49085 — Berrien County, Michigan Market Snapshot
Housing market data for zip code 49085 in Berrien County, Michigan. Updated monthly with median prices, days on market, and more.
Market Sales Data
82 sales in 2026 (year to date)
Median Sale Price
$374,900
Days to Sell
44
Homes Sold
82
Inventory
124
Sale-to-List
98.3%
New Listings
155
Price/SqFt
$210
Pending Sales
132
Conforming Loan Available
Most homebuyers in 49085 can comfortably use conventional financing. The median home price of $374,900 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
49085's market is balanced with homes taking an average of 44 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 49085 (98.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 49085 can comfortably use conventional financing. The median home price of $374,900 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 49085 are set at the county level.
2026 Loan Limits — Berrien 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 49085
To purchase the median home at $374,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,022.
Monthly Payment
$3,022
Income Required
$129,530
Principal & Interest
$2,310/mo
Down Payment (5%)
$18,745
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 49085.
Estimated Monthly Payment
$2,470
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