49321 — Kent County, Michigan Market Snapshot
Housing market data for zip code 49321 in Kent County, Michigan. Updated monthly with median prices, days on market, and more.
Market Sales Data
21 sales in 2026 (year to date)
Median Sale Price
$404,900
Days to Sell
6
Homes Sold
21
Inventory
11
Sale-to-List
103.4%
New Listings
32
Price/SqFt
$204
Pending Sales
31
Conforming Loan Available
Most homebuyers in 49321 can comfortably use conventional financing. The median home price of $404,900 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
49321 is an extremely competitive market with homes selling in just 6 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes in 49321 are selling 3.4% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 49321 can comfortably use conventional financing. The median home price of $404,900 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 49321 are set at the county level.
2026 Loan Limits — Kent 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 49321
To purchase the median home at $404,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,252.
Monthly Payment
$3,252
Income Required
$139,381
Principal & Interest
$2,495/mo
Down Payment (5%)
$20,245
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 49321.
Estimated Monthly Payment
$2,656
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