How much house can I afford on $90,000 in Michigan?
About $306,000 with 20% down ($246,000 with an FHA loan), using Michigan's 1.17% property tax rate.
That is $42,376 more than the typical Michigan home ($263,760), so a $90,000 salary can buy a typical home here. The payment of $2,100 covers $1,648 principal and interest, $299 property tax and $153 insurance.
Counties in Michigan you can afford on $90,000
70 of 83 counties have a typical home value at or below $306,000. The 25 priciest of them:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| 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% |
| Eaton County | $259,014 | +3.5% | 1.41% |
| Otsego County | $257,304 | +4.0% | 0.8% |
| Muskegon County | $255,234 | +4.3% | 1.18% |
| Oceana County | $253,550 | +6.7% | 1.01% |
| Newaygo County | $253,533 | +8.7% | 1.1% |
| Cheboygan County | $253,004 | +4.8% | 0.89% |
| Midland County | $245,098 | +9.1% | 1.47% |
| Lenawee County | $242,871 | +5.6% | 1.27% |
| Mackinac County | $242,475 | +7.9% | 1.07% |
| Montcalm County | $241,951 | +6.8% | 1.01% |
| Wexford County | $232,555 | +4.4% | 1.13% |
| Isabella County | $229,324 | +7.9% | 1.34% |
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 $90,000 in Michigan?
About $306,000 with 20% down at 7.11%, keeping the payment (with Michigan's 1.17% property tax and insurance) under $2,100 a month.
Is $90,000 enough to buy a house in Michigan?
Yes: the typical Michigan home is worth $263,760 (Zillow, September 2026) and $90,000 supports about $306,000. 70 of 83 counties are within budget.