48315 — Macomb County, Michigan Market Snapshot
Housing market data for zip code 48315 in Macomb County, Michigan. Updated monthly with median prices, days on market, and more.
Market Sales Data
92 sales in 2026 (year to date)
Median Sale Price
$489,750
Days to Sell
24
Homes Sold
92
Inventory
80
Sale-to-List
99.5%
New Listings
138
Price/SqFt
$198
Pending Sales
92
Conforming Loan Available
Most homebuyers in 48315 can comfortably use conventional financing. The median home price of $489,750 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 48315 are moving quickly at 24 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 48315 (99.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 48315 can comfortably use conventional financing. The median home price of $489,750 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 48315 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 48315
To purchase the median home at $489,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,902.
Monthly Payment
$3,902
Income Required
$167,242
Principal & Interest
$3,018/mo
Down Payment (5%)
$24,488
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 48315.
Estimated Monthly Payment
$3,181
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