48532 — Genesee County, Michigan Market Snapshot
Housing market data for zip code 48532 in Genesee County, Michigan. Updated monthly with median prices, days on market, and more.
Market Sales Data
50 sales in 2026 (year to date)
Median Sale Price
$188,500
Days to Sell
26
Homes Sold
50
Inventory
31
Sale-to-List
98.1%
New Listings
59
Price/SqFt
$111
Pending Sales
45
Conforming Loan Available
Most homebuyers in 48532 can comfortably use conventional financing. The median home price of $188,500 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 48532 are moving quickly at 26 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 48532 (98.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 48532 can comfortably use conventional financing. The median home price of $188,500 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 48532 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 48532
To purchase the median home at $188,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,594.
Monthly Payment
$1,594
Income Required
$68,324
Principal & Interest
$1,161/mo
Down Payment (5%)
$9,425
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 48532.
Estimated Monthly Payment
$1,317
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