The most affordable cities to buy a house in Michigan (2026)

Every Michigan city over 10,000 residents, ranked by the gross household income it takes to buy the typical home: 20% down at 6.66% (30-yr fixed), including Michigan property tax and insurance. Data through 2026-06.

  1. Flint — typical home $67K, income to buy about $19,000/yr
  2. Detroit — typical home $77K, income to buy about $23,000/yr
  3. Inkster — typical home $112K, income to buy about $33,000/yr
  4. Bay City — typical home $127K, income to buy about $37,000/yr
  5. Saginaw — typical home $136K, income to buy about $40,000/yr
  6. Pontiac — typical home $143K, income to buy about $42,000/yr
  7. Melvindale — typical home $144K, income to buy about $42,000/yr
  8. Eastpointe — typical home $156K, income to buy about $46,000/yr
  9. Lincoln Park — typical home $156K, income to buy about $46,000/yr
  10. Harper Woods — typical home $160K, income to buy about $47,000/yr
  11. Burton — typical home $160K, income to buy about $47,000/yr
  12. Hazel Park — typical home $162K, income to buy about $47,000/yr
  13. Lansing — typical home $171K, income to buy about $50,000/yr
  14. Hamtramck — typical home $172K, income to buy about $50,000/yr
  15. Roseville — typical home $176K, income to buy about $51,000/yr
  16. Port Huron — typical home $177K, income to buy about $52,000/yr
  17. Wayne — typical home $178K, income to buy about $52,000/yr
  18. Mount Clemens — typical home $180K, income to buy about $53,000/yr
  19. Taylor — typical home $182K, income to buy about $53,000/yr
  20. Battle Creek — typical home $185K, income to buy about $54,000/yr
  21. Escanaba — typical home $185K, income to buy about $54,000/yr
  22. Owosso — typical home $190K, income to buy about $56,000/yr
  23. Muskegon — typical home $193K, income to buy about $56,000/yr
  24. Wyandotte — typical home $193K, income to buy about $57,000/yr
  25. Adrian — typical home $193K, income to buy about $57,000/yr

At the other end, Michigan's priciest markets: Birmingham ($222,000/yr), East Grand Rapids ($205,000/yr), Beverly Hills ($179,000/yr), Ann Arbor ($158,000/yr), Grosse Pointe Park ($154,000/yr).

"Income to buy" holds the typical home's payment inside the 28% lender guideline. Your own verdict depends on savings and debts — open any city and run your numbers, or see the whole country on the affordability map.

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