49404 — Muskegon County, Michigan Market Snapshot
Housing market data for zip code 49404 in Muskegon County, Michigan. Updated monthly with median prices, days on market, and more.
Market Sales Data
25 sales in 2026 (year to date)
Median Sale Price
$363,990
Days to Sell
11
Homes Sold
25
Inventory
10
Sale-to-List
101.4%
New Listings
28
Price/SqFt
$214
Pending Sales
31
Conforming Loan Available
Most homebuyers in 49404 can comfortably use conventional financing. The median home price of $363,990 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
49404 is an extremely competitive market with homes selling in just 11 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 49404 (101.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 49404 can comfortably use conventional financing. The median home price of $363,990 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 49404 are set at the county level.
2026 Loan Limits — Muskegon 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 49404
To purchase the median home at $363,990 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,939.
Monthly Payment
$2,939
Income Required
$125,948
Principal & Interest
$2,243/mo
Down Payment (5%)
$18,200
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 49404.
Estimated Monthly Payment
$2,403
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