48105 — Washtenaw County, Michigan Market Snapshot
Housing market data for zip code 48105 in Washtenaw County, Michigan. Updated monthly with median prices, days on market, and more.
Market Sales Data
41 sales in 2026 (year to date)
Median Sale Price
$617,000
Days to Sell
31
Homes Sold
41
Inventory
56
Sale-to-List
101.6%
New Listings
83
Price/SqFt
$305
Pending Sales
55
Conforming Loan Available
Most homebuyers in 48105 can comfortably use conventional financing. The median home price of $617,000 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
48105's market is balanced with homes taking an average of 31 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 48105 (101.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 48105 can comfortably use conventional financing. The median home price of $617,000 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 48105 are set at the county level.
2026 Loan Limits — Washtenaw 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 48105
To purchase the median home at $617,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,877.
Monthly Payment
$4,877
Income Required
$209,025
Principal & Interest
$3,802/mo
Down Payment (5%)
$30,850
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 48105.
Estimated Monthly Payment
$3,968
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