48412 — Lapeer County, Michigan Market Snapshot
Housing market data for zip code 48412 in Lapeer County, Michigan. Updated monthly with median prices, days on market, and more.
Market Sales Data
11 sales in 2026 (year to date)
Median Sale Price
$330,000
Days to Sell
16
Homes Sold
11
Inventory
16
Sale-to-List
100.7%
New Listings
21
Price/SqFt
$162
Pending Sales
14
Conforming Loan Available
Most homebuyers in 48412 can comfortably use conventional financing. The median home price of $330,000 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 48412 are moving quickly at 16 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 48412 (100.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 48412 can comfortably use conventional financing. The median home price of $330,000 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 48412 are set at the county level.
2026 Loan Limits — Lapeer 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 48412
To purchase the median home at $330,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,678.
Monthly Payment
$2,678
Income Required
$114,787
Principal & Interest
$2,033/mo
Down Payment (5%)
$16,500
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 48412.
Estimated Monthly Payment
$2,192
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