49426 — Ottawa County, Michigan Market Snapshot
Housing market data for zip code 49426 in Ottawa County, Michigan. Updated monthly with median prices, days on market, and more.
Market Sales Data
32 sales in 2026 (year to date)
Median Sale Price
$357,450
Days to Sell
11
Homes Sold
32
Inventory
12
Sale-to-List
100.6%
New Listings
42
Price/SqFt
$209
Pending Sales
37
Conforming Loan Available
Most homebuyers in 49426 can comfortably use conventional financing. The median home price of $357,450 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
49426 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 49426 (100.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 49426 can comfortably use conventional financing. The median home price of $357,450 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 49426 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 49426
To purchase the median home at $357,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,889.
Monthly Payment
$2,889
Income Required
$123,800
Principal & Interest
$2,202/mo
Down Payment (5%)
$17,873
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 49426.
Estimated Monthly Payment
$2,362
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