Easiest ZIP codes to buy in Michigan
Top 25 easiest ZIP codes to buy into in Michigan by price-to-income ratio. #1 is 48505 (Flint) at about 0.9x. Compare buy-in affordability on US5.
These ZIP codes have the lowest median home price-to-income ratios in Michigan — a practical “buy-in difficulty” signal that combines local home values with local earnings.
Lowest ratios on this board: 48505 (Flint) at about 0.9x; 48217 (Detroit) at about 1.0x; 48607 (Saginaw) at about 1.1x.
Open a ZIP page for an illustrative “estimated income to buy” figure based on a transparent mortgage model (down payment, rate, taxes, and insurance assumptions).
Open any ZIP for a full demographics, income, and housing profile, or return to the Michigan state page for the complete ZIP table.
Ranked ZIP codes
| # | ZIP | City | County | Price-to-income | Population | Income | Home value |
|---|---|---|---|---|---|---|---|
| 1 | 48505 | Flint | Genesee County | 0.9x | 18,108 | $31,477 | $28,300 |
| 2 | 48217 | Detroit | Wayne County | 1.0x | 6,437 | $46,671 | $45,100 |
| 3 | 48607 | Saginaw | Saginaw County | 1.1x | 1,523 | $39,211 | $44,500 |
| 4 | 48229 | Ecorse | Wayne County | 1.3x | 9,166 | $45,148 | $59,300 |
| 5 | 48504 | Flint | Genesee County | 1.3x | 23,873 | $36,740 | $48,500 |
| 6 | 48205 | Detroit | Wayne County | 1.4x | 32,466 | $40,612 | $55,700 |
| 7 | 48601 | Saginaw | Saginaw County | 1.5x | 32,069 | $37,830 | $54,900 |
| 8 | 48602 | Saginaw | Saginaw County | 1.5x | 27,490 | $46,068 | $70,200 |
| 9 | 49968 | Wakefield | Gogebic County | 1.5x | 2,305 | $51,607 | $79,000 |
| 10 | 48747 | — | Bay County | 1.5x | 1,488 | $78,750 | $121,300 |
| 11 | 48213 | Detroit | Wayne County | 1.5x | 19,869 | $33,755 | $52,100 |
| 12 | 48210 | Detroit | Wayne County | 1.5x | 26,925 | $38,900 | $60,100 |
| 13 | 48234 | Detroit | Wayne County | 1.6x | 32,406 | $36,473 | $57,100 |
| 14 | 48701 | Akron | Tuscola County | 1.6x | 1,364 | $61,976 | $98,000 |
| 15 | 48857 | Morrice | Shiawassee County | 1.6x | 3,488 | $81,319 | $130,300 |
| 16 | 48204 | Detroit | Wayne County | 1.6x | 19,723 | $32,875 | $53,600 |
| 17 | 48767 | Unionville | Tuscola County | 1.7x | 2,041 | $74,469 | $126,600 |
| 18 | 49459 | Walkerville | Oceana County | 1.7x | 1,551 | $57,773 | $98,300 |
| 19 | 48766 | Twining | Arenac County | 1.7x | 1,372 | $55,156 | $94,200 |
| 20 | 48435 | Fostoria | Tuscola County | 1.7x | 2,592 | $83,142 | $142,200 |
| 21 | 48218 | River Rouge | Wayne County | 1.7x | 7,096 | $32,683 | $56,100 |
| 22 | 49879 | Republic | Marquette County | 1.7x | 1,105 | $52,188 | $89,800 |
| 23 | 48604 | Zilwaukee | Saginaw County | 1.7x | 11,284 | $53,804 | $93,200 |
| 24 | 48228 | Detroit | Wayne County | 1.8x | 52,719 | $31,485 | $55,100 |
| 25 | 48615 | Breckenridge | Gratiot County | 1.8x | 2,812 | $72,656 | $129,100 |
Frequently asked questions
Which ZIP codes in Michigan are easiest to buy into?
By median home price-to-income ratio, 48505 (Flint) ranks near the top at about 0.9x. Lower ratios generally mean local incomes go further against local home prices.
How does US5 rank ZIP codes in Michigan?
We rank indexable ZIP codes with both income and home-value data by lowest median home price-to-income ratio (with a population floor).
Where can I explore all ZIP codes in Michigan?
Visit the Michigan state page for the full ZIP table, demographics summary, and sortable income/housing columns.