48094 — Macomb County, Michigan Market Snapshot
Housing market data for zip code 48094 in Macomb County, Michigan. Updated monthly with median prices, days on market, and more.
Market Sales Data
60 sales in 2026 (year to date)
Median Sale Price
$520,500
Days to Sell
24
Homes Sold
60
Inventory
55
Sale-to-List
99.6%
New Listings
93
Price/SqFt
$207
Pending Sales
76
Conforming Loan Available
Most homebuyers in 48094 can comfortably use conventional financing. The median home price of $520,500 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 48094 are moving quickly at 24 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 48094 (99.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 48094 can comfortably use conventional financing. The median home price of $520,500 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 48094 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 48094
To purchase the median home at $520,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,138.
Monthly Payment
$4,138
Income Required
$177,339
Principal & Interest
$3,207/mo
Down Payment (5%)
$26,025
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 48094.
Estimated Monthly Payment
$3,371
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