48813 — Calhoun County, Michigan Market Snapshot
Housing market data for zip code 48813 in Calhoun 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
$244,605
Days to Sell
35
Homes Sold
47
Inventory
37
Sale-to-List
101.7%
New Listings
69
Price/SqFt
$141
Pending Sales
69
Conforming Loan Available
Most homebuyers in 48813 can comfortably use conventional financing. The median home price of $244,605 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
48813's market is balanced with homes taking an average of 35 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 48813 (101.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 48813 can comfortably use conventional financing. The median home price of $244,605 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 48813 are set at the county level.
2026 Loan Limits — Calhoun 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 48813
To purchase the median home at $244,605 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,024.
Monthly Payment
$2,024
Income Required
$86,747
Principal & Interest
$1,507/mo
Down Payment (5%)
$12,230
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 48813.
Estimated Monthly Payment
$1,664
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