48827 — Eaton County, Michigan Market Snapshot
Housing market data for zip code 48827 in Eaton County, Michigan. Updated monthly with median prices, days on market, and more.
Market Sales Data
36 sales in 2026 (year to date)
Median Sale Price
$263,750
Days to Sell
34
Homes Sold
36
Inventory
32
Sale-to-List
97.9%
New Listings
53
Price/SqFt
$152
Pending Sales
49
Conforming Loan Available
Most homebuyers in 48827 can comfortably use conventional financing. The median home price of $263,750 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
48827's market is balanced with homes taking an average of 34 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 48827 sells for 2.1% below asking price (97.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 48827 can comfortably use conventional financing. The median home price of $263,750 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 48827 are set at the county level.
2026 Loan Limits — Eaton 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 48827
To purchase the median home at $263,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,171.
Monthly Payment
$2,171
Income Required
$93,033
Principal & Interest
$1,625/mo
Down Payment (5%)
$13,188
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 48827.
Estimated Monthly Payment
$1,782
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 48827. Tell us what you're looking for.