48069 — Oakland County, Michigan Market Snapshot
Housing market data for zip code 48069 in Oakland County, Michigan. Updated monthly with median prices, days on market, and more.
Market Sales Data
14 sales in 2026 (year to date)
Median Sale Price
$457,500
Days to Sell
7
Homes Sold
14
Inventory
3
Sale-to-List
102.8%
New Listings
17
Price/SqFt
$278
Pending Sales
17
Conforming Loan Available
Most homebuyers in 48069 can comfortably use conventional financing. The median home price of $457,500 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
48069 is an extremely competitive market with homes selling in just 7 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes in 48069 are selling 2.8% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 48069 can comfortably use conventional financing. The median home price of $457,500 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 48069 are set at the county level.
2026 Loan Limits — Oakland 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 48069
To purchase the median home at $457,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,655.
Monthly Payment
$3,655
Income Required
$156,652
Principal & Interest
$2,819/mo
Down Payment (5%)
$22,875
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 48069.
Estimated Monthly Payment
$2,981
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