49457 — Muskegon County, Michigan Market Snapshot
Housing market data for zip code 49457 in Muskegon County, Michigan. Updated monthly with median prices, days on market, and more.
Market Sales Data
39 sales in 2026 (year to date)
Median Sale Price
$299,900
Days to Sell
28
Homes Sold
39
Inventory
22
Sale-to-List
98.5%
New Listings
42
Price/SqFt
$217
Pending Sales
37
Conforming Loan Available
Most homebuyers in 49457 can comfortably use conventional financing. The median home price of $299,900 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 49457 are moving quickly at 28 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 49457 (98.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 49457 can comfortably use conventional financing. The median home price of $299,900 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 49457 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 49457
To purchase the median home at $299,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,448.
Monthly Payment
$2,448
Income Required
$104,903
Principal & Interest
$1,848/mo
Down Payment (5%)
$14,995
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 49457.
Estimated Monthly Payment
$2,006
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