49437 — Oceana County, Michigan Market Snapshot
Housing market data for zip code 49437 in Oceana County, Michigan. Updated monthly with median prices, days on market, and more.
Market Sales Data
20 sales in 2026 (year to date)
Median Sale Price
$290,200
Days to Sell
27
Homes Sold
20
Inventory
13
Sale-to-List
99.3%
New Listings
29
Price/SqFt
$181
Pending Sales
24
Conforming Loan Available
Most homebuyers in 49437 can comfortably use conventional financing. The median home price of $290,200 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 49437 are moving quickly at 27 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 49437 (99.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 49437 can comfortably use conventional financing. The median home price of $290,200 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 49437 are set at the county level.
2026 Loan Limits — Oceana 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 49437
To purchase the median home at $290,200 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,373.
Monthly Payment
$2,373
Income Required
$101,718
Principal & Interest
$1,788/mo
Down Payment (5%)
$14,510
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 49437.
Estimated Monthly Payment
$1,946
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