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City · 5,391 residents · Kalamazoo County, Michigan

Comstock Northwest , Michigan

In Comstock Northwest, a typical home is worth $261,100 and typical rent is $1,080 a month. Compared with all of Kalamazoo County, the typical home value is 8% higher and the share of households that own their home is 18 points lower.

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  • Typical home value

    $261,100

    8% above the county

    13% above Michigan

    • Comstock Northwest
    • Kalamazoo
    • Michigan

  • Typical rent

    $1,080a month

    About the same as the county

    4% below Michigan

    • Comstock Northwest
    • Kalamazoo
    • Michigan

  • Typical household income

    $73,475a year

    About the same as the county

    About the same as Michigan

    • Comstock Northwest
    • Kalamazoo
    • Michigan

  • Households that own their home

    47%

    18 points below the county

    27 points below Michigan

    • Comstock Northwest
    • Kalamazoo
    • Michigan

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

Market now, with Zillow data

Zillow data
Typical home value
$262,739
1% more than 12 months ago
Typical rent
$1,851 a month

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

Comstock Northwest is in Kalamazoo 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 Kalamazoo County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Comstock Northwest apart

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

  1. Nearby, in Springfield, the typical home value is $110,800: 58% less than in Comstock Northwest ($261,100).

  2. 47% of households in Comstock Northwest own their home, against 65% in Kalamazoo County.

  3. Nearby, in Springfield, the typical rent is $864: 20% less than in Comstock Northwest ($1,080).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Comstock Northwest

What homes there are in Comstock Northwest, 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

In Comstock Northwest there is a bit of everything: no kind of home reaches half. The most common are detached houses (49%); in Kalamazoo County, 65%.

Year built

The typical home in Comstock Northwest was built in 1992, 17 years after the typical one in Kalamazoo County.

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
Monthly rent with utilities

With a mortgage

$1,522 a month

Kalamazoo County: $1,616 a month

Without a mortgage

$621 a month

Kalamazoo County: $664 a month

Owners with a mortgage

67%

Kalamazoo County: 61%

Owning costs less in Comstock Northwest: with a mortgage, the typical cost is $1,522 a month; in Kalamazoo County, $1,616. Without one, $621.

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

Since 2015–2019, homes in Comstock Northwest gained value faster than in Kalamazoo County: 78% against 52%.

Much as in Kalamazoo County, the typical rent in Comstock Northwest rose 34% since 2015–2019.

The typical household income in Comstock Northwest rose 30%: less than home values (+78%) and rent (+34%).

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

MeasureComstock NorthwestKalamazoo CountyMichiganUnited States
Rental vacancy Unreliable estimate5.3%5.1%5.5%
Homeowner vacancy Unreliable estimate0.5%0.8%0.9%
More than one person per room Unreliable estimate1.0%1.6%3.4%
People per household 2.012.382.422.53
Drive alone 83%77%74%69%
Carpool Unreliable estimate6%8%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate3%2%3%
Work from home Unreliable estimate13%14%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate10 to 19 minutes20 to 29 minutes20 to 29 minutes

Households in Comstock Northwest are smaller: 2.01 people on average; in Kalamazoo County, 2.38.

To get to work, 83% of workers in Comstock Northwest drive alone; in Kalamazoo County, 77%.

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 Comstock Northwest?

A typical home costs more than the typical income allows

We start with a typical home in Comstock Northwest, worth $261,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 37% of the typical household income in Comstock Northwest, which is $73,475 a year. For that payment to be 28% of income, a household would need to earn about $97,099 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Comstock Northwest. 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 $9,139 (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

$2,266

at 7.18% · 30 years

Loan amount
$256,370
Total interest
$368,857
Paid off in
November 2056

Includes $4,409 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,714 a month

  • Tight

    $1,714 to $2,204 a month

  • Hard

    more than $2,204 a month

    Your payment · 37%

Compared with the typical household income in Comstock Northwest ($73,475 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,266
Principal & interest$1,737
Property tax$305
Home insurance$109
FHA mortgage insurance (MIP)$115

You need at least $9,139 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

Comstock Northwest and Kalamazoo County

Comstock Northwest is in Kalamazoo 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).

Comstock Northwest's own numbers

Typical home value
$261,100
Typical monthly rent
$1,080
Typical yearly household income
$73,475
Households that own their home
47%
Effective property tax rate
1.4%

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

Numbers for all of Kalamazoo County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,158
Price change over 5 years (FHFA)
+51%
Homes in a high flood-risk zone
0.7%

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 Kalamazoo County.

Everything about Kalamazoo County

Buying

Buying a home in Comstock Northwest

A typical home in Comstock Northwest is worth $261,100: 8% above the county and 13% above Michigan. With the typical household income in Comstock Northwest ($73,475 a year), a typical home costs 3.6 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.

  • Comstock Northwest 3.6 years
  • Kalamazoo 3.3 years
  • Michigan 3.2 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Kalamazoo County

According to FHFA’s house price index, home prices in Kalamazoo County rose 93% in the 10 years through 2025.

