49346 — Newaygo County, Michigan Market Snapshot
Housing market data for zip code 49346 in Newaygo County, Michigan. Updated monthly with median prices, days on market, and more.
Market Sales Data
43 sales in 2026 (year to date)
Median Sale Price
$349,900
Days to Sell
43
Homes Sold
43
Inventory
52
Sale-to-List
98.8%
New Listings
75
Price/SqFt
$205
Pending Sales
46
Conforming Loan Available
Most homebuyers in 49346 can comfortably use conventional financing. The median home price of $349,900 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
49346's market is balanced with homes taking an average of 43 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 49346 (98.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 49346 can comfortably use conventional financing. The median home price of $349,900 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 49346 are set at the county level.
2026 Loan Limits — Newaygo 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 49346
To purchase the median home at $349,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,831.
Monthly Payment
$2,831
Income Required
$121,321
Principal & Interest
$2,156/mo
Down Payment (5%)
$17,495
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 49346.
Estimated Monthly Payment
$2,315
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