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Hart city, MI

ZIP 49420 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 49420

Median Home Value
$153,300
Median Rent
$637
Affordability Snapshot
$42,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$985/mo PITI).

13%
Rent-to-Income Ratio

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

2.6x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

20.1 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 49420 in Hart city, MI, a household would need roughly $42,000 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 $985. That sits below the local median household income ($58,583), 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 16% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
80.9%+24% vs US avg
x
Vacancy Rate
16.3%+58% vs US avg
x
Broadband Access
79.4%-9% vs US avg
x
4+ Bedrooms
4.4%-70% vs US avg
x
Built Pre-1939
8.0%-38% vs US avg
x
Built Post-2014
0.3%-96% vs US avg
x
Rent Burden >30%
16.2%-67% vs US avg
x
Mortgage-Free
51.9%+36% vs US avg
x
$153,300
Home Value
$637
Rent
1970
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached74.7%
  • 1-unit attached0.7%
  • 2-9 units6.9%
  • 10+ units2.3%
  • Mobile home & other15.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$153,300
Median rent$637
Owner-occupied80.9%
Vacant16.3%
Price-to-income2.6x
Est. income to buy$42,000