Oakland County, Michigan Housing Market & Loan Limits
Explore county loan limits, affordability benchmarks, and ZIP-level market pages for Oakland County, Michigan.
2026 Loan Limits in Oakland County
| Property Type | Conforming | FHA |
|---|---|---|
| 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 - Oakland County, Michigan
To purchase the median home at $350,000 with 5% down at 6.75%, the estimated monthly payment is approximately $2,832.
Monthly Payment
$2,832
Income Required
$121,354
Principal & Interest
$2,157/mo
Down Payment (5%)
$17,500
Based on a 30-year fixed loan at 6.75%, 1.8% property tax, $1,800/yr insurance, and a 28% DTI guideline.
ZIP codes in Oakland County
Jump into ZIP-level market pages for this county.
- 48009
- 48017
- 48025
- 48030
- 48033
- 48034
- 48067
- 48069
- 48070
- 48071
- 48072
- 48073
- 48075
- 48076
- 48083
- 48084
- 48085
- 48098
- 48165
- 48167
- 48178
- 48220
- 48237
- 48301
- 48302
- 48304
- 48306
- 48307
- 48309
- 48320
- 48322
- 48323
- 48324
- 48326
- 48327
- 48328
- 48329
- 48331
- 48334
- 48335
- 48336
- 48340
- 48341
- 48342
- 48346
- 48348
- 48350
- 48356
- 48357
- 48359
- 48360
- 48362
- 48363
- 48367
- 48370
- 48371
- 48374
- 48375
- 48377
- 48380
- 48381
- 48382
- 48383
- 48386
- 48390
- 48393
- 48428
- 48430
- 48439
- 48442
- 48462