — Lapeer County, Michigan Market Snapshot
Housing market data for zip code 48444 in Lapeer County, Michigan. Updated monthly with median prices, days on market, and more.
Market Sales Data
17 sales in 2026 (year to date)
Median Sale Price
$302,000
Days to Sell
31
Homes Sold
17
Inventory
16
Sale-to-List
99.8%
New Listings
22
Price/SqFt
$163
Pending Sales
22
Conforming Loan Available
Most homebuyers in 48444 can comfortably use conventional financing. The median home price of $302,000 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
48444's market is balanced with homes taking an average of 31 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 48444 (99.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 48444 can comfortably use conventional financing. The median home price of $302,000 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 48444 are set at the county level.
2026 Loan Limits — Lapeer 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 48444
To purchase the median home at $302,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,464.
Monthly Payment
$2,464
Income Required
$105,593
Principal & Interest
$1,861/mo
Down Payment (5%)
$15,100
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 48444.
Estimated Monthly Payment
$2,019
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