49270 — Monroe County, Michigan Market Snapshot
Housing market data for zip code 49270 in Monroe County, Michigan. Updated monthly with median prices, days on market, and more.
Market Sales Data
11 sales in 2026 (year to date)
Median Sale Price
$268,900
Days to Sell
35
Homes Sold
11
Inventory
9
Sale-to-List
97.3%
New Listings
18
Price/SqFt
$181
Pending Sales
14
Conforming Loan Available
Most homebuyers in 49270 can comfortably use conventional financing. The median home price of $268,900 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
49270's market is balanced with homes taking an average of 35 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 49270 sells for 2.7% below asking price (97.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 49270 can comfortably use conventional financing. The median home price of $268,900 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 49270 are set at the county level.
2026 Loan Limits — Monroe 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 49270
To purchase the median home at $268,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,210.
Monthly Payment
$2,210
Income Required
$94,724
Principal & Interest
$1,657/mo
Down Payment (5%)
$13,445
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 49270.
Estimated Monthly Payment
$1,814
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