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City · 61,771 residents · Wayne County, Michigan

Dearborn Heights , Michigan

In Dearborn Heights, a typical home is worth $185,100 and typical rent is $1,331 a month. Compared with all of Wayne County, typical rent is 18% higher and the share of households that own their home is 6 points higher.

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  • Typical home value

    $185,100

    4% above the county

    20% below Michigan

    • Dearborn Heights
    • Wayne
    • Michigan

  • Typical rent

    $1,331a month

    18% above the county

    18% above Michigan

    • Dearborn Heights
    • Wayne
    • Michigan

  • Typical household income

    $60,391a year

    About the same as the county

    17% below Michigan

    • Dearborn Heights
    • Wayne
    • Michigan

  • Households that own their home

    70%

    6 points above the county

    3 points below Michigan

    • Dearborn Heights
    • Wayne
    • Michigan

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

Market now, with Zillow data

Zillow data
Typical home value
$212,637
2.3% more than 12 months ago
Typical rent
$1,447 a month
1.9% more than 12 months ago

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

Dearborn Heights is in Wayne 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 Wayne County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Dearborn Heights apart

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

  1. Nearby, in Inkster, the typical home value is $80,400: 57% less than in Dearborn Heights ($185,100).

  2. The typical rent in Dearborn Heights is $1,331 a month, 18% more than in Wayne County as a whole ($1,132).

  3. 70% of households in Dearborn Heights own their home, against 65% in Wayne County.

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

The homes here

Housing in Dearborn Heights

What homes there are in Dearborn Heights, 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 Dearborn Heights, 9 in 10 homes are single-family detached houses; in Wayne County, 7.

Year built

By age, homes in Dearborn Heights look like those in Wayne County: the typical year built is 1958.

There is more room for a big family here: 74% of homes have 3 bedrooms or more, against 64% in Wayne 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

The FHA loan limit for Wayne County is $541,287, and about 97% of owner-occupied homes in Dearborn Heights are worth less than that.

Monthly rent with utilities

With a mortgage

$1,476 a month

Wayne County: $1,556 a month

Without a mortgage

$642 a month

Wayne County: $612 a month

Owners with a mortgage

49%

Wayne County: 52%

In Dearborn Heights, 49% of owners have a mortgage, and their typical cost is $1,476 a month, against $1,556 in Wayne County. Without one it drops to $642.

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 Dearborn Heights rose 63%; in Wayne County, it rose 58%.

Rents in Dearborn Heights rose at about the same pace as in Wayne County: 27% since 2015–2019, against 29%.

Housing prices ran ahead of income in Dearborn Heights: typical income rose 21%, against +63% for home values and +27% for rent.

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

MeasureDearborn HeightsWayne CountyMichiganUnited States
Rental vacancy 5.1%4.6%5.1%5.5%
Homeowner vacancy Unreliable estimate1.5%0.8%0.9%
More than one person per room 3.9%2.2%1.6%3.4%
People per household 2.762.502.422.53
Drive alone 73%72%74%69%
Carpool 12%9%8%9%
Public transit Unreliable estimate2%1%3%
Walk or bike 1%2%2%3%
Work from home 12%14%14%15%
Other means Unreliable estimate2%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in Wayne County, the rental vacancy rate in Dearborn Heights is 5.1%.

More households are short on space in Dearborn Heights: 3.9% have more than one person per room; in Wayne County, 2.2%.

Households in Dearborn Heights are bigger: 2.76 people on average; in Wayne County, 2.50.

Carpooling is common in Dearborn Heights: 12% of workers get to work that way, against 9% in Wayne County.

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 Dearborn Heights?

A typical home is tight for the typical income

We start with a typical home in Dearborn Heights, worth $185,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 33% of the typical household income in Dearborn Heights, which is $60,391 a year. For that payment to be 28% of income, a household would need to earn about $70,422 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Dearborn Heights. 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 $6,479 (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

$1,643

at 7.18% · 30 years

Loan amount
$181,747
Total interest
$261,491
Paid off in
November 2056

Includes $3,126 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,409 a month

  • Tight

    $1,409 to $1,812 a month

    Your payment · 33%

  • Hard

    more than $1,812 a month

Compared with the typical household income in Dearborn Heights ($60,391 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,643
Principal & interest$1,231
Property tax$253
Home insurance$77
FHA mortgage insurance (MIP)$82

You need at least $6,479 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

Dearborn Heights and Wayne County

Dearborn Heights is in Wayne 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).

Dearborn Heights's own numbers

Typical home value
$185,100
Typical monthly rent
$1,331
Typical yearly household income
$60,391
Households that own their home
70%
Effective property tax rate
1.64%

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

Numbers for all of Wayne County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,459
Price change over 5 years (FHFA)
+49%
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 Wayne County.

Everything about Wayne County

Buying

Buying a home in Dearborn Heights

A typical home in Dearborn Heights is worth $185,100: 4% above the county and 20% below Michigan. With the typical household income in Dearborn Heights ($60,391 a year), a typical home costs 3.1 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.

  • Dearborn Heights 3.1 years
  • Wayne 2.9 years
  • Michigan 3.2 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Wayne County

According to FHFA’s house price index, home prices in Wayne County rose 97% in the 10 years through 2025.

