48433 — Shiawassee County, Michigan Market Snapshot
Housing market data for zip code 48433 in Shiawassee County, Michigan. Updated monthly with median prices, days on market, and more.
Market Sales Data
75 sales in 2026 (year to date)
Median Sale Price
$249,900
Days to Sell
26
Homes Sold
75
Inventory
59
Sale-to-List
99.5%
New Listings
109
Price/SqFt
$140
Pending Sales
93
Conforming Loan Available
Most homebuyers in 48433 can comfortably use conventional financing. The median home price of $249,900 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
Homes in 48433 are moving quickly at 26 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 48433 (99.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 48433 can comfortably use conventional financing. The median home price of $249,900 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 48433 are set at the county level.
2026 Loan Limits — Shiawassee 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 48433
To purchase the median home at $249,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,065.
Monthly Payment
$2,065
Income Required
$88,485
Principal & Interest
$1,540/mo
Down Payment (5%)
$12,495
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 48433.
Estimated Monthly Payment
$1,697
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