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Muskegon city, MI

ZIP 49440 — 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 49440

Median Home Value
$163,100
Median Rent
$739
Affordability Snapshot
$45,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,048/mo PITI).

21%
Rent-to-Income Ratio

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

3.8x
Home Price-to-Income Ratio

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

18.4 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 49440 in Muskegon city, MI, a household would need roughly $45,000 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 $1,048. That is roughly in line with the local median household income ($42,500). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 19% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
27.9%-57% vs US avg
x
Vacancy Rate
19.3%+87% vs US avg
x
Broadband Access
76.5%-12% vs US avg
x
4+ Bedrooms
2.3%-84% vs US avg
x
Built Pre-1939
5.0%-61% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
6.6%-87% vs US avg
x
Mortgage-Free
58.8%+54% vs US avg
x
$163,100
Home Value
$739
Rent
1942
Year Built
2019
Moved In

Residents have lived here since ~2019 on average

Housing Structure

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

  • 1-unit detached24.9%
  • 1-unit attached2.0%
  • 2-9 units27.9%
  • 10+ units45.2%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$163,100
Median rent$739
Owner-occupied27.9%
Vacant19.3%
Price-to-income3.8x
Est. income to buy$45,000