48611 — Bay County, Michigan Market Snapshot
Housing market data for zip code 48611 in Bay County, Michigan. Updated monthly with median prices, days on market, and more.
Market Sales Data
15 sales in 2026 (year to date)
Median Sale Price
$230,000
Days to Sell
24
Homes Sold
15
Inventory
4
Sale-to-List
99.8%
New Listings
18
Price/SqFt
$140
Pending Sales
24
Conforming Loan Available
Most homebuyers in 48611 can comfortably use conventional financing. The median home price of $230,000 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 48611 are moving quickly at 24 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 48611 (99.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 48611 can comfortably use conventional financing. The median home price of $230,000 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 48611 are set at the county level.
2026 Loan Limits — Bay 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 48611
To purchase the median home at $230,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,912.
Monthly Payment
$1,912
Income Required
$81,951
Principal & Interest
$1,417/mo
Down Payment (5%)
$11,500
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 48611.
Estimated Monthly Payment
$1,573
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 48611. Tell us what you're looking for.