US5.com
  1. Home
  2. States
  3. Michigan
  4. ZIP 49657
  5. Housing & Real Estate
McBain city, MI

ZIP 49657 — 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 49657

Median Home Value
$181,700
Median Rent
$611
Affordability Snapshot
$50,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,167/mo PITI).

10%
Rent-to-Income Ratio

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

2.6x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

24.8 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 49657 in McBain city, MI, a household would need roughly $50,000 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 $1,167. That sits below the local median household income ($69,896), 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

Vacancy rate 13% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
78.8%+21% vs US avg
x
Vacancy Rate
13.3%+29% vs US avg
x
Broadband Access
79.3%-9% vs US avg
x
4+ Bedrooms
8.9%-40% vs US avg
x
Built Pre-1939
5.7%-56% vs US avg
x
Built Post-2014
0.3%-96% vs US avg
x
Rent Burden >30%
18.8%-62% vs US avg
x
Mortgage-Free
48.3%+26% vs US avg
x
$181,700
Home Value
$611
Rent
1979
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 detached82.5%
  • 1-unit attached0.0%
  • 2-9 units3.6%
  • 10+ units4.8%
  • Mobile home & other9.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$181,700
Median rent$611
Owner-occupied78.8%
Vacant13.3%
Price-to-income2.6x
Est. income to buy$50,000