The calculator below is pre-filled with Oakland County's own property tax rate and insurance average (expand "More options" to see or edit them) — not just Michigan's statewide figures.
County data last updated 2026-08-28. FIPS 26125. Full source list on /methodology.
All-in cost first, always — pre-filled with Oakland County tax and insurance figures. Estimate only, not a loan quote or pre-approval.
Not your state? Find your calculator here.
Tell us your income and savings instead, and we'll work out the max home price and a qualification signal for Michigan.
How much house can I afford in Michigan? →Fewer listings, fewer buyers, and sellers who have a reason to be on the market in December. Here is what a winter discount is actually worth on a $400,000 house — in monthly payment, in lifetime interest, and in the seller concessions a quiet market makes possible — and the three ways a winter purchase goes wrong.
Michigan stacks a state and a county transfer tax, but the seller customarily pays all $2,579 of it. Here's what a buyer really owes on a $299,900 Michigan home.
The operational guide to buying property with a partner, friend, sibling, or parent — credit and DTI mechanics, title vesting, a clause-by-clause co-ownership agreement, and how the exit actually works.
A month-by-month plan for the year before you buy: what to do in each phase, what never to touch, how to document every dollar, and how to survive closing day.
Michigan State Housing Development Authority's primary 30-year fixed-rate mortgage at below-market interest rates for first-time homebuyers statewide (first-time requirement waived in targeted areas); can be paired with MSHDA down payment assistance.
0%-interest, no-monthly-payment second mortgage providing up to $10,000 in down payment assistance statewide, repaid when the first mortgage is paid off, refinanced, or the home is sold. Must be paired with an MI Home Loan first mortgage.