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St. Charles village, MI

ZIP 48655 — 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 48655

Median Home Value
$157,100
Median Rent
$479
Affordability Snapshot
$43,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,009/mo PITI).

9%
Rent-to-Income Ratio

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

2.4x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

27.3 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 48655 in St. Charles village, MI, a household would need roughly $43,000 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 $1,009. That sits below the local median household income ($64,615), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
87.5%+34% vs US avg
x
Vacancy Rate
5.5%-46% vs US avg
x
Broadband Access
84.6%-3% vs US avg
x
4+ Bedrooms
2.4%-84% vs US avg
x
Built Pre-1939
4.8%-62% vs US avg
x
Built Post-2014
0.7%-90% vs US avg
x
Rent Burden >30%
32.5%-35% vs US avg
x
Mortgage-Free
45.1%+18% vs US avg
x
$157,100
Home Value
$479
Rent
1970
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 detached89.7%
  • 1-unit attached0.2%
  • 2-9 units6.2%
  • 10+ units1.0%
  • Mobile home & other2.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$157,100
Median rent$479
Owner-occupied87.5%
Vacant5.5%
Price-to-income2.4x
Est. income to buy$43,000