49323 — Ottawa County, Michigan Market Snapshot
Housing market data for zip code 49323 in Ottawa County, Michigan. Updated monthly with median prices, days on market, and more.
Market Sales Data
15 sales in 2026 (year to date)
Median Sale Price
$383,721
Days to Sell
8
Homes Sold
15
Inventory
1
Sale-to-List
101.6%
New Listings
19
Price/SqFt
$216
Pending Sales
19
Conforming Loan Available
Most homebuyers in 49323 can comfortably use conventional financing. The median home price of $383,721 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
49323 is an extremely competitive market with homes selling in just 8 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 49323 (101.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 49323 can comfortably use conventional financing. The median home price of $383,721 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 49323 are set at the county level.
2026 Loan Limits — Ottawa 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 49323
To purchase the median home at $383,721 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,090.
Monthly Payment
$3,090
Income Required
$132,426
Principal & Interest
$2,364/mo
Down Payment (5%)
$19,186
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 49323.
Estimated Monthly Payment
$2,525
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