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

Period County Michigan U.S.
Last year (2025) +3.8% +4.7% +2.9%
5 years (2020–2025) +51% +52% +47%
10 years (2015–2025) +93% +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

Comstock Northwest next to Kalamazoo 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
  • Comstock Northwest $261,100
  • Kalamazoo $241,800
  • Michigan $231,600
  • United States $332,700
Typical monthly rent
  • Comstock Northwest $1,080
  • Kalamazoo $1,093
  • Michigan $1,129
  • United States $1,413
Typical yearly household income
  • Comstock Northwest $73,475
  • Kalamazoo $72,532
  • Michigan $72,875
  • United States $80,734
See the full table
Comstock Northwest next to Kalamazoo County and Michigan
Measure Comstock Northwest Kalamazoo County Michigan U.S.
Typical home value $261,100 $241,800 $231,600 $332,700
Typical monthly rent $1,080 $1,093 $1,129 $1,413
Typical yearly household income $73,475 $72,532 $72,875 $80,734
Households that own their home 47% 65% 73% 65%
Typical yearly property tax $3,666 $3,498 $2,904 $3,119
Effective property tax rate 1.4% 1.45% 1.25% 0.94%
Renters with high rent for their income 45% 52% 50% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Kalamazoo 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 Comstock Northwest

For a typical $261,100 home in Comstock Northwest, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Comstock Northwest's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,266a month

    Least cash to close
    Down payment
    $9,139
    Cash to close
    $16,972
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $115

  • Conventional, 5% down $2,218a month

    Down payment
    $13,055
    Cash to close
    $20,888
    Rate
    7.18%
    Mortgage insurance
    PMI · $124

  • Conventional, 20% down, no PMI $1,828a month

    Down payment
    $52,220
    Cash to close
    $60,053
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,070a month

    Down payment
    $39,165
    Cash to close
    $46,998
    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 Comstock Northwest and for Kalamazoo County.

Property tax

Effective rate in Comstock Northwest

1.4%of the home’s value each year

$3,666 a year for the typical owner in Comstock Northwest.

  • Comstock Northwest 1.4%
  • Kalamazoo 1.45%
  • 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 Kalamazoo County

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

Homes in the high-risk zone
0.7%
583
Of those, with NFIP insurance
17%
County Michigan U.S.
Homes in the high-risk zone 0.7% 1.6% 3.5%
Of those, with NFIP insurance 17% 18% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Comstock Northwest

Typical rent in Comstock Northwest is $1,080 a month: about the same as the county. In Comstock Northwest, 45% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Kalamazoo County, by unit size. To pay the 2-bedroom one ($1,158 a month) without spending more than 30% of your income, you would need to earn $22.27 an hour working full time.

HUD fair market rent for all of Kalamazoo 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 $885 $17.02 $35,400
1 bedroom $1,013 $19.48 $40,520
2 bedrooms $1,158 $22.27 $46,320
3 bedrooms $1,545 $29.71 $61,800
4 bedrooms $1,637 $31.48 $65,480

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 Comstock Northwest

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Comstock Northwest is in ZIP code 49048.

For 2 bedrooms it is $1,140: $18 less than the fair market rent for Kalamazoo County ($1,158).

  • 49048 $1,140$1,520

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Comstock Northwest 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?

Free help

Help to buy or rent in Comstock Northwest

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 Kalamazoo County; none says it serves in Spanish.

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Comstock Northwest

No down payment, repair or rent-help program on our list is for Comstock Northwest or Kalamazoo County. The ones below are statewide in Michigan: they work in Comstock Northwest 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 Comstock Northwest

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

  • Kalamazoo Neighborhood Housing Services, Inc

    1219 S Park St, Kalamazoo · 5 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (269) 385-2916

  • Neighborhoods Inc. of Battle Creek

    47 North Washington Ave, Battle Creek · 17 miles away

    • Budget and credit workshops
    • Fair housing pre-purchase workshops
    • and 5 more
    (269) 224-6606

  • Housing Services Mid Michigan

    319 S Cochran Ave, Charlotte · 38 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (517) 541-1180

Every agency in Kalamazoo County All counseling agencies in Michigan

Help in Spanish near Comstock Northwest

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 Comstock Northwest

HUD lists no housing authority with an office in Kalamazoo County. One in a neighboring county or the state’s may serve the area.

All housing agencies in Michigan Source: HUD

Cities

Other cities in Kalamazoo County

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

Everything about Kalamazoo County Housing in Michigan

Nearby cities

The cities closest to Comstock Northwest, with the typical home value.

Neighboring counties

If Kalamazoo 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 Comstock Northwest.

All guides
Three generations of a family gather on the porch of their home.

Questions

Housing questions about Comstock Northwest

Short answers with the numbers for Comstock Northwest and all of Kalamazoo 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 Comstock Northwest?

The typical home value in Comstock Northwest is $261,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Kalamazoo County it is $241,800.

How much does it cost to rent in Comstock Northwest?

Typical rent in Comstock Northwest is $1,080 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Kalamazoo County is $1,158.

What is the FHA loan limit in Comstock Northwest?

Comstock Northwest uses the FHA limit for all of Kalamazoo 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 Comstock Northwest?

The typical homeowner in Comstock Northwest pays $3,666 a year, according to the U.S. Census Bureau. That is 1.4% of the home’s value; in Kalamazoo County, the rate is 1.45%.

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

There is 1 HUD-approved counseling agency with an office in Kalamazoo 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).