Livingston County, Michigan home prices
Typical home $402,827 · +2.8% in a year · property tax 0.97%
The typical home in Livingston County is worth $402,827, 53% more than the Michigan typical home ($263,760). Values changed +2.8% in the past year and +24.1% over five years. Homeowners here pay a median 0.97% of their home's value in property tax each year ($3,900 on the typical home), versus 1.17% statewide.
Mortgage on the typical Livingston County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $80,565 | $322,261 | $2,168 | $0 | $526 | $2,694 | $115,500 |
| 10% down | $40,283 | $362,544 | $2,439 | $151 | $526 | $3,116 | $133,600 |
| 5% down | $20,141 | $382,685 | $2,574 | $159 | $526 | $3,260 | $139,700 |
| 3.5% down (FHA) | $14,099 | $395,530 | $2,661 | $178 | $526 | $3,365 | $144,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.97% 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 Detroit metro area.
Michigan counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Benzie County | $406,697 | +6.8% | 0.79% |
| Ottawa County | $397,062 | +4.8% | 1.02% |
| Washtenaw County | $411,983 | +2.4% | 1.52% |
| Charlevoix County | $413,637 | +3.5% | 0.9% |
| Grand Traverse County | $417,443 | +2.6% | 0.89% |
| Emmet County | $437,678 | +8.5% | 0.83% |
| Oakland County | $365,826 | +2.3% | 1.27% |
| Kent County | $353,407 | +4.5% | 1.11% |
| Antrim County | $348,970 | +4.7% | 0.84% |
| Allegan County | $346,459 | +4.1% | 1.08% |
Frequently asked questions
What is the average home price in Livingston County, MI?
The typical home value in Livingston County is $402,827 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Livingston County?
About $115,500 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Livingston County?
The median effective rate is 0.97% of home value a year (Census ACS 2024 5-year estimates).