49913 — Keweenaw County, Michigan Market Snapshot
Housing market data for zip code 49913 in Keweenaw County, Michigan. Updated monthly with median prices, days on market, and more.
Market Sales Data
10 sales in 2026 (year to date)
Median Sale Price
$139,033
Days to Sell
137
Homes Sold
10
Inventory
29
Sale-to-List
93.0%
New Listings
23
Price/SqFt
$80
Pending Sales
11
Conforming Loan Available
Most homebuyers in 49913 can comfortably use conventional financing. The median home price of $139,033 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 137 days on average, 49913 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 49913 sells for 7.0% below asking price (93.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 49913 can comfortably use conventional financing. The median home price of $139,033 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 49913 are set at the county level.
2026 Loan Limits — Keweenaw 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 49913
To purchase the median home at $139,033 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,215.
Monthly Payment
$1,215
Income Required
$52,081
Principal & Interest
$857/mo
Down Payment (5%)
$6,952
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 49913.
Estimated Monthly Payment
$1,010
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