Berrien County, Michigan home prices
Typical home $281,193 · +7.0% in a year · property tax 1.08%
The typical home in Berrien County is worth $281,193, 7% more than the Michigan typical home ($263,760). Values changed +7.0% in the past year and +29.2% over five years. Homeowners here pay a median 1.08% of their home's value in property tax each year ($3,045 on the typical home), versus 1.17% statewide.
Mortgage on the typical Berrien County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $56,239 | $224,954 | $1,513 | $0 | $394 | $1,908 | $81,800 |
| 10% down | $28,119 | $253,074 | $1,702 | $105 | $394 | $2,202 | $94,400 |
| 5% down | $14,060 | $267,133 | $1,797 | $111 | $394 | $2,303 | $98,700 |
| 3.5% down (FHA) | $9,842 | $276,100 | $1,857 | $124 | $394 | $2,376 | $101,800 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.08% 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.
What it takes: see what you can afford by salary in Michigan · part of the Niles metro area.
Michigan counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| 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% |
| Lapeer County | $296,879 | +4.5% | 0.92% |
| Ionia County | $264,748 | +6.3% | 1.13% |
| Marquette County | $262,677 | +8.8% | 0.97% |
| Barry County | $301,131 | +5.0% | 1.05% |
Frequently asked questions
What is the average home price in Berrien County, MI?
The typical home value in Berrien County is $281,193 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Berrien County?
About $81,800 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Berrien County?
The median effective rate is 1.08% of home value a year (Census ACS 2024 5-year estimates).