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, MI

ZIP 48865 — 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 48865

Median Home Value
$123,400
Median Rent
$584
Affordability Snapshot
$34,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$793/mo PITI).

10%
Rent-to-Income Ratio

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

1.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

17.6 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 48865 in MI, a household would need roughly $34,000 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 $793. That sits below the local median household income ($68,889), 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

Vacancy rate 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
75.4%+15% vs US avg
x
Vacancy Rate
12.0%+17% vs US avg
x
Broadband Access
83.9%-4% vs US avg
x
4+ Bedrooms
2.6%-83% vs US avg
x
Built Pre-1939
1.7%-87% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
59.6%+20% vs US avg
x
Mortgage-Free
57.5%+50% vs US avg
x
$123,400
Home Value
$584
Rent
1974
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached63.8%
  • 1-unit attached2.4%
  • 2-9 units2.1%
  • 10+ units0.0%
  • Mobile home & other31.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$123,400
Median rent$584
Owner-occupied75.4%
Vacant12.0%
Price-to-income1.8x
Est. income to buy$34,000