49802 — Dickinson County, Michigan Market Snapshot
Housing market data for zip code 49802 in Dickinson County, Michigan. Updated monthly with median prices, days on market, and more.
Market Sales Data
20 sales in 2026 (year to date)
Median Sale Price
$172,500
Days to Sell
104
Homes Sold
20
Inventory
20
Sale-to-List
97.8%
New Listings
22
Price/SqFt
$131
Pending Sales
26
Conforming Loan Available
Most homebuyers in 49802 can comfortably use conventional financing. The median home price of $172,500 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
With homes sitting for 104 days on average, 49802 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 49802 sells for 2.2% below asking price (97.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 49802 can comfortably use conventional financing. The median home price of $172,500 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 49802 are set at the county level.
2026 Loan Limits — Dickinson 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 49802
To purchase the median home at $172,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,472.
Monthly Payment
$1,472
Income Required
$63,070
Principal & Interest
$1,063/mo
Down Payment (5%)
$8,625
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 49802.
Estimated Monthly Payment
$1,218
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