49117 — Berrien County, Michigan Market Snapshot
Housing market data for zip code 49117 in Berrien County, Michigan. Updated monthly with median prices, days on market, and more.
Market Sales Data
10 sales in 2026 (year to date)
Median Sale Price
$639,500
Days to Sell
36
Homes Sold
10
Inventory
10
Sale-to-List
96.7%
New Listings
16
Price/SqFt
$452
Pending Sales
16
Conforming Loan Available
Most homebuyers in 49117 can comfortably use conventional financing. The median home price of $639,500 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
49117's market is balanced with homes taking an average of 36 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 49117 sells for 3.3% below asking price (96.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 49117 can comfortably use conventional financing. The median home price of $639,500 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 49117 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 49117
To purchase the median home at $639,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,050.
Monthly Payment
$5,050
Income Required
$216,414
Principal & Interest
$3,940/mo
Down Payment (5%)
$31,975
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 49117.
Estimated Monthly Payment
$4,108
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 49117. Tell us what you're looking for.