Housing decision brief
Ingham County, MI Housing Market
Ingham County screens as a higher purchase price, rent that needs comparison, a higher tax-rate signal market. Use the page as a decision brief, not just a price lookup, because local income, taxes, and data confidence change how affordable the county really is.
56th lowest home value out of 83 Michigan counties with data | 73rd lowest rent out of 83
Median home value
$187,500
Purchase-price signal from Census ACS.
Median rent
$1,058/mo
Gross rent, including utilities where reported.
Monthly owner cost
$1,161/mo
Owner costs before individual loan terms.
Decision snapshot
Read this county in four signals.
Buy screen
2.9x
Median home value divided by local household income.
Rent burden
31.0%
At or above the 30% burden threshold.
Rent vs own
$103/mo
Median rent screens below owner cost.
Data confidence
1 note
Crime coverage is partial, so safety comparisons need source context.
What Works
No signal
No strong positive housing signal was available in the current dataset.
What to Check
Tax rate needs attention
1.86% effective property-tax rate is 64% above Michigan county median
Crime data coverage
Crime data coverage is partial. Treat zero or low crime rates as incomplete until you check the source coverage.
Best Fit For
- Buyers comparing homes to local incomes
Poor Fit For
- Buyers focused only on purchase price and ignoring annual property tax
- Anyone treating reported crime rates as complete without source context
County vs State vs National
The county number only matters after you see the benchmark. These comparisons show where Ingham County is genuinely cheap, where it is average, and where the hidden cost may be.
| Metric | County | State | U.S. | Signal |
|---|---|---|---|---|
Median home value Lower usually helps affordability. | $187,500 | $167,600 | $281,900 | 12% pressure12% above Michigan county median |
Median gross rent Lower usually helps affordability. | $1,058 | $845 | $1,163 | 25% pressure25% above Michigan county median |
Monthly owner cost Lower usually helps affordability. | $1,161 | $868 | $1,672 | 34% pressure34% above Michigan county median |
Median household income | $64,354 | $61,868 | $74,755 | Near state median4% above Michigan county median |
Effective property-tax rate Lower usually helps affordability. | 1.86% | 1.13% | 1.02% | 64% pressure64% above Michigan county median |
Rent burden Lower usually helps affordability. | 31.00% | 28.00% | N/A | 11% pressure31.00% of renter income goes to rent. |
Income Fit
A low price only helps if local income can carry the monthly cost. This panel compares the county income base with rent and owner-cost thresholds.
Rent cushion
+$22,034
Median income minus rent threshold.
Owner cushion
+$14,597
Median income minus owner-cost threshold.
Affordability Advisory
This turns the raw housing numbers into income and buy-versus-rent screens.
Affordability verdict
Ingham County is affordable for renters, with a median gross rent of $1,058/month representing approximately 19.7% of median household income. The rent burden (GRAPI) stands at 31.0%.
Rent vs own
Renters in Ingham County pay $1,058/month on average, compared to $1,161/month for homeowners. This market favors renters by about 9%.
Income needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $42,320/year. For owner costs at the 28% rule, the required income is roughly $49,757/year. With a median household income of $64,354, most households can comfortably afford rent here. Notably, 31.0% of renter households in Ingham County are cost-burdened, spending more than 30% of income on housing.
Regional context
Compared to St. Clair County where rent averages $999/month, Ingham County is approximately 6% more expensive.
Better Counties to Compare
Similar counties are matched on home value, rent, income, and state context. This is more useful than a simple nearest-price list.
| County | Home Value | Rent | Why compare |
|---|---|---|---|
| Jackson County, MI | $182,900 | $958/mo | Same-state comparison near $182,900 home value and $958/mo rent. |
| Muskegon County, MI | $180,900 | $960/mo | Same-state comparison near $180,900 home value and $960/mo rent. |
| Lenawee County, MI | $181,100 | $965/mo | Same-state comparison near $181,100 home value and $965/mo rent. |
| Wayne County, MI | $170,200 | $1,087/mo | Same-state comparison near $170,200 home value and $1,087/mo rent. |
| Marquette County, MI | $202,000 | $923/mo | Same-state comparison near $202,000 home value and $923/mo rent. |
Data Confidence
- Crime coverage is partial, so safety comparisons need source context.
Next Checks
Housing Questions for Ingham County
Is Ingham County affordable for buying a home?
Is renting or owning cheaper in Ingham County?
How much income do you need for housing in Ingham County?
What should I double-check before moving to Ingham County?
Data: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.