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Shields CDP, MI

ZIP 48609 — 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 48609

Median Home Value
$166,400
Median Rent
$711
Affordability Snapshot
$46,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,069/mo PITI).

11%
Rent-to-Income Ratio

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

2.1x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

19.5 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 48609 in Shields CDP, MI, a household would need roughly $46,000 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 $1,069. That sits below the local median household income ($78,800), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
87.4%+34% vs US avg
x
Vacancy Rate
3.8%-64% vs US avg
x
Broadband Access
88.6%+2% vs US avg
x
4+ Bedrooms
2.0%-86% vs US avg
x
Built Pre-1939
3.8%-71% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
13.8%-72% vs US avg
x
Mortgage-Free
44.8%+17% vs US avg
x
$166,400
Home Value
$711
Rent
1977
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached76.3%
  • 1-unit attached5.8%
  • 2-9 units3.6%
  • 10+ units6.6%
  • Mobile home & other7.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$166,400
Median rent$711
Owner-occupied87.4%
Vacant3.8%
Price-to-income2.1x
Est. income to buy$46,000