Mason County, Michigan home prices
Typical home $267,052 · +8.1% in a year · property tax 1.06%
The typical home in Mason County is worth $267,052, about the same as the Michigan typical home ($263,760). Values changed +8.1% in the past year and +15.6% over five years. Homeowners here pay a median 1.06% of their home's value in property tax each year ($2,838 on the typical home), versus 1.17% statewide.
Mortgage on the typical Mason County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $53,410 | $213,642 | $1,437 | $0 | $370 | $1,807 | $77,500 |
| 10% down | $26,705 | $240,347 | $1,617 | $100 | $370 | $2,087 | $89,400 |
| 5% down | $13,353 | $253,699 | $1,707 | $106 | $370 | $2,182 | $93,500 |
| 3.5% down (FHA) | $9,347 | $262,215 | $1,764 | $118 | $370 | $2,252 | $96,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.06% 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 Ludington metro area.
Michigan counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Macomb County | $267,474 | +1.2% | 1.4% |
| Cass County | $266,388 | +5.0% | 0.97% |
| Ionia County | $264,748 | +6.3% | 1.13% |
| Monroe County | $270,412 | +6.1% | 1.16% |
| Marquette County | $262,677 | +8.8% | 0.97% |
| Van Buren County | $272,490 | +4.3% | 1.23% |
| Manistee County | $260,685 | +10.0% | 1.04% |
| Kalamazoo County | $273,812 | +4.2% | 1.45% |
| Saint Clair County | $259,356 | +4.2% | 1.14% |
| Eaton County | $259,014 | +3.5% | 1.41% |
Frequently asked questions
What is the average home price in Mason County, MI?
The typical home value in Mason County is $267,052 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Mason County?
About $77,500 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Mason County?
The median effective rate is 1.06% of home value a year (Census ACS 2024 5-year estimates).