49302 — Ionia County, Michigan Market Snapshot
Housing market data for zip code 49302 in Ionia County, Michigan. Updated monthly with median prices, days on market, and more.
Market Sales Data
23 sales in 2026 (year to date)
Median Sale Price
$639,900
Days to Sell
24
Homes Sold
23
Inventory
26
Sale-to-List
99.0%
New Listings
41
Price/SqFt
$249
Pending Sales
32
Conforming Loan Available
Most homebuyers in 49302 can comfortably use conventional financing. The median home price of $639,900 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 49302 are moving quickly at 24 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 49302 (99.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 49302 can comfortably use conventional financing. The median home price of $639,900 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 49302 are set at the county level.
2026 Loan Limits — Ionia 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 49302
To purchase the median home at $639,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,053.
Monthly Payment
$5,053
Income Required
$216,545
Principal & Interest
$3,943/mo
Down Payment (5%)
$31,995
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 49302.
Estimated Monthly Payment
$4,110
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