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Whitmore Lake CDP, MI

ZIP 48189 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 48189

Median Home Value
$286,200
Median Rent
$1,129
Affordability Snapshot
$79,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,838/mo PITI).

16%
Rent-to-Income Ratio

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

3.5x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

21.1 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 48189 in Whitmore Lake CDP, MI, a household would need roughly $79,000 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 $1,838. That is roughly in line with the local median household income ($82,433). 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
79.4%+21% vs US avg
x
Vacancy Rate
3.3%-68% vs US avg
x
Broadband Access
94.1%+8% vs US avg
x
4+ Bedrooms
3.0%-80% vs US avg
x
Built Pre-1939
5.5%-57% vs US avg
x
Built Post-2014
0.7%-90% vs US avg
x
Rent Burden >30%
7.7%-85% vs US avg
x
Mortgage-Free
33.2%-13% vs US avg
x
$286,200
Home Value
$1,129
Rent
1985
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached71.2%
  • 1-unit attached2.7%
  • 2-9 units2.2%
  • 10+ units7.5%
  • Mobile home & other16.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$286,200
Median rent$1,129
Owner-occupied79.4%
Vacant3.3%
Price-to-income3.5x
Est. income to buy$79,000