Delta County, Michigan home prices
Typical home $203,915 · +9.1% in a year · property tax 1.13%
The typical home in Delta County is worth $203,915, 23% less than the Michigan typical home ($263,760). Values changed +9.1% in the past year and +42.5% over five years. Homeowners here pay a median 1.13% of their home's value in property tax each year ($2,299 on the typical home), versus 1.17% statewide.
Mortgage on the typical Delta County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $40,783 | $163,132 | $1,097 | $0 | $294 | $1,391 | $59,600 |
| 10% down | $20,391 | $183,523 | $1,235 | $76 | $294 | $1,605 | $68,800 |
| 5% down | $10,196 | $193,719 | $1,303 | $81 | $294 | $1,677 | $71,900 |
| 3.5% down (FHA) | $7,137 | $200,221 | $1,347 | $90 | $294 | $1,731 | $74,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.13% 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 Escanaba metro area.
Michigan counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Sanilac County | $201,517 | +3.2% | 0.9% |
| Huron County | $201,120 | +4.9% | 1.19% |
| Branch County | $206,792 | +4.6% | 1.16% |
| 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% |
| Shiawassee County | $213,474 | +5.1% | 1.31% |
Frequently asked questions
What is the average home price in Delta County, MI?
The typical home value in Delta County is $203,915 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Delta County?
About $59,600 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Delta County?
The median effective rate is 1.13% of home value a year (Census ACS 2024 5-year estimates).