Isabella County, Michigan home prices
Typical home $229,324 · +7.9% in a year · property tax 1.34%
The typical home in Isabella County is worth $229,324, 13% less than the Michigan typical home ($263,760). Values changed +7.9% in the past year and +20.2% over five years. Homeowners here pay a median 1.34% of their home's value in property tax each year ($3,063 on the typical home), versus 1.17% statewide.
Mortgage on the typical Isabella County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $45,865 | $183,459 | $1,234 | $0 | $370 | $1,604 | $68,700 |
| 10% down | $22,932 | $206,391 | $1,388 | $86 | $370 | $1,844 | $79,000 |
| 5% down | $11,466 | $217,858 | $1,466 | $91 | $370 | $1,926 | $82,600 |
| 3.5% down (FHA) | $8,026 | $225,170 | $1,515 | $101 | $370 | $1,986 | $85,100 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.34% 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 Mount Pleasant metro area.
Michigan counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Mecosta County | $229,044 | +7.5% | 0.99% |
| Wexford County | $232,555 | +4.4% | 1.13% |
| 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% |
Frequently asked questions
What is the average home price in Isabella County, MI?
The typical home value in Isabella County is $229,324 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Isabella County?
About $68,700 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Isabella County?
The median effective rate is 1.34% of home value a year (Census ACS 2024 5-year estimates).