48082 — Macomb County, Michigan Market Snapshot
Housing market data for zip code 48082 in Macomb County, Michigan. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$222,500
Days to Sell
24
Homes Sold
12
Inventory
15
Sale-to-List
97.2%
New Listings
24
Price/SqFt
$147
Pending Sales
17
Conforming Loan Available
Most homebuyers in 48082 can comfortably use conventional financing. The median home price of $222,500 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 48082 are moving quickly at 24 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 48082 sells for 2.8% below asking price (97.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 48082 can comfortably use conventional financing. The median home price of $222,500 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 48082 are set at the county level.
2026 Loan Limits — Macomb 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 48082
To purchase the median home at $222,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,855.
Monthly Payment
$1,855
Income Required
$79,488
Principal & Interest
$1,371/mo
Down Payment (5%)
$11,125
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 48082.
Estimated Monthly Payment
$1,527
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