49091 — St. Joseph County, Michigan Market Snapshot
Housing market data for zip code 49091 in St. Joseph County, Michigan. Updated monthly with median prices, days on market, and more.
Market Sales Data
44 sales in 2026 (year to date)
Median Sale Price
$222,500
Days to Sell
37
Homes Sold
44
Inventory
42
Sale-to-List
96.9%
New Listings
64
Price/SqFt
$151
Pending Sales
61
Conforming Loan Available
Most homebuyers in 49091 can comfortably use conventional financing. The median home price of $222,500 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
49091's market is balanced with homes taking an average of 37 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 49091 sells for 3.1% below asking price (96.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 49091 can comfortably use conventional financing. The median home price of $222,500 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 49091 are set at the county level.
2026 Loan Limits — St. Joseph 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 49091
To purchase the median home at $222,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,855.
Monthly Payment
$1,855
Income Required
$79,488
Principal & Interest
$1,371/mo
Down Payment (5%)
$11,125
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 49091.
Estimated Monthly Payment
$1,527
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