49080 — Allegan County, Michigan Market Snapshot
Housing market data for zip code 49080 in Allegan County, Michigan. Updated monthly with median prices, days on market, and more.
Market Sales Data
47 sales in 2026 (year to date)
Median Sale Price
$270,000
Days to Sell
15
Homes Sold
47
Inventory
25
Sale-to-List
97.7%
New Listings
57
Price/SqFt
$180
Pending Sales
48
Conforming Loan Available
Most homebuyers in 49080 can comfortably use conventional financing. The median home price of $270,000 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
Homes in 49080 are moving quickly at 15 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 49080 sells for 2.3% below asking price (97.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 49080 can comfortably use conventional financing. The median home price of $270,000 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 49080 are set at the county level.
2026 Loan Limits — Allegan 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 49080
To purchase the median home at $270,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,219.
Monthly Payment
$2,219
Income Required
$95,085
Principal & Interest
$1,664/mo
Down Payment (5%)
$13,500
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 49080.
Estimated Monthly Payment
$1,821
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