Ottawa County, Michigan home prices
Typical home $397,062 · +4.8% in a year · property tax 1.02%
The typical home in Ottawa County is worth $397,062, 51% more than the Michigan typical home ($263,760). Values changed +4.8% in the past year and +29.7% over five years. Homeowners here pay a median 1.02% of their home's value in property tax each year ($4,068 on the typical home), versus 1.17% statewide.
Mortgage on the typical Ottawa County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $79,412 | $317,650 | $2,137 | $0 | $537 | $2,674 | $114,600 |
| 10% down | $39,706 | $357,356 | $2,404 | $149 | $537 | $3,090 | $132,400 |
| 5% down | $19,853 | $377,209 | $2,538 | $157 | $537 | $3,232 | $138,500 |
| 3.5% down (FHA) | $13,897 | $389,870 | $2,623 | $176 | $537 | $3,336 | $143,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.02% 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 Grand Rapids metro area.
Michigan counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Livingston County | $402,827 | +2.8% | 0.97% |
| Benzie County | $406,697 | +6.8% | 0.79% |
| 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% |
| Oakland County | $365,826 | +2.3% | 1.27% |
| Emmet County | $437,678 | +8.5% | 0.83% |
| 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 Ottawa County, MI?
The typical home value in Ottawa County is $397,062 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Ottawa County?
About $114,600 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Ottawa County?
The median effective rate is 1.02% of home value a year (Census ACS 2024 5-year estimates).