49444 — Muskegon County, Michigan Market Snapshot
Housing market data for zip code 49444 in Muskegon County, Michigan. Updated monthly with median prices, days on market, and more.
Market Sales Data
70 sales in 2026 (year to date)
Median Sale Price
$149,900
Days to Sell
29
Homes Sold
70
Inventory
68
Sale-to-List
97.9%
New Listings
114
Price/SqFt
$141
Pending Sales
94
Conforming Loan Available
Most homebuyers in 49444 can comfortably use conventional financing. The median home price of $149,900 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
Homes in 49444 are moving quickly at 29 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 49444 sells for 2.1% below asking price (97.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 49444 can comfortably use conventional financing. The median home price of $149,900 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 49444 are set at the county level.
2026 Loan Limits — Muskegon 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 49444
To purchase the median home at $149,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,298.
Monthly Payment
$1,298
Income Required
$55,650
Principal & Interest
$924/mo
Down Payment (5%)
$7,495
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 49444.
Estimated Monthly Payment
$1,078
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