48849 — Barry County, Michigan Market Snapshot
Housing market data for zip code 48849 in Barry County, Michigan. Updated monthly with median prices, days on market, and more.
Market Sales Data
11 sales in 2026 (year to date)
Median Sale Price
$250,000
Days to Sell
8
Homes Sold
11
Inventory
6
Sale-to-List
99.5%
New Listings
24
Price/SqFt
$179
Pending Sales
19
Conforming Loan Available
Most homebuyers in 48849 can comfortably use conventional financing. The median home price of $250,000 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
48849 is an extremely competitive market with homes selling in just 8 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 48849 (99.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 48849 can comfortably use conventional financing. The median home price of $250,000 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 48849 are set at the county level.
2026 Loan Limits — Barry 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 48849
To purchase the median home at $250,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,065.
Monthly Payment
$2,065
Income Required
$88,518
Principal & Interest
$1,540/mo
Down Payment (5%)
$12,500
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 48849.
Estimated Monthly Payment
$1,697
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