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City · 5,960 residents · Ionia County, Michigan

Belding , Michigan

In Belding, a typical home is worth $163,800 and typical rent is $668 a month. Compared with all of Ionia County, typical rent is 24% lower, typical household income is 20% lower, and the share of households that own their home is 6 points lower.

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  • Typical home value

    $163,800

    17% below the county

    29% below Michigan

    • Belding
    • Ionia
    • Michigan

  • Typical rent

    $668a month

    24% below the county

    41% below Michigan

    • Belding
    • Ionia
    • Michigan

  • Typical household income

    $60,373a year

    20% below the county

    17% below Michigan

    • Belding
    • Ionia
    • Michigan

  • Households that own their home

    72%

    6 points below the county

    1 points below Michigan

    • Belding
    • Ionia
    • Michigan

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$271,757
7.1% more than 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

Belding is in Ionia County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Ionia County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Belding apart

What this place has that others do not, from public data, most unusual first.

  1. Belding has the 3rd lowest typical rent of the 175 cities in Michigan with more than 5,000 people ($668).

  2. According to Zillow, in the 12 months to September 2026 the typical home value in Belding rose 7.1%; in Michigan, it rose 3.8%.

  3. The typical household income in Belding is $60,373, 20% less than in Ionia County as a whole ($75,611).

  4. The typical home in Belding is worth $163,800, 17% less than in Ionia County as a whole ($198,500).

  5. 72% of households in Belding own their home, against 77% in Ionia County.

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Belding

What homes there are in Belding, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

As in Ionia County, most homes in Belding are detached houses (73%).

Year built

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

At least 97% of owner-occupied homes in Belding are worth less than $500,000, below the FHA loan limit for Ionia County ($541,287).

Monthly rent with utilities

With a mortgage

$1,185 a month

Ionia County: $1,383 a month

Without a mortgage

$475 a month

Ionia County: $549 a month

Owners with a mortgage

60%

Ionia County: 60%

The typical cost for an owner with a mortgage in Belding is $1,185 a month, less than in Ionia County ($1,383); without one, $475.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The typical home value in Belding rose 76% since 2015–2019, more than in Ionia County (51%).

Rent in Belding moved so little since 2015–2019 that the Census cannot say whether it rose or fell.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureBeldingIonia CountyMichiganUnited States
Rental vacancy Unreliable estimate3.8%5.1%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.8%0.9%
More than one person per room Unreliable estimate1.2%1.6%3.4%
People per household 2.712.712.422.53
Drive alone 81%79%74%69%
Carpool 15%9%8%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home Unreliable estimate9%14%15%
Other means Unreliable estimate0%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

By size, households in Belding look like those in Ionia County: 2.71 people on average.

In Belding, 15% of workers share a car to get to work; in Ionia County, 9%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Belding?

A typical home is within reach of the typical income

We start with a typical home in Belding, worth $163,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 28% of the typical household income in Belding, which is $60,373 a year.

The calculator's FHA and conventional loan limits are those of all of Ionia County.

Your numbers

Local data
$

Starts at the typical home value in Belding. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $5,733 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,395

at 7.18% · 30 years

Loan amount
$160,833
Total interest
$231,401
Paid off in
November 2056

Includes $2,766 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,409 a month

    Your payment · 28%

  • Tight

    $1,409 to $1,811 a month

  • Hard

    more than $1,811 a month

Compared with the typical household income in Belding ($60,373 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,395
Principal & interest$1,090
Property tax$165
Home insurance$68
FHA mortgage insurance (MIP)$72

You need at least $5,733 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Belding and Ionia County

Belding is in Ionia County, Michigan. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Belding's own numbers

Typical home value
$163,800
Typical monthly rent
$668
Typical yearly household income
$60,373
Households that own their home
72%
Effective property tax rate
1.21%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Ionia County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,238
Price change over 5 years (FHFA)
+56%
Homes in a high flood-risk zone
2%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Ionia County.

Everything about Ionia County

Buying

Buying a home in Belding

A typical home in Belding is worth $163,800: 17% below the county and 29% below Michigan. With the typical household income in Belding ($60,373 a year), a typical home costs 2.7 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Belding 2.7 years
  • Ionia 2.6 years
  • Michigan 3.2 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Ionia County

According to FHFA’s house price index, home prices in Ionia County rose 114% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Ionia County.

Period County Michigan U.S.
Last year (2025) +3.9% +4.7% +2.9%
5 years (2020–2025) +56% +52% +47%
10 years (2015–2025) +114% +97% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Belding next to Ionia County, Michigan and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Belding $163,800
  • Ionia $198,500
  • Michigan $231,600
  • United States $332,700
Typical monthly rent
  • Belding $668
  • Ionia $884
  • Michigan $1,129
  • United States $1,413
Typical yearly household income
  • Belding $60,373
  • Ionia $75,611
  • Michigan $72,875
  • United States $80,734
See the full table
Belding next to Ionia County and Michigan
Measure Belding Ionia County Michigan U.S.
Typical home value $163,800 $198,500 $231,600 $332,700
Typical monthly rent $668 $884 $1,129 $1,413
Typical yearly household income $60,373 $75,611 $72,875 $80,734
Households that own their home 72% 77% 73% 65%
Typical yearly property tax $1,990 $2,237 $2,904 $3,119
Effective property tax rate 1.21% 1.13% 1.25% 0.94%
Renters with high rent for their income 55% 49% 50% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Ionia County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Belding

For a typical $163,800 home in Belding, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Belding's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,395a month

    Least cash to close
    Down payment
    $5,733
    Cash to close
    $10,647
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $72

  • Conventional, 5% down $1,365a month

    Down payment
    $8,190
    Cash to close
    $13,104
    Rate
    7.18%
    Mortgage insurance
    PMI · $78

  • Conventional, 20% down, no PMI $1,121a month

    Down payment
    $32,760
    Cash to close
    $37,674
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,273a month

    Down payment
    $24,570
    Cash to close
    $29,484
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Belding and for Ionia County.

