The most affordable cities to buy a house in Michigan (2026)

Every Michigan city over 10,000 residents, ranked by the gross household income it takes to buy the typical home: 20% down at 7.24% (30-yr fixed), including Michigan property tax and insurance. Data through 2026-09.

  1. Flint — typical home $64K, income to buy about $20,000/yr
  2. Detroit — typical home $75K, income to buy about $23,000/yr
  3. Inkster — typical home $106K, income to buy about $32,000/yr
  4. Bay City — typical home $126K, income to buy about $38,000/yr
  5. Saginaw — typical home $134K, income to buy about $41,000/yr
  6. Pontiac — typical home $135K, income to buy about $41,000/yr
  7. Melvindale — typical home $138K, income to buy about $42,000/yr
  8. Harper Woods — typical home $150K, income to buy about $46,000/yr
  9. Lincoln Park — typical home $151K, income to buy about $46,000/yr
  10. Eastpointe — typical home $152K, income to buy about $46,000/yr
  11. Hazel Park — typical home $154K, income to buy about $47,000/yr
  12. Burton — typical home $157K, income to buy about $48,000/yr
  13. Lansing — typical home $166K, income to buy about $51,000/yr
  14. Hamtramck — typical home $169K, income to buy about $52,000/yr
  15. Roseville — typical home $171K, income to buy about $52,000/yr
  16. Wayne — typical home $172K, income to buy about $53,000/yr
  17. Port Huron — typical home $174K, income to buy about $53,000/yr
  18. Mount Clemens — typical home $174K, income to buy about $53,000/yr
  19. Taylor — typical home $175K, income to buy about $54,000/yr
  20. Battle Creek — typical home $184K, income to buy about $56,000/yr
  21. Escanaba — typical home $185K, income to buy about $57,000/yr
  22. Wyandotte — typical home $188K, income to buy about $57,000/yr
  23. Adrian — typical home $189K, income to buy about $58,000/yr
  24. Owosso — typical home $190K, income to buy about $58,000/yr
  25. Jackson — typical home $190K, income to buy about $58,000/yr

At the other end, Michigan's priciest markets: Birmingham ($228,000/yr), East Grand Rapids ($206,000/yr), Beverly Hills ($184,000/yr), Ann Arbor ($158,000/yr), Grosse Pointe Park ($156,000/yr).

"Income to buy" holds the typical home's payment inside the 28% lender guideline. Your own verdict depends on savings and debts — open any city and run your numbers, or see the whole country on the affordability map.

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