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Onekama village, MI

ZIP 49675 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 49675

Median Home Value
$272,300
Median Rent
$525
Affordability Snapshot
$75,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,749/mo PITI).

9%
Rent-to-Income Ratio

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

4.0x
Home Price-to-Income Ratio

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

43.2 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 49675 in Onekama village, MI, a household would need roughly $75,000 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 $1,749. That is roughly in line with the local median household income ($68,750). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 49% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
85.6%+31% vs US avg
x
Vacancy Rate
49.2%+377% vs US avg
x
Broadband Access
92.5%+6% vs US avg
x
4+ Bedrooms
4.2%-72% vs US avg
x
Built Pre-1939
10.2%-20% vs US avg
x
Built Post-2014
5.8%-15% vs US avg
x
Rent Burden >30%
3.1%-94% vs US avg
x
Mortgage-Free
47.8%+25% vs US avg
x
$272,300
Home Value
$525
Rent
1972
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached97.0%
  • 1-unit attached0.0%
  • 2-9 units1.7%
  • 10+ units1.1%
  • Mobile home & other0.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$272,300
Median rent$525
Owner-occupied85.6%
Vacant49.2%
Price-to-income4.0x
Est. income to buy$75,000