48604 — Saginaw County, Michigan Market Snapshot
Housing market data for zip code 48604 in Saginaw County, Michigan. Updated monthly with median prices, days on market, and more.
Market Sales Data
16 sales in 2026 (year to date)
Median Sale Price
$162,450
Days to Sell
9
Homes Sold
16
Inventory
17
Sale-to-List
98.8%
New Listings
30
Price/SqFt
$128
Pending Sales
19
Within Conforming Limit Estimate
At 5% down, the estimated base loan for the $162,450 median-priced home in 48604 is $154,328. The 2026 conforming limit is $832,750. The limit applies to the loan amount, not the home price. This estimate does not determine loan eligibility, approval, rate, fees, or mortgage insurance.
Market Insights
Market Temperature
The median listing-to-close time for the reported sales in 48604 is 9 days. Use this measure with the sale count, property type, condition, price range, and inventory. It does not predict competition or negotiation results for a specific home.
Sale-to-List Ratio
The reported average sale-to-list ratio in 48604 is 98.8%. This aggregate does not predict the sale price or appraisal for a specific home.
Conforming Loan Feasibility
At 5% down, the estimated base loan for the $162,450 median-priced home in 48604 is $154,328. The 2026 conforming limit is $832,750. The limit applies to the loan amount, not the home price. This estimate does not determine loan eligibility, approval, rate, fees, or mortgage insurance.
Loan limits in 48604 are set at the county level.
2026 Loan Limits — Saginaw 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 48604
To purchase the median home at $162,450 with 5% down at the assumed 6.75% rate, the estimated monthly payment is approximately $1,459.
Monthly Payment
$1,459
Income Required
$62,526
Principal & Interest
$1,001/mo
Property Tax
$244/mo
Home Insurance
$150/mo
Estimated PMI
$64/mo
Down Payment (5%)
$8,123
Assumes a 30-year fixed loan at 6.75%, 1.8% property tax, $1,800 annual insurance, and a 28% housing-to-income planning ratio. Planning estimate only. The income figure divides the displayed monthly housing estimate by a 28% housing-to-income ratio. It is not an approval rule. The mortgage insurance estimate uses 0.5% of the loan amount per year. Actual rates, taxes, insurance, mortgage insurance, HOA or condo dues, closing costs, repairs, utilities, other debts, and approval rules can differ. Compare actual terms and your Loan Estimate.
Mortgage Calculator
Estimate your monthly payment for a home in 48604.
Estimated Monthly Payment
$1,155
Estimates only. Actual payments, taxes, insurance, mortgage insurance, rates, and loan terms can differ. This calculator is not a loan offer.
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 48604. Tell us what you're looking for.