48065 — Macomb County, Michigan Market Snapshot
Housing market data for zip code 48065 in Macomb County, Michigan. Updated monthly with median prices, days on market, and more.
Market Sales Data
32 sales in 2026 (year to date)
Median Sale Price
$470,000
Days to Sell
21
Homes Sold
32
Inventory
23
Sale-to-List
99.3%
New Listings
40
Price/SqFt
$236
Pending Sales
39
Conforming Loan Available
Most homebuyers in 48065 can comfortably use conventional financing. The median home price of $470,000 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 48065 are moving quickly at 21 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 48065 (99.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 48065 can comfortably use conventional financing. The median home price of $470,000 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 48065 are set at the county level.
2026 Loan Limits — Macomb 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 48065
To purchase the median home at $470,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,751.
Monthly Payment
$3,751
Income Required
$160,757
Principal & Interest
$2,896/mo
Down Payment (5%)
$23,500
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 48065.
Estimated Monthly Payment
$3,059
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 48065. Tell us what you're looking for.