48178 — Livingston County, Michigan Market Snapshot
Housing market data for zip code 48178 in Livingston County, Michigan. Updated monthly with median prices, days on market, and more.
Market Sales Data
40 sales in 2026 (year to date)
Median Sale Price
$172,450
Days to Sell
37
Homes Sold
40
Inventory
54
Sale-to-List
97.6%
New Listings
74
Price/SqFt
$151
Pending Sales
47
Conforming Loan Available
Most homebuyers in 48178 can comfortably use conventional financing. The median home price of $172,450 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
48178's market is balanced with homes taking an average of 37 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 48178 sells for 2.4% below asking price (97.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 48178 can comfortably use conventional financing. The median home price of $172,450 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 48178 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 48178
To purchase the median home at $172,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,471.
Monthly Payment
$1,471
Income Required
$63,054
Principal & Interest
$1,063/mo
Down Payment (5%)
$8,623
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 48178.
Estimated Monthly Payment
$1,217
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