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Ruby CDP, MI

ZIP 48049 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 48049

Median Home Value
$226,000
Median Rent
$575
Affordability Snapshot
$62,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,452/mo PITI).

8%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

2.6x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

32.8 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 48049 in Ruby CDP, MI, a household would need roughly $62,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,452. That sits below the local median household income ($86,250), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
89.7%+37% vs US avg
x
Vacancy Rate
1.8%-82% vs US avg
x
Broadband Access
94.6%+9% vs US avg
x
4+ Bedrooms
1.7%-88% vs US avg
x
Built Pre-1939
3.5%-73% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
4.0%-92% vs US avg
x
Mortgage-Free
46.0%+20% vs US avg
x
$226,000
Home Value
$575
Rent
1978
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached93.7%
  • 1-unit attached0.7%
  • 2-9 units0.2%
  • 10+ units0.0%
  • Mobile home & other5.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$226,000
Median rent$575
Owner-occupied89.7%
Vacant1.8%
Price-to-income2.6x
Est. income to buy$62,000