How much house can I afford on $180,000 in Michigan?
About $612,000 with 20% down ($493,000 with an FHA loan), using Michigan's 1.17% property tax rate.
That is $348,512 more than the typical Michigan home ($263,760), so a $180,000 salary can buy a typical home here. The payment of $4,200 covers $3,295 principal and interest, $599 property tax and $306 insurance.
Counties in Michigan you can afford on $180,000
82 of 83 counties have a typical home value at or below $612,000. The 25 priciest of them:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Emmet County | $437,678 | +8.5% | 0.83% |
| Grand Traverse County | $417,443 | +2.6% | 0.89% |
| Charlevoix County | $413,637 | +3.5% | 0.9% |
| Washtenaw County | $411,983 | +2.4% | 1.52% |
| Benzie County | $406,697 | +6.8% | 0.79% |
| Livingston County | $402,827 | +2.8% | 0.97% |
| Ottawa County | $397,062 | +4.8% | 1.02% |
| Oakland County | $365,826 | +2.3% | 1.27% |
| Kent County | $353,407 | +4.5% | 1.11% |
| Antrim County | $348,970 | +4.7% | 0.84% |
| Allegan County | $346,459 | +4.1% | 1.08% |
| Clinton County | $314,333 | +4.3% | 1.23% |
| Barry County | $301,131 | +5.0% | 1.05% |
| Lapeer County | $296,879 | +4.5% | 0.92% |
| Berrien County | $281,193 | +7.0% | 1.08% |
| Kalamazoo County | $273,812 | +4.2% | 1.45% |
| Van Buren County | $272,490 | +4.3% | 1.23% |
| Monroe County | $270,412 | +6.1% | 1.16% |
| Macomb County | $267,474 | +1.2% | 1.4% |
| Mason County | $267,052 | +8.1% | 1.06% |
| Cass County | $266,388 | +5.0% | 0.97% |
| Ionia County | $264,748 | +6.3% | 1.13% |
| Marquette County | $262,677 | +8.8% | 0.97% |
| Manistee County | $260,685 | +10.0% | 1.04% |
| Saint Clair County | $259,356 | +4.2% | 1.14% |
Affordable metro areas
Assumes a 30-year fixed loan at 7.11%, property tax of 1.17% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Other salaries in Michigan
Frequently asked questions
How much house can I afford on $180,000 in Michigan?
About $612,000 with 20% down at 7.11%, keeping the payment (with Michigan's 1.17% property tax and insurance) under $4,200 a month.
Is $180,000 enough to buy a house in Michigan?
Yes: the typical Michigan home is worth $263,760 (Zillow, September 2026) and $180,000 supports about $612,000. 82 of 83 counties are within budget.