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Kincheloe CDP, MI

ZIP 49788 — 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 49788

Median Home Value
$99,000
Median Rent
$561
Affordability Snapshot
$27,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$636/mo PITI).

13%
Rent-to-Income Ratio

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

1.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

14.7 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 49788 in Kincheloe CDP, MI, a household would need roughly $27,000 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 $636. That sits below the local median household income ($52,639), 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

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
47.9%-27% vs US avg
x
Vacancy Rate
4.8%-53% vs US avg
x
Broadband Access
97.5%+12% vs US avg
x
4+ Bedrooms
4.2%-72% vs US avg
x
Built Pre-1939
5.1%-60% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
21.1%-58% vs US avg
x
Mortgage-Free
33.0%-14% vs US avg
x
$99,000
Home Value
$561
Rent
1962
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached35.3%
  • 1-unit attached54.5%
  • 2-9 units6.9%
  • 10+ units0.9%
  • Mobile home & other2.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$99,000
Median rent$561
Owner-occupied47.9%
Vacant4.8%
Price-to-income1.9x
Est. income to buy$27,000