48906 — Clinton County, Michigan Market Snapshot
Housing market data for zip code 48906 in Clinton County, Michigan. Updated monthly with median prices, days on market, and more.
Market Sales Data
86 sales in 2026 (year to date)
Median Sale Price
$155,500
Days to Sell
42
Homes Sold
86
Inventory
65
Sale-to-List
100.0%
New Listings
101
Price/SqFt
$133
Pending Sales
108
Conforming Loan Available
Most homebuyers in 48906 can comfortably use conventional financing. The median home price of $155,500 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
48906's market is balanced with homes taking an average of 42 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 48906 (100.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 48906 can comfortably use conventional financing. The median home price of $155,500 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 48906 are set at the county level.
2026 Loan Limits — Clinton 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 48906
To purchase the median home at $155,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,341.
Monthly Payment
$1,341
Income Required
$57,488
Principal & Interest
$958/mo
Down Payment (5%)
$7,775
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 48906.
Estimated Monthly Payment
$1,112
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