How much house can I afford on $70,000 in Michigan?
About $238,000 with 20% down ($192,000 with an FHA loan), using Michigan's 1.17% property tax rate.
That is $25,654 less than the typical Michigan home ($263,760), so on $70,000 you'd look at cheaper areas or a smaller home. The payment of $1,633 covers $1,281 principal and interest, $233 property tax and $119 insurance.
Counties in Michigan you can afford on $70,000
47 of 83 counties have a typical home value at or below $238,000. The 25 priciest of them:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Wexford County | $232,555 | +4.4% | 1.13% |
| Isabella County | $229,324 | +7.9% | 1.34% |
| Mecosta County | $229,044 | +7.5% | 0.99% |
| Keweenaw County | $225,166 | +15.1% | 0.99% |
| Kalkaska County | $225,055 | +0.2% | 0.87% |
| Missaukee County | $225,043 | +7.4% | 0.98% |
| Jackson County | $224,556 | +2.6% | 1.26% |
| Ingham County | $223,411 | +2.5% | 1.83% |
| Alger County | $219,882 | +7.8% | 0.94% |
| Saint Joseph County | $219,664 | +4.0% | 1.1% |
| Presque Isle County | $219,214 | +9.5% | 0.95% |
| Hillsdale County | $213,833 | +4.6% | 0.99% |
| Shiawassee County | $213,474 | +5.1% | 1.31% |
| Branch County | $206,792 | +4.6% | 1.16% |
| Delta County | $203,915 | +9.1% | 1.13% |
| Sanilac County | $201,517 | +3.2% | 0.9% |
| Huron County | $201,120 | +4.9% | 1.19% |
| Osceola County | $200,793 | +6.4% | 1.02% |
| Chippewa County | $196,951 | +6.8% | 1.26% |
| Houghton County | $196,480 | +7.6% | 1.16% |
| Schoolcraft County | $195,805 | +10.0% | 0.99% |
| Genesee County | $195,727 | +4.1% | 1.36% |
| Alcona County | $194,373 | +8.1% | 0.82% |
| Alpena County | $193,096 | +8.5% | 1.06% |
| Roscommon County | $191,859 | +0.3% | 1.01% |
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 $70,000 in Michigan?
About $238,000 with 20% down at 7.11%, keeping the payment (with Michigan's 1.17% property tax and insurance) under $1,633 a month.
Is $70,000 enough to buy a house in Michigan?
Not the typical home: the typical Michigan home is worth $263,760 (Zillow, September 2026) and $70,000 supports about $238,000. 47 of 83 counties are within budget.