Battle Creek, MI home prices
Typical home $190,005 · +3.2% in a year · income needed $57,800
The Battle Creek, MI metro area ranks 680 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +3.2% in a year and +24.2% over five years. With 20% down at 7.11%, the typical home costs about $1,348 a month including 1.45% property tax (Calhoun County rate).
Mortgage on the typical Battle Creek home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $38,001 | $152,004 | $1,023 | $0 | $325 | $1,348 | $57,800 |
| 10% down | $19,001 | $171,005 | $1,150 | $71 | $325 | $1,547 | $66,300 |
| 5% down | $9,500 | $180,505 | $1,214 | $75 | $325 | $1,615 | $69,200 |
| 3.5% down (FHA) | $6,650 | $186,564 | $1,255 | $84 | $325 | $1,664 | $71,300 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.45% 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.
Counties in the Battle Creek area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Calhoun County, MI | $190,006 | +3.2% | 1.45% |
What can you afford in Michigan on your salary? · Michigan home prices · Salaries in Michigan
Frequently asked questions
How much is a house in Battle Creek?
The typical home in the Battle Creek, MI metro area is worth $190,005 (Zillow, September 2026).
What salary do you need to buy a house in Battle Creek?
About $57,800 a year for the typical home with 20% down at 7.11%.