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City · 18,780 residents · Kent County, Michigan

Cutlerville , Michigan

In Cutlerville, a typical home is worth $222,600 and typical rent is $1,254 a month. Compared with all of Kent County, the typical home value is 23% lower and typical household income is 19% lower.

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  • Typical home value

    $222,600

    23% below the county

    4% below Michigan

    • Cutlerville
    • Kent
    • Michigan

  • Typical rent

    $1,254a month

    About the same as the county

    11% above Michigan

    • Cutlerville
    • Kent
    • Michigan

  • Typical household income

    $67,327a year

    19% below the county

    8% below Michigan

    • Cutlerville
    • Kent
    • Michigan

  • Households that own their home

    70%

    1 points below the county

    3 points below Michigan

    • Cutlerville
    • Kent
    • Michigan

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

Market now, with Zillow data

Zillow data
Typical home value
$296,891
4.5% more than 12 months ago

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

Cutlerville is in Kent 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 Kent County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Cutlerville apart

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

  1. The typical home in Cutlerville is worth $222,600, 23% less than in Kent County as a whole ($289,900).

  2. The typical household income in Cutlerville is $67,327, 19% less than in Kent County as a whole ($82,631).

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

The homes here

Housing in Cutlerville

What homes there are in Cutlerville, 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

No kind of home is the majority in Cutlerville; the largest group, detached houses, adds up to 32%, less than in Kent County (65%).

In Cutlerville there are many mobile homes: 29% of homes; in Kent County, 4%.

Year built

Homes in Cutlerville are newer: the typical year built is 1992; in Kent County, 1977.

There are fewer big homes in Cutlerville than in Kent County: 50% have 3 bedrooms or more, against 64%.

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 91% of owner-occupied homes in Cutlerville are worth less than $500,000, below the FHA loan limit for Kent County ($541,287).

Monthly rent with utilities

With a mortgage

$1,477 a month

Kent County: $1,603 a month

Without a mortgage

$598 a month

Kent County: $618 a month

Owners with a mortgage

50%

Kent County: 63%

The typical cost for an owner with a mortgage in Cutlerville is $1,477 a month, less than in Kent County ($1,603); without one, $598.

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

From 2015–2019 to 2020–2024, the typical home value in Cutlerville rose 52%; in Kent County, it rose 67%.

Rents in Cutlerville rose at about the same pace as in Kent County: 39% since 2015–2019, against 38%.

Here income did not keep up with housing: it rose 27%, while home values changed +52% and rent +39%.

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

MeasureCutlervilleKent CountyMichiganUnited States
Rental vacancy Unreliable estimate4.3%5.1%5.5%
Homeowner vacancy Unreliable estimate0.3%0.8%0.9%
More than one person per room 4.6%1.9%1.6%3.4%
People per household 2.602.542.422.53
Drive alone 78%73%74%69%
Carpool 9%8%8%9%
Public transit Unreliable estimate2%1%3%
Walk or bike 2%2%2%3%
Work from home 9%14%14%15%
Other means Unreliable estimate1%1%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

In Cutlerville, 4.6% of households live with more than one person per room, against 1.9% in Kent County.

Much as in Kent County, a household in Cutlerville has 2.60 people on average.

To get to work, 78% of workers in Cutlerville drive alone; in Kent County, 73%.

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 Cutlerville?

A typical home is tight for the typical income

We start with a typical home in Cutlerville, worth $222,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 34% of the typical household income in Cutlerville, which is $67,327 a year. For that payment to be 28% of income, a household would need to earn about $80,953 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Cutlerville. 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 $7,791 (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

$1,889

at 7.18% · 30 years

Loan amount
$218,568
Total interest
$314,468
Paid off in
November 2056

Includes $3,759 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,571 a month

  • Tight

    $1,571 to $2,020 a month

    Your payment · 34%

  • Hard

    more than $2,020 a month

Compared with the typical household income in Cutlerville ($67,327 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,889
Principal & interest$1,481
Property tax$217
Home insurance$93
FHA mortgage insurance (MIP)$98

You need at least $7,791 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

Cutlerville and Kent County

Cutlerville is in Kent 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).

Cutlerville's own numbers

Typical home value
$222,600
Typical monthly rent
$1,254
Typical yearly household income
$67,327
Households that own their home
70%
Effective property tax rate
1.17%

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

Numbers for all of Kent County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,630
Price change over 5 years (FHFA)
+60%

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 Kent County.

Everything about Kent County

Buying

Buying a home in Cutlerville

A typical home in Cutlerville is worth $222,600: 23% below the county and 4% below Michigan. With the typical household income in Cutlerville ($67,327 a year), a typical home costs 3.3 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.

  • Cutlerville 3.3 years
  • Kent 3.5 years
  • Michigan 3.2 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Kent County

According to FHFA’s house price index, home prices in Kent County rose 130% in the 10 years through 2025.

