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, MI

ZIP 48631 — 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 48631

Median Home Value
$164,400
Median Rent
$600
Affordability Snapshot
$45,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,056/mo PITI).

9%
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.

22.8 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 48631 in MI, a household would need roughly $45,000 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 $1,056. That sits below the local median household income ($77,813), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
77.8%+19% vs US avg
x
Vacancy Rate
7.3%-30% vs US avg
x
Broadband Access
92.7%+7% vs US avg
x
4+ Bedrooms
3.5%-76% vs US avg
x
Built Pre-1939
5.0%-61% vs US avg
x
Built Post-2014
0.3%-96% vs US avg
x
Rent Burden >30%
13.3%-73% vs US avg
x
Mortgage-Free
48.5%+27% vs US avg
x
$164,400
Home Value
$600
Rent
1974
Year Built
2006
Moved In

Residents have lived here since ~2006 on average

Housing Structure

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

  • 1-unit detached85.7%
  • 1-unit attached0.9%
  • 2-9 units1.4%
  • 10+ units1.3%
  • Mobile home & other10.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$164,400
Median rent$600
Owner-occupied77.8%
Vacant7.3%
Price-to-income2.1x
Est. income to buy$45,000