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Hubbard Lake CDP, MI

ZIP 49747 — 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 49747

Median Home Value
$170,200
Median Rent
$703
Affordability Snapshot
$47,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,093/mo PITI).

12%
Rent-to-Income Ratio

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

2.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

20.2 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 49747 in Hubbard Lake CDP, MI, a household would need roughly $47,000 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 $1,093. That sits below the local median household income ($67,639), 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 46% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
95.7%+46% vs US avg
x
Vacancy Rate
46.3%+349% vs US avg
x
Broadband Access
88.2%+1% vs US avg
x
4+ Bedrooms
1.9%-87% vs US avg
x
Built Pre-1939
5.2%-59% vs US avg
x
Built Post-2014
0.5%-92% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
54.8%+43% vs US avg
x
$170,200
Home Value
$703
Rent
1971
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 detached89.3%
  • 1-unit attached2.6%
  • 2-9 units0.2%
  • 10+ units0.2%
  • Mobile home & other7.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$170,200
Median rent$703
Owner-occupied95.7%
Vacant46.3%
Price-to-income2.5x
Est. income to buy$47,000