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

Period County Michigan U.S.
Last year (2025) +4.5% +4.7% +2.9%
5 years (2020–2025) +60% +52% +47%
10 years (2015–2025) +130% +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

Cutlerville next to Kent 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
  • Cutlerville $222,600
  • Kent $289,900
  • Michigan $231,600
  • United States $332,700
Typical monthly rent
  • Cutlerville $1,254
  • Kent $1,243
  • Michigan $1,129
  • United States $1,413
Typical yearly household income
  • Cutlerville $67,327
  • Kent $82,631
  • Michigan $72,875
  • United States $80,734
See the full table
Cutlerville next to Kent County and Michigan
Measure Cutlerville Kent County Michigan U.S.
Typical home value $222,600 $289,900 $231,600 $332,700
Typical monthly rent $1,254 $1,243 $1,129 $1,413
Typical yearly household income $67,327 $82,631 $72,875 $80,734
Households that own their home 70% 70% 73% 65%
Typical yearly property tax $2,615 $3,217 $2,904 $3,119
Effective property tax rate 1.17% 1.11% 1.25% 0.94%
Renters with high rent for their income 43% 49% 50% 51%

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

For a typical $222,600 home in Cutlerville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Cutlerville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,889a month

    Least cash to close
    Down payment
    $7,791
    Cash to close
    $14,469
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $98

  • Conventional, 5% down $1,848a month

    Down payment
    $11,130
    Cash to close
    $17,808
    Rate
    7.18%
    Mortgage insurance
    PMI · $106

  • Conventional, 20% down, no PMI $1,516a month

    Down payment
    $44,520
    Cash to close
    $51,198
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,722a month

    Down payment
    $33,390
    Cash to close
    $40,068
    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 Cutlerville and for Kent County.

Property tax

Effective rate in Cutlerville

1.17%of the home’s value each year

$2,615 a year for the typical owner in Cutlerville.

  • Cutlerville 1.17%
  • Kent 1.11%
  • 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 Kent County

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

FEMA’s maps count no homes in the high-risk zone in Kent County. That does not mean it cannot flood: check your address.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Cutlerville

Typical rent in Cutlerville is $1,254 a month: about the same as the county. In Cutlerville, 43% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Kent County, by unit size. To pay the 2-bedroom one ($1,630 a month) without spending more than 30% of your income, you would need to earn $31.35 an hour working full time.

HUD fair market rent for all of Kent 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 $1,306 $25.12 $52,240
1 bedroom $1,365 $26.25 $54,600
2 bedrooms $1,630 $31.35 $65,200
3 bedrooms $2,113 $40.63 $84,520
4 bedrooms $2,417 $46.48 $96,680

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 Cutlerville

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Cutlerville has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,540 in 49548 to $1,790 in 49315.

1 of the 2 is above the fair market rent for Kent County ($1,630).

  • 49315 $1,790$2,310
  • 49548 $1,540$2,000

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Cutlerville 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 Cutlerville

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 are 5 HUD-approved agencies with an office in Kent County; 2 say they serve 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 Cutlerville

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

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

  • Home Repair Services of Kent County

    1100 Division Ave S, Grand Rapids · 7 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 3 more
    (616) 241-2601

  • Iccf Community Homes

    415 Martin Luther King Jr St SE Ste 100, Grand Rapids · 8 miles away · Spanish

    • Pre-purchase counseling
    • Homebuyer education workshops
    (616) 336-9333

  • GRAND RAPIDS URBAN LEAGUE DBA Urban League of West Michigan

    745 Eastern Ave SE, Grand Rapids · 8 miles away

    • Mortgage delinquency and default
    • Homelessness services
    • and 1 more
    (616) 245-2207

Every agency in Kent County All counseling agencies in Michigan

Help in Spanish near Cutlerville

2 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 Cutlerville

In HUD’s record, no housing authority with an office in Kent County is named for Cutlerville or Kent County.

3 other authorities have an office in Kent County: see the list Source: HUD

Cities

Other cities in Kent County

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

Everything about Kent County Housing in Michigan

Nearby cities

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

Neighboring counties

If Kent 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 Cutlerville.

All guides
A couple spread mulch under the avocado trees of their family orchard, he on the tractor and she with a shovel.

Questions

Housing questions about Cutlerville

Short answers with the numbers for Cutlerville and all of Kent 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 Cutlerville?

The typical home value in Cutlerville is $222,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Kent County it is $289,900.

How much does it cost to rent in Cutlerville?

Typical rent in Cutlerville is $1,254 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Kent County is $1,630.

What is the FHA loan limit in Cutlerville?

Cutlerville uses the FHA limit for all of Kent 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 Cutlerville?

The typical homeowner in Cutlerville pays $2,615 a year, according to the U.S. Census Bureau. That is 1.17% of the home’s value; in Kent County, the rate is 1.11%.

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

There are 5 HUD-approved counseling agencies with an office in Kent County. 2 say they serve in Spanish. 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).