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Carney village, MI

ZIP 49812 — 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 49812

Median Home Value
$156,100
Median Rent
$645
Affordability Snapshot
$43,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,003/mo PITI).

13%
Rent-to-Income Ratio

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

2.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

20.2 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 49812 in Carney village, MI, a household would need roughly $43,000 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 $1,003. That sits below the local median household income ($58,281), 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 36% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
89.6%+37% vs US avg
x
Vacancy Rate
35.6%+245% vs US avg
x
Broadband Access
74.4%-15% vs US avg
x
4+ Bedrooms
4.5%-69% vs US avg
x
Built Pre-1939
6.0%-53% vs US avg
x
Built Post-2014
0.4%-95% vs US avg
x
Rent Burden >30%
24.3%-51% vs US avg
x
Mortgage-Free
54.7%+43% vs US avg
x
$156,100
Home Value
$645
Rent
1973
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

  • 1-unit detached91.5%
  • 1-unit attached1.1%
  • 2-9 units1.3%
  • 10+ units0.0%
  • Mobile home & other6.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$156,100
Median rent$645
Owner-occupied89.6%
Vacant35.6%
Price-to-income2.7x
Est. income to buy$43,000