49546 — Kent County, Michigan Market Snapshot
Housing market data for zip code 49546 in Kent County, Michigan. Updated monthly with median prices, days on market, and more.
Market Sales Data
52 sales in 2026 (year to date)
Median Sale Price
$626,250
Days to Sell
6
Homes Sold
52
Inventory
25
Sale-to-List
100.9%
New Listings
81
Price/SqFt
$254
Pending Sales
63
Conforming Loan Available
Most homebuyers in 49546 can comfortably use conventional financing. The median home price of $626,250 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
49546 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 are selling very close to asking price in 49546 (100.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 49546 can comfortably use conventional financing. The median home price of $626,250 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 49546 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 49546
To purchase the median home at $626,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,948.
Monthly Payment
$4,948
Income Required
$212,063
Principal & Interest
$3,859/mo
Down Payment (5%)
$31,313
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 49546.
Estimated Monthly Payment
$4,026
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