48313 — Macomb County, Michigan Market Snapshot
Housing market data for zip code 48313 in Macomb County, Michigan. Updated monthly with median prices, days on market, and more.
Market Sales Data
25 sales in 2026 (year to date)
Median Sale Price
$208,000
Days to Sell
30
Homes Sold
25
Inventory
17
Sale-to-List
97.7%
New Listings
32
Price/SqFt
$153
Pending Sales
27
Conforming Loan Available
Most homebuyers in 48313 can comfortably use conventional financing. The median home price of $208,000 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
48313's market is balanced with homes taking an average of 30 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 48313 sells for 2.3% below asking price (97.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 48313 can comfortably use conventional financing. The median home price of $208,000 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 48313 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 48313
To purchase the median home at $208,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,744.
Monthly Payment
$1,744
Income Required
$74,727
Principal & Interest
$1,282/mo
Down Payment (5%)
$10,400
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 48313.
Estimated Monthly Payment
$1,437
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