49031 — Cass County, Michigan Market Snapshot
Housing market data for zip code 49031 in Cass County, Michigan. Updated monthly with median prices, days on market, and more.
Market Sales Data
18 sales in 2026 (year to date)
Median Sale Price
$260,500
Days to Sell
52
Homes Sold
18
Inventory
30
Sale-to-List
100.3%
New Listings
33
Price/SqFt
$210
Pending Sales
24
Conforming Loan Available
Most homebuyers in 49031 can comfortably use conventional financing. The median home price of $260,500 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
49031's market is balanced with homes taking an average of 52 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 49031 (100.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 49031 can comfortably use conventional financing. The median home price of $260,500 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 49031 are set at the county level.
2026 Loan Limits — Cass 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 49031
To purchase the median home at $260,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,146.
Monthly Payment
$2,146
Income Required
$91,966
Principal & Interest
$1,605/mo
Down Payment (5%)
$13,025
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 49031.
Estimated Monthly Payment
$1,762
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