49460 — Ottawa County, Michigan Market Snapshot
Housing market data for zip code 49460 in Ottawa 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
$487,500
Days to Sell
47
Homes Sold
14
Inventory
21
Sale-to-List
95.3%
New Listings
31
Price/SqFt
$226
Pending Sales
18
Conforming Loan Available
Most homebuyers in 49460 can comfortably use conventional financing. The median home price of $487,500 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
49460's market is balanced with homes taking an average of 47 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 49460 sells for 4.7% below asking price (95.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 49460 can comfortably use conventional financing. The median home price of $487,500 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 49460 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 49460
To purchase the median home at $487,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,885.
Monthly Payment
$3,885
Income Required
$166,503
Principal & Interest
$3,004/mo
Down Payment (5%)
$24,375
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 49460.
Estimated Monthly Payment
$3,167
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