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Hartford city, MI

ZIP 49057 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 49057

Median Home Value
$111,300
Median Rent
$559
Affordability Snapshot
$31,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$715/mo PITI).

12%
Rent-to-Income Ratio

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

2.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

16.6 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 49057 in Hartford city, MI, a household would need roughly $31,000 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 $715. That sits below the local median household income ($56,375), 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
77.9%+19% vs US avg
x
Vacancy Rate
8.6%-17% vs US avg
x
Broadband Access
89.4%+3% vs US avg
x
4+ Bedrooms
2.3%-84% vs US avg
x
Built Pre-1939
5.3%-59% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
13.7%-73% vs US avg
x
Mortgage-Free
41.0%+7% vs US avg
x
$111,300
Home Value
$559
Rent
1973
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 detached71.5%
  • 1-unit attached0.8%
  • 2-9 units3.8%
  • 10+ units8.5%
  • Mobile home & other15.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$111,300
Median rent$559
Owner-occupied77.9%
Vacant8.6%
Price-to-income2.0x
Est. income to buy$31,000