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Pearl Beach CDP, MI

ZIP 48001 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 48001

Median Home Value
$250,000
Median Rent
$742
Affordability Snapshot
$69,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,606/mo PITI).

14%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.9x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

28.1 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 48001 in Pearl Beach CDP, MI, a household would need roughly $69,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,606. That is roughly in line with the local median household income ($64,538). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
83.6%+28% vs US avg
x
Vacancy Rate
10.6%+3% vs US avg
x
Broadband Access
92.3%+6% vs US avg
x
4+ Bedrooms
1.6%-89% vs US avg
x
Built Pre-1939
6.4%-50% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
29.3%-41% vs US avg
x
Mortgage-Free
41.5%+9% vs US avg
x
$250,000
Home Value
$742
Rent
1973
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached87.1%
  • 1-unit attached1.8%
  • 2-9 units4.8%
  • 10+ units2.4%
  • Mobile home & other3.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$250,000
Median rent$742
Owner-occupied83.6%
Vacant10.6%
Price-to-income3.9x
Est. income to buy$69,000