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Sparta village, MI

ZIP 49345 — 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 49345

Median Home Value
$261,400
Median Rent
$793
Affordability Snapshot
$72,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,679/mo PITI).

11%
Rent-to-Income Ratio

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

3.1x
Home Price-to-Income Ratio

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

27.5 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 49345 in Sparta village, MI, a household would need roughly $72,000 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 $1,679. That sits below the local median household income ($84,918), 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
84.6%+29% vs US avg
x
Vacancy Rate
3.2%-69% vs US avg
x
Broadband Access
90.0%+3% vs US avg
x
4+ Bedrooms
8.7%-42% vs US avg
x
Built Pre-1939
7.5%-42% vs US avg
x
Built Post-2014
0.9%-86% vs US avg
x
Rent Burden >30%
15.2%-69% vs US avg
x
Mortgage-Free
39.6%+4% vs US avg
x
$261,400
Home Value
$793
Rent
1984
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 detached81.3%
  • 1-unit attached3.5%
  • 2-9 units4.8%
  • 10+ units4.6%
  • Mobile home & other5.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$261,400
Median rent$793
Owner-occupied84.6%
Vacant3.2%
Price-to-income3.1x
Est. income to buy$72,000