49006 — Kalamazoo County, Michigan Market Snapshot
Housing market data for zip code 49006 in Kalamazoo County, Michigan. Updated monthly with median prices, days on market, and more.
Market Sales Data
16 sales in 2026 (year to date)
Median Sale Price
$164,500
Days to Sell
63
Homes Sold
16
Inventory
13
Sale-to-List
95.4%
New Listings
16
Price/SqFt
$164
Pending Sales
12
Conforming Loan Available
Most homebuyers in 49006 can comfortably use conventional financing. The median home price of $164,500 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 63 days on average, 49006 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 49006 sells for 4.6% below asking price (95.4% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 49006 can comfortably use conventional financing. The median home price of $164,500 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 49006 are set at the county level.
2026 Loan Limits — Kalamazoo 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 49006
To purchase the median home at $164,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,410.
Monthly Payment
$1,410
Income Required
$60,444
Principal & Interest
$1,014/mo
Down Payment (5%)
$8,225
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 49006.
Estimated Monthly Payment
$1,168
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