48446 — Lapeer County, Michigan Market Snapshot
Housing market data for zip code 48446 in Lapeer County, Michigan. Updated monthly with median prices, days on market, and more.
Market Sales Data
11 sales in 2026 (year to date)
Median Sale Price
$273,500
Days to Sell
18
Homes Sold
11
Inventory
8
Sale-to-List
99.7%
New Listings
14
Price/SqFt
$186
Pending Sales
14
Conforming Loan Available
Most homebuyers in 48446 can comfortably use conventional financing. The median home price of $273,500 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
Homes in 48446 are moving quickly at 18 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 48446 (99.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 48446 can comfortably use conventional financing. The median home price of $273,500 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 48446 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 48446
To purchase the median home at $273,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,245.
Monthly Payment
$2,245
Income Required
$96,234
Principal & Interest
$1,685/mo
Down Payment (5%)
$13,675
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 48446.
Estimated Monthly Payment
$1,843
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