48519 — Genesee County, Michigan Market Snapshot
Housing market data for zip code 48519 in Genesee County, Michigan. Updated monthly with median prices, days on market, and more.
Market Sales Data
28 sales in 2026 (year to date)
Median Sale Price
$236,500
Days to Sell
15
Homes Sold
28
Inventory
18
Sale-to-List
98.4%
New Listings
37
Price/SqFt
$146
Pending Sales
33
Conforming Loan Available
Most homebuyers in 48519 can comfortably use conventional financing. The median home price of $236,500 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
Homes in 48519 are moving quickly at 15 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 48519 (98.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 48519 can comfortably use conventional financing. The median home price of $236,500 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 48519 are set at the county level.
2026 Loan Limits — Genesee 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 48519
To purchase the median home at $236,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,962.
Monthly Payment
$1,962
Income Required
$84,085
Principal & Interest
$1,457/mo
Down Payment (5%)
$11,825
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 48519.
Estimated Monthly Payment
$1,614
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