49434 — Ottawa County, Michigan Market Snapshot
Housing market data for zip code 49434 in Ottawa County, Michigan. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 2 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Ottawa County county page for broader data.
Market Sales Data
2 sales in 2026 (year to date)
Median Sale Price
$1,300,000
Days to Sell
7
Homes Sold
2
Inventory
N/A
Jumbo Loan Likely Needed
The median home in 49434 at $1,300,000 exceeds the 2026 conforming loan limit of $832,750 by $467,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
49434 is an extremely competitive market with homes selling in just 7 days on average. Buyers need pre-approval letters ready before making offers.
Conforming Loan Feasibility
The median home in 49434 at $1,300,000 exceeds the 2026 conforming loan limit of $832,750 by $467,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 49434 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 49434
To purchase the median home at $1,300,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $10,110.
Monthly Payment
$10,110
Income Required
$433,294
Principal & Interest
$8,010/mo
Down Payment (5%)
$65,000
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 49434.
Estimated Monthly Payment
$8,195
Jumbo loan required. Loan amount exceeds the $832,750 conforming limit for 49434.
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