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Gwinn CDP, MI

ZIP 49841 — 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 49841

Median Home Value
$150,000
Median Rent
$526
Affordability Snapshot
$41,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$964/mo PITI).

10%
Rent-to-Income Ratio

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

2.4x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

23.8 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 49841 in Gwinn CDP, MI, a household would need roughly $41,000 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 $964. That sits below the local median household income ($61,337), 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 24% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
71.1%+9% vs US avg
x
Vacancy Rate
23.8%+131% vs US avg
x
Broadband Access
83.1%-5% vs US avg
x
4+ Bedrooms
2.6%-82% vs US avg
x
Built Pre-1939
3.8%-70% vs US avg
x
Built Post-2014
0.3%-96% vs US avg
x
Rent Burden >30%
10.7%-78% vs US avg
x
Mortgage-Free
47.5%+24% vs US avg
x
$150,000
Home Value
$526
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 detached60.7%
  • 1-unit attached8.2%
  • 2-9 units20.8%
  • 10+ units1.5%
  • Mobile home & other8.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$150,000
Median rent$526
Owner-occupied71.1%
Vacant23.8%
Price-to-income2.4x
Est. income to buy$41,000