Eaton County, Michigan home prices
Typical home $259,014 · +3.5% in a year · property tax 1.41%
The typical home in Eaton County is worth $259,014, about the same as the Michigan typical home ($263,760). Values changed +3.5% in the past year and +23.5% over five years. Homeowners here pay a median 1.41% of their home's value in property tax each year ($3,662 on the typical home), versus 1.17% statewide.
Mortgage on the typical Eaton County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $51,803 | $207,211 | $1,394 | $0 | $435 | $1,829 | $78,400 |
| 10% down | $25,901 | $233,113 | $1,568 | $97 | $435 | $2,100 | $90,000 |
| 5% down | $12,951 | $246,063 | $1,655 | $103 | $435 | $2,193 | $94,000 |
| 3.5% down (FHA) | $9,065 | $254,323 | $1,711 | $115 | $435 | $2,260 | $96,900 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.41% 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 Lansing metro area.
Michigan counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Saint Clair County | $259,356 | +4.2% | 1.14% |
| Manistee County | $260,685 | +10.0% | 1.04% |
| Otsego County | $257,304 | +4.0% | 0.8% |
| Marquette County | $262,677 | +8.8% | 0.97% |
| Muskegon County | $255,234 | +4.3% | 1.18% |
| Oceana County | $253,550 | +6.7% | 1.01% |
| Newaygo County | $253,533 | +8.7% | 1.1% |
| Ionia County | $264,748 | +6.3% | 1.13% |
| Cheboygan County | $253,004 | +4.8% | 0.89% |
| Cass County | $266,388 | +5.0% | 0.97% |
Frequently asked questions
What is the average home price in Eaton County, MI?
The typical home value in Eaton County is $259,014 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Eaton County?
About $78,400 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Eaton County?
The median effective rate is 1.41% of home value a year (Census ACS 2024 5-year estimates).