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

Period County Michigan U.S.
Last year (2025) +5.3% +4.7% +2.9%
5 years (2020–2025) +49% +52% +47%
10 years (2015–2025) +97% +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

Dearborn Heights next to Wayne 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
  • Dearborn Heights $185,100
  • Wayne $178,500
  • Michigan $231,600
  • United States $332,700
Typical monthly rent
  • Dearborn Heights $1,331
  • Wayne $1,132
  • Michigan $1,129
  • United States $1,413
Typical yearly household income
  • Dearborn Heights $60,391
  • Wayne $60,539
  • Michigan $72,875
  • United States $80,734
See the full table
Dearborn Heights next to Wayne County and Michigan
Measure Dearborn Heights Wayne County Michigan U.S.
Typical home value $185,100 $178,500 $231,600 $332,700
Typical monthly rent $1,331 $1,132 $1,129 $1,413
Typical yearly household income $60,391 $60,539 $72,875 $80,734
Households that own their home 70% 65% 73% 65%
Typical yearly property tax $3,036 $2,904 $2,904 $3,119
Effective property tax rate 1.64% 1.63% 1.25% 0.94%
Renters with high rent for their income 53% 54% 50% 51%

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

For a typical $185,100 home in Dearborn Heights, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Dearborn Heights's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,643a month

    Least cash to close
    Down payment
    $6,479
    Cash to close
    $12,032
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $82

  • Conventional, 5% down $1,609a month

    Down payment
    $9,255
    Cash to close
    $14,808
    Rate
    7.18%
    Mortgage insurance
    PMI · $88

  • Conventional, 20% down, no PMI $1,333a month

    Down payment
    $37,020
    Cash to close
    $42,573
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,504a month

    Down payment
    $27,765
    Cash to close
    $33,318
    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 Dearborn Heights and for Wayne County.

Property tax

Effective rate in Dearborn Heights

1.64%of the home’s value each year

$3,036 a year for the typical owner in Dearborn Heights.

  • Dearborn Heights 1.64%
  • Wayne 1.63%
  • 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 Wayne County

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

Homes in the high-risk zone
2%
12,730
Of those, with NFIP insurance
22%
County Michigan U.S.
Homes in the high-risk zone 2% 1.6% 3.5%
Of those, with NFIP insurance 22% 18% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Dearborn Heights

Typical rent in Dearborn Heights is $1,331 a month: 18% above the county. In Dearborn Heights, 53% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Wayne County, by unit size. To pay the 2-bedroom one ($1,459 a month) without spending more than 30% of your income, you would need to earn $28.06 an hour working full time.

HUD fair market rent for all of Wayne 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 $1,047 $20.13 $41,880
1 bedroom $1,167 $22.44 $46,680
2 bedrooms $1,459 $28.06 $58,360
3 bedrooms $1,777 $34.17 $71,080
4 bedrooms $1,929 $37.10 $77,160

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 Dearborn Heights

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

For 2 bedrooms it runs from $1,550 in 48127 to $1,620 in 48125.

2 of the 2 are above the fair market rent for Wayne County ($1,459).

  • 48125 $1,620$1,970
  • 48127 $1,550$1,890

A ZIP code counts for Dearborn Heights 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 Dearborn Heights

HUD lists one building with rents for lower incomes in Dearborn Heights.

  • Dearborn Heights Cooperative Apts 16600 W Outer Dr, Dearborn Heights 48127 201 homes, 199 low-income · For older adults (313) 563-2690

See all 448 buildings in Wayne County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Dearborn Heights

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 18 HUD-approved agencies with an office in Wayne County; 4 say they serve in Spanish.

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in Dearborn Heights

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

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

  • Seed - Sowing Empowerment and Economic Development

    8570 Grandmont Ave, Detroit · 4 miles away

    • Pre-purchase counseling
    • Homebuyer education workshops
    (313) 939-2024

  • Amandla Community Development Corporation

    7707 W Outer Dr, Detroit · 7 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 5 more
    (313) 347-2829

  • Foundation for Pops

    17500 Dix Rd, Melvindale · 7 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 9 more
    (833) 767-7111

Every agency in Wayne County All counseling agencies in Michigan

Help in Spanish near Dearborn Heights

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 Dearborn Heights

In HUD’s record, no housing authority with an office in Wayne County is named for Dearborn Heights or Wayne County.

17 other authorities have an office in Wayne County: see the list Source: HUD

Cities

Other cities in Wayne County

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

Everything about Wayne County Housing in Michigan
See 17 more cities in Wayne County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Dearborn Heights, with the typical home value.

Neighboring counties

If Wayne 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 Dearborn Heights.

All guides
A mother and her daughters smile together on a mountain trail with a snowy peak behind them.

Questions

Housing questions about Dearborn Heights

Short answers with the numbers for Dearborn Heights and all of Wayne 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 Dearborn Heights?

The typical home value in Dearborn Heights is $185,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Wayne County it is $178,500.

How much does it cost to rent in Dearborn Heights?

Typical rent in Dearborn Heights is $1,331 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Wayne County is $1,459.

What is the FHA loan limit in Dearborn Heights?

Dearborn Heights uses the FHA limit for all of Wayne 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 Dearborn Heights?

The typical homeowner in Dearborn Heights pays $3,036 a year, according to the U.S. Census Bureau. That is 1.64% of the home’s value; in Wayne County, the rate is 1.63%.

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

There are 18 HUD-approved counseling agencies with an office in Wayne County. 4 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).