Kalkaska County, Michigan home prices
Typical home $225,055 · +0.2% in a year · property tax 0.87%
The typical home in Kalkaska County is worth $225,055, 15% less than the Michigan typical home ($263,760). Values changed +0.2% in the past year and +15.4% over five years. Homeowners here pay a median 0.87% of their home's value in property tax each year ($1,961 on the typical home), versus 1.17% statewide.
Mortgage on the typical Kalkaska County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $45,011 | $180,044 | $1,211 | $0 | $276 | $1,487 | $63,700 |
| 10% down | $22,506 | $202,550 | $1,363 | $84 | $276 | $1,723 | $73,800 |
| 5% down | $11,253 | $213,802 | $1,438 | $89 | $276 | $1,803 | $77,300 |
| 3.5% down (FHA) | $7,877 | $220,979 | $1,487 | $100 | $276 | $1,862 | $79,800 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.87% 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 Traverse City metro area.
Michigan counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Missaukee County | $225,043 | +7.4% | 0.98% |
| Keweenaw County | $225,166 | +15.1% | 0.99% |
| Jackson County | $224,556 | +2.6% | 1.26% |
| Ingham County | $223,411 | +2.5% | 1.83% |
| Mecosta County | $229,044 | +7.5% | 0.99% |
| Isabella County | $229,324 | +7.9% | 1.34% |
| 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% |
| Wexford County | $232,555 | +4.4% | 1.13% |
Frequently asked questions
What is the average home price in Kalkaska County, MI?
The typical home value in Kalkaska County is $225,055 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Kalkaska County?
About $63,700 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Kalkaska County?
The median effective rate is 0.87% of home value a year (Census ACS 2024 5-year estimates).