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Chums Corner CDP, MI

ZIP 49685 — Housing & Real Estate

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

Middle Class

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 49685

Median Home Value
$309,200
Median Rent
$1,246
Affordability Snapshot
$85,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,986/mo PITI).

18%
Rent-to-Income Ratio

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

3.7x
Home Price-to-Income Ratio

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

20.7 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 49685 in Chums Corner CDP, MI, a household would need roughly $85,000 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 $1,986. That is roughly in line with the local median household income ($82,639). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
80.0%+22% vs US avg
x
Vacancy Rate
11.0%+7% vs US avg
x
Broadband Access
93.4%+7% vs US avg
x
4+ Bedrooms
5.8%-61% vs US avg
x
Built Pre-1939
1.6%-87% vs US avg
x
Built Post-2014
1.8%-74% vs US avg
x
Rent Burden >30%
25.5%-49% vs US avg
x
Mortgage-Free
32.6%-15% vs US avg
x
$309,200
Home Value
$1,246
Rent
1994
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 detached74.4%
  • 1-unit attached4.7%
  • 2-9 units5.6%
  • 10+ units6.6%
  • Mobile home & other8.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$309,200
Median rent$1,246
Owner-occupied80.0%
Vacant11.0%
Price-to-income3.7x
Est. income to buy$85,000