48310 — Macomb County, Michigan Market Snapshot
Housing market data for zip code 48310 in Macomb County, Michigan. Updated monthly with median prices, days on market, and more.
Market Sales Data
83 sales in 2026 (year to date)
Median Sale Price
$331,000
Days to Sell
12
Homes Sold
83
Inventory
47
Sale-to-List
100.5%
New Listings
114
Price/SqFt
$194
Pending Sales
103
Conforming Loan Available
Most homebuyers in 48310 can comfortably use conventional financing. The median home price of $331,000 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
48310 is an extremely competitive market with homes selling in just 12 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 48310 (100.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 48310 can comfortably use conventional financing. The median home price of $331,000 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 48310 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 48310
To purchase the median home at $331,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,686.
Monthly Payment
$2,686
Income Required
$115,115
Principal & Interest
$2,040/mo
Down Payment (5%)
$16,550
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 48310.
Estimated Monthly Payment
$2,198
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