Sturgis, MI home prices
Typical home $219,689 · +4.0% in a year · income needed $64,000
The Sturgis, MI metro area ranks 573 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +4.0% in a year and +21.1% over five years. With 20% down at 7.11%, the typical home costs about $1,493 a month including 1.1% property tax (Saint Joseph County rate).
Mortgage on the typical Sturgis home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $43,938 | $175,752 | $1,182 | $0 | $311 | $1,493 | $64,000 |
| 10% down | $21,969 | $197,720 | $1,330 | $82 | $311 | $1,723 | $73,900 |
| 5% down | $10,984 | $208,705 | $1,404 | $87 | $311 | $1,802 | $77,200 |
| 3.5% down (FHA) | $7,689 | $215,710 | $1,451 | $97 | $311 | $1,859 | $79,700 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.1% 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 Sturgis area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Saint Joseph County, MI | $219,664 | +4.0% | 1.1% |
What can you afford in Michigan on your salary? · Michigan home prices · Salaries in Michigan
Frequently asked questions
How much is a house in Sturgis?
The typical home in the Sturgis, MI metro area is worth $219,689 (Zillow, September 2026).
What salary do you need to buy a house in Sturgis?
About $64,000 a year for the typical home with 20% down at 7.11%.