48327 — Oakland County, Michigan Market Snapshot
Housing market data for zip code 48327 in Oakland 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
$306,500
Days to Sell
23
Homes Sold
70
Inventory
32
Sale-to-List
101.5%
New Listings
94
Price/SqFt
$191
Pending Sales
91
Conforming Loan Available
Most homebuyers in 48327 can comfortably use conventional financing. The median home price of $306,500 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
Homes in 48327 are moving quickly at 23 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 48327 (101.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 48327 can comfortably use conventional financing. The median home price of $306,500 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 48327 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 48327
To purchase the median home at $306,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,498.
Monthly Payment
$2,498
Income Required
$107,070
Principal & Interest
$1,889/mo
Down Payment (5%)
$15,325
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 48327.
Estimated Monthly Payment
$2,047
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