48074 — St. Clair County, Michigan Market Snapshot
Housing market data for zip code 48074 in St. Clair County, Michigan. Updated monthly with median prices, days on market, and more.
Market Sales Data
24 sales in 2026 (year to date)
Median Sale Price
$245,750
Days to Sell
28
Homes Sold
24
Inventory
12
Sale-to-List
98.1%
New Listings
25
Price/SqFt
$162
Pending Sales
31
Conforming Loan Available
Most homebuyers in 48074 can comfortably use conventional financing. The median home price of $245,750 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 48074 are moving quickly at 28 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 48074 (98.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 48074 can comfortably use conventional financing. The median home price of $245,750 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 48074 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 48074
To purchase the median home at $245,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,033.
Monthly Payment
$2,033
Income Required
$87,122
Principal & Interest
$1,514/mo
Down Payment (5%)
$12,288
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 48074.
Estimated Monthly Payment
$1,671
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