49663 — Missaukee County, Michigan Market Snapshot
Housing market data for zip code 49663 in Missaukee County, Michigan. Updated monthly with median prices, days on market, and more.
Market Sales Data
13 sales in 2026 (year to date)
Median Sale Price
$148,000
Days to Sell
34
Homes Sold
13
Inventory
26
Sale-to-List
94.7%
New Listings
29
Price/SqFt
$123
Pending Sales
21
Conforming Loan Available
Most homebuyers in 49663 can comfortably use conventional financing. The median home price of $148,000 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
49663's market is balanced with homes taking an average of 34 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 49663 sells for 5.3% below asking price (94.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 49663 can comfortably use conventional financing. The median home price of $148,000 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 49663 are set at the county level.
2026 Loan Limits — Missaukee 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 49663
To purchase the median home at $148,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,284.
Monthly Payment
$1,284
Income Required
$55,026
Principal & Interest
$912/mo
Down Payment (5%)
$7,400
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 49663.
Estimated Monthly Payment
$1,066
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