48114 — Livingston County, Michigan Market Snapshot
Housing market data for zip code 48114 in Livingston 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
$487,450
Days to Sell
29
Homes Sold
54
Inventory
50
Sale-to-List
102.5%
New Listings
95
Price/SqFt
$220
Pending Sales
75
Conforming Loan Available
Most homebuyers in 48114 can comfortably use conventional financing. The median home price of $487,450 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 48114 are moving quickly at 29 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes in 48114 are selling 2.5% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 48114 can comfortably use conventional financing. The median home price of $487,450 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 48114 are set at the county level.
2026 Loan Limits — Livingston 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 48114
To purchase the median home at $487,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,885.
Monthly Payment
$3,885
Income Required
$166,487
Principal & Interest
$3,004/mo
Down Payment (5%)
$24,373
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 48114.
Estimated Monthly Payment
$3,167
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