US5.com
  1. Home
  2. States
  3. Michigan
  4. ZIP 49712
  5. Housing & Real Estate
Horton Bay CDP, MI

ZIP 49712 — 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 49712

Median Home Value
$252,400
Median Rent
$756
Affordability Snapshot
$69,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,621/mo PITI).

12%
Rent-to-Income Ratio

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

3.4x
Home Price-to-Income Ratio

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

27.8 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 49712 in Horton Bay 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 $1,621. That is roughly in line with the local median household income ($74,202). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 24% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
82.3%+26% vs US avg
x
Vacancy Rate
24.4%+137% vs US avg
x
Broadband Access
91.1%+5% vs US avg
x
4+ Bedrooms
4.5%-69% vs US avg
x
Built Pre-1939
4.9%-61% vs US avg
x
Built Post-2014
0.5%-92% vs US avg
x
Rent Burden >30%
9.3%-81% vs US avg
x
Mortgage-Free
40.6%+6% vs US avg
x
$252,400
Home Value
$756
Rent
1982
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 detached78.5%
  • 1-unit attached1.9%
  • 2-9 units8.8%
  • 10+ units3.4%
  • Mobile home & other7.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$252,400
Median rent$756
Owner-occupied82.3%
Vacant24.4%
Price-to-income3.4x
Est. income to buy$69,000