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Pontiac city, MI

ZIP 48302 — Housing & Real Estate

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

Wealthy AreaLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 48302

Median Home Value
$624,200
Median Rent
$1,790
Affordability Snapshot
$172,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,010/mo PITI).

12%
Rent-to-Income Ratio

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

3.6x
Home Price-to-Income Ratio

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

29.1 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 48302 in Pontiac city, MI, a household would need roughly $172,000 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 $4,010. That is roughly in line with the local median household income ($175,698). 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
87.0%+33% vs US avg
x
Vacancy Rate
3.9%-63% vs US avg
x
Broadband Access
96.0%+10% vs US avg
x
4+ Bedrooms
15.1%+2% vs US avg
x
Built Pre-1939
1.2%-91% vs US avg
x
Built Post-2014
2.4%-65% vs US avg
x
Rent Burden >30%
7.9%-84% vs US avg
x
Mortgage-Free
38.7%+1% vs US avg
x
$624,200
Home Value
$1,790
Rent
1972
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached80.8%
  • 1-unit attached5.8%
  • 2-9 units6.0%
  • 10+ units7.4%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$624,200
Median rent$1,790
Owner-occupied87.0%
Vacant3.9%
Price-to-income3.6x
Est. income to buy$172,000