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Gaines village, MI

ZIP 48436 — 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 48436

Median Home Value
$251,800
Median Rent
$887
Affordability Snapshot
$69,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,617/mo PITI).

12%
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.

23.7 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 48436 in Gaines village, MI, a household would need roughly $69,000 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 $1,617. That sits below the local median household income ($91,895), 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
92.3%+41% vs US avg
x
Vacancy Rate
4.7%-55% vs US avg
x
Broadband Access
88.4%+2% vs US avg
x
4+ Bedrooms
7.6%-49% vs US avg
x
Built Pre-1939
1.8%-86% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
6.2%-88% vs US avg
x
Mortgage-Free
25.0%-35% vs US avg
x
$251,800
Home Value
$887
Rent
1978
Year Built
2006
Moved In

Residents have lived here since ~2006 on average

Housing Structure

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

  • 1-unit detached95.8%
  • 1-unit attached1.0%
  • 2-9 units1.9%
  • 10+ units0.0%
  • Mobile home & other1.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$251,800
Median rent$887
Owner-occupied92.3%
Vacant4.7%
Price-to-income2.7x
Est. income to buy$69,000