48130 — Washtenaw County, Michigan Market Snapshot
Housing market data for zip code 48130 in Washtenaw County, Michigan. Updated monthly with median prices, days on market, and more.
Market Sales Data
37 sales in 2026 (year to date)
Median Sale Price
$556,000
Days to Sell
30
Homes Sold
37
Inventory
32
Sale-to-List
103.1%
New Listings
57
Price/SqFt
$259
Pending Sales
48
Conforming Loan Available
Most homebuyers in 48130 can comfortably use conventional financing. The median home price of $556,000 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
48130's market is balanced with homes taking an average of 30 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes in 48130 are selling 3.1% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 48130 can comfortably use conventional financing. The median home price of $556,000 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 48130 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 48130
To purchase the median home at $556,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,410.
Monthly Payment
$4,410
Income Required
$188,996
Principal & Interest
$3,426/mo
Down Payment (5%)
$27,800
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 48130.
Estimated Monthly Payment
$3,591
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