49651 — Missaukee County, Michigan Market Snapshot
Housing market data for zip code 49651 in Missaukee County, Michigan. Updated monthly with median prices, days on market, and more.
Market Sales Data
28 sales in 2026 (year to date)
Median Sale Price
$209,250
Days to Sell
32
Homes Sold
28
Inventory
48
Sale-to-List
97.0%
New Listings
57
Price/SqFt
$144
Pending Sales
46
Conforming Loan Available
Most homebuyers in 49651 can comfortably use conventional financing. The median home price of $209,250 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
49651's market is balanced with homes taking an average of 32 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 49651 sells for 3.0% below asking price (97.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 49651 can comfortably use conventional financing. The median home price of $209,250 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 49651 are set at the county level.
2026 Loan Limits — Missaukee 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 49651
To purchase the median home at $209,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,753.
Monthly Payment
$1,753
Income Required
$75,137
Principal & Interest
$1,289/mo
Down Payment (5%)
$10,463
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 49651.
Estimated Monthly Payment
$1,445
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