48734 — Saginaw County, Michigan Market Snapshot
Housing market data for zip code 48734 in Saginaw County, Michigan. Updated monthly with median prices, days on market, and more.
Market Sales Data
21 sales in 2026 (year to date)
Median Sale Price
$345,000
Days to Sell
11
Homes Sold
21
Inventory
20
Sale-to-List
98.0%
New Listings
33
Price/SqFt
$163
Pending Sales
23
Conforming Loan Available
Most homebuyers in 48734 can comfortably use conventional financing. The median home price of $345,000 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
48734 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
The average home in 48734 sells for 2.0% below asking price (98.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 48734 can comfortably use conventional financing. The median home price of $345,000 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 48734 are set at the county level.
2026 Loan Limits — Saginaw 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 48734
To purchase the median home at $345,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,793.
Monthly Payment
$2,793
Income Required
$119,712
Principal & Interest
$2,126/mo
Down Payment (5%)
$17,250
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 48734.
Estimated Monthly Payment
$2,285
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