48039 — St. Clair County, Michigan Market Snapshot
Housing market data for zip code 48039 in St. Clair County, Michigan. Updated monthly with median prices, days on market, and more.
Market Sales Data
18 sales in 2026 (year to date)
Median Sale Price
$195,000
Days to Sell
34
Homes Sold
18
Inventory
10
Sale-to-List
95.6%
New Listings
24
Price/SqFt
$156
Pending Sales
25
Conforming Loan Available
Most homebuyers in 48039 can comfortably use conventional financing. The median home price of $195,000 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
48039's market is balanced with homes taking an average of 34 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 48039 sells for 4.4% below asking price (95.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 48039 can comfortably use conventional financing. The median home price of $195,000 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 48039 are set at the county level.
2026 Loan Limits — St. Clair 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 48039
To purchase the median home at $195,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,644.
Monthly Payment
$1,644
Income Required
$70,458
Principal & Interest
$1,202/mo
Down Payment (5%)
$9,750
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 48039.
Estimated Monthly Payment
$1,357
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 48039. Tell us what you're looking for.