Property tax

Effective rate in Belding

1.21%of the home’s value each year

$1,990 a year for the typical owner in Belding.

  • Belding 1.21%
  • Ionia 1.13%
  • Michigan 1.25%

What Michigan publishes Principal Residence Exemption (PRE) from school operating tax (Michigan Legislature (Michigan Compiled Laws))

Exemptions and deadlines in Michigan

Flood risk in Ionia County

FEMA does not publish these numbers by city: they are for all of Ionia County.

Homes in the high-risk zone
2%
567
Of those, with NFIP insurance
13%
County Michigan U.S.
Homes in the high-risk zone 2% 1.6% 3.5%
Of those, with NFIP insurance 13% 18% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Belding

Typical rent in Belding is $668 a month: 24% below the county. In Belding, 55% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Ionia County, by unit size. To pay the 2-bedroom one ($1,238 a month) without spending more than 30% of your income, you would need to earn $23.81 an hour working full time.

HUD fair market rent for all of Ionia County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $862 $16.58 $34,480
1 bedroom $946 $18.19 $37,840
2 bedrooms $1,238 $23.81 $49,520
3 bedrooms $1,579 $30.37 $63,160
4 bedrooms $1,930 $37.12 $77,200

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Belding

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Belding is in ZIP code 48809.

For 2 bedrooms it is $1,380: $142 more than the fair market rent for Ionia County ($1,238).

  • 48809 $1,380$1,790

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Belding when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Belding

HUD lists 8 buildings with rents for lower incomes in Belding. These are the largest.

  • The Havens 41 Belhaven St, Belding 48809 110 low-income homes · For families (616) 794-1740
  • Brentwood II 1200 Brentwood St, Belding 48809 48 low-income homes · For families (616) 794-1050
  • Brentwood II Apts 1207 Brentwood St, Belding 48809 48 low-income homes · 1 bd: 12 · 2 bd: 36 · In service since 2003 · For families
  • Brentwood Apts 1129 Brentwood St, Belding 48809 50 homes, 45 low-income · For families (616) 794-0470
  • Jacklyn Apts III 1250 Kenwood Ave, Belding 48809 44 low-income homes · 1 bd: 16 · 2 bd: 28 · In service since 1998

See all 25 buildings in Ionia County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Belding

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There is 1 HUD-approved agency with an office in Ionia County; none says it serves in Spanish.

A pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Belding

No down payment, repair or rent-help program on our list is for Belding or Ionia County. The ones below are statewide in Michigan: they work in Belding the same as in the rest of the state.

Which programs do I qualify for? All programs in Michigan

  • MI 10K DPA Loan

    Statewide in Michigan

    Michigan state agency loan of up to $10,000, with no interest and no monthly payments, for the down payment, closing costs and prepaid expenses; it goes with MSHDA's MI Home Loan mortgage and is repaid in certain cases, such as when you pay off the first mortgage, sell or refinance the home, or no longer live in it. Offered by Michigan State Housing Development Authority (MSHDA).

    Deferred

    See the program Official page

  • Mortgage Credit Certificate (MCC)

    Statewide in Michigan

    Michigan state authority certificate that lets you take 20% of the interest you pay each year on your mortgage off your federal taxes, for the life of the loan; you apply with an approved lender before you buy. Offered by Michigan State Housing Development Authority (MSHDA).

    Tax credit

    See the program Official page

Housing counselors near Belding

The HUD-approved agencies closest to the center of Belding, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Michigan State University Extension - Ionia

    50 E Sprague Rd, Ionia · 13 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (517) 887-4575

  • Telamon Corporation - Holland Branch

    3033 Orchard Vista Dr SE Ste 300, Grand Rapids · 20 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 8 more
    (984) 365-6571

  • Michigan State University Extension- Grand Rapids Kent County

    775 Ball Ave., N.E., Grand Rapids · 22 miles away

    • Budget and credit workshops
    • Homebuyer education workshops
    (616) 632-7874

Every agency in Ionia County All counseling agencies in Michigan

Help in Spanish near Belding

None of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Belding

HUD’s record names them for Belding or Ionia County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

2 other authorities have an office in Ionia County: see the list Source: HUD

Cities

Other cities in Ionia County

These cities are also in Ionia County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Ionia County Housing in Michigan

Nearby cities

The cities closest to Belding, with the typical home value.

Neighboring counties

If Ionia County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Belding.

All guides
Three women of one family lean in together to stir the pan.

Questions

Housing questions about Belding

Short answers with the numbers for Belding and all of Ionia County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Belding?

The typical home value in Belding is $163,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Ionia County it is $198,500.

How much does it cost to rent in Belding?

Typical rent in Belding is $668 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Ionia County is $1,238.

What is the FHA loan limit in Belding?

Belding uses the FHA limit for all of Ionia County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Belding?

The typical homeowner in Belding pays $1,990 a year, according to the U.S. Census Bureau. That is 1.21% of the home’s value; in Ionia County, the rate is 1.13%.

Where can I find free help to buy or rent in Belding?

There is 1 HUD-approved counseling agency with an office in Ionia County. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).