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Pontiac city, MI

ZIP 48342 — Housing & Real Estate

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

Low Income AreaLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 48342

Median Home Value
$90,600
Median Rent
$661
Affordability Snapshot
$25,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$582/mo PITI).

24%
Rent-to-Income Ratio

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

2.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

11.4 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 48342 in Pontiac city, MI, a household would need roughly $25,000 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 $582. That sits below the local median household income ($33,750), 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

Vacancy rate 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
38.3%-42% vs US avg
x
Vacancy Rate
11.6%+13% vs US avg
x
Broadband Access
83.5%-4% vs US avg
x
4+ Bedrooms
1.1%-92% vs US avg
x
Built Pre-1939
9.0%-30% vs US avg
x
Built Post-2014
0.9%-87% vs US avg
x
Rent Burden >30%
25.6%-49% vs US avg
x
Mortgage-Free
46.6%+22% vs US avg
x
$90,600
Home Value
$661
Rent
1958
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached63.3%
  • 1-unit attached3.7%
  • 2-9 units14.9%
  • 10+ units17.1%
  • Mobile home & other1.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$90,600
Median rent$661
Owner-occupied38.3%
Vacant11.6%
Price-to-income2.7x
Est. income to buy$25,000