49424 — Ottawa County, Michigan Market Snapshot
Housing market data for zip code 49424 in Ottawa County, Michigan. Updated monthly with median prices, days on market, and more.
Market Sales Data
93 sales in 2026 (year to date)
Median Sale Price
$434,900
Days to Sell
13
Homes Sold
93
Inventory
46
Sale-to-List
99.4%
New Listings
146
Price/SqFt
$237
Pending Sales
128
Conforming Loan Available
Most homebuyers in 49424 can comfortably use conventional financing. The median home price of $434,900 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
49424 is an extremely competitive market with homes selling in just 13 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 49424 (99.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 49424 can comfortably use conventional financing. The median home price of $434,900 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 49424 are set at the county level.
2026 Loan Limits — Ottawa 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 49424
To purchase the median home at $434,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,482.
Monthly Payment
$3,482
Income Required
$149,232
Principal & Interest
$2,680/mo
Down Payment (5%)
$21,745
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 49424.
Estimated Monthly Payment
$2,842
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