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City · 33,982 residents · Macomb County, Michigan

Eastpointe , Michigan

In Eastpointe, a typical home is worth $142,200 and typical rent is $1,325 a month. Compared with all of Macomb County, the typical home value is 42% lower and typical household income is 20% lower.

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  • Typical home value

    $142,200

    42% below the county

    39% below Michigan

    • Eastpointe
    • Macomb
    • Michigan

  • Typical rent

    $1,325a month

    9% above the county

    17% above Michigan

    • Eastpointe
    • Macomb
    • Michigan

  • Typical household income

    $62,325a year

    20% below the county

    14% below Michigan

    • Eastpointe
    • Macomb
    • Michigan

  • Households that own their home

    70%

    5 points below the county

    3 points below Michigan

    • Eastpointe
    • Macomb
    • Michigan

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

Market now, with Zillow data

Zillow data
Typical home value
$151,659
0.8% more than 12 months ago
Typical rent
$1,467 a month
4.6% more than 12 months ago

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

Eastpointe is in Macomb 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 Macomb County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Eastpointe apart

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

  1. Nearby, in Center Line, the typical rent is $788: 41% less than in Eastpointe ($1,325).

  2. The typical home in Eastpointe is worth $142,200, 42% less than in Macomb County as a whole ($243,900).

  3. According to Zillow, in the 12 months to September 2026 the typical home value in Eastpointe rose 0.8%; in Michigan, it rose 3.8%.

  4. The typical household income in Eastpointe is $62,325, 20% less than in Macomb County as a whole ($77,837).

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

The homes here

Housing in Eastpointe

What homes there are in Eastpointe, 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

The detached house rules in Eastpointe: 90% of homes, more than in Macomb County (68%).

Year built

The typical home in Eastpointe was built in 1954, 21 years before the typical one in Macomb County.

Homes in Eastpointe are bigger: 74% have 3 bedrooms or more; in Macomb County, 67%.

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

$1,190 a month

Macomb County: $1,628 a month

Without a mortgage

$569 a month

Macomb County: $643 a month

Owners with a mortgage

64%

Macomb County: 62%

The typical cost for an owner with a mortgage in Eastpointe is $1,190 a month, less than in Macomb County ($1,628); without one, $569.

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 Eastpointe gained value faster than in Macomb County: 84% against 46%.

Rents in Eastpointe rose more slowly than in Macomb County: 21% since 2015–2019, against 26%.

To compare: typical income in Eastpointe rose 25%; the home, +84%; the rent, +21%.

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

MeasureEastpointeMacomb CountyMichiganUnited States
Rental vacancy Unreliable estimate2.9%5.1%5.5%
Homeowner vacancy Unreliable estimate0.7%0.8%0.9%
More than one person per room 3.3%1.8%1.6%3.4%
People per household 2.562.432.422.53
Drive alone 74%76%74%69%
Carpool 8%8%8%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 11%13%14%15%
Other means Unreliable estimate1%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

More households are short on space in Eastpointe: 3.3% have more than one person per room; in Macomb County, 1.8%.

More people live in each home here: 2.56 on average, against 2.43 in Macomb County.

In Eastpointe, 74% of workers drive alone to work; in Macomb County, 76%.

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 Eastpointe?

A typical home is within reach of the typical income

We start with a typical home in Eastpointe, worth $142,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 25% of the typical household income in Eastpointe, which is $62,325 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Eastpointe. 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 $4,977 (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

$1,284

at 7.18% · 30 years

Loan amount
$139,624
Total interest
$200,887
Paid off in
November 2056

Includes $2,401 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,454 a month

    Your payment · 25%

  • Tight

    $1,454 to $1,870 a month

  • Hard

    more than $1,870 a month

Compared with the typical household income in Eastpointe ($62,325 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,284
Principal & interest$946
Property tax$216
Home insurance$59
FHA mortgage insurance (MIP)$63

You need at least $4,977 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

Eastpointe and Macomb County

Eastpointe is in Macomb 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).

Eastpointe's own numbers

Typical home value
$142,200
Typical monthly rent
$1,325
Typical yearly household income
$62,325
Households that own their home
70%
Effective property tax rate
1.82%

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

Numbers for all of Macomb 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)
+47%
Homes in a high flood-risk zone
1.2%

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 Macomb County.

Everything about Macomb County

Buying

Buying a home in Eastpointe

A typical home in Eastpointe is worth $142,200: 42% below the county and 39% below Michigan. With the typical household income in Eastpointe ($62,325 a year), a typical home costs 2.3 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.

  • Eastpointe 2.3 years
  • Macomb 3.1 years
  • Michigan 3.2 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Macomb County

According to FHFA’s house price index, home prices in Macomb County rose 92% in the 10 years through 2025.

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

Period County Michigan U.S.
Last year (2025) +4.1% +4.7% +2.9%
5 years (2020–2025) +47% +52% +47%
10 years (2015–2025) +92% +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

Eastpointe next to Macomb 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
  • Eastpointe $142,200
  • Macomb $243,900
  • Michigan $231,600
  • United States $332,700
Typical monthly rent
  • Eastpointe $1,325
  • Macomb $1,211
  • Michigan $1,129
  • United States $1,413
Typical yearly household income
  • Eastpointe $62,325
  • Macomb $77,837
  • Michigan $72,875
  • United States $80,734
See the full table
Eastpointe next to Macomb County and Michigan
Measure Eastpointe Macomb County Michigan U.S.
Typical home value $142,200 $243,900 $231,600 $332,700
Typical monthly rent $1,325 $1,211 $1,129 $1,413
Typical yearly household income $62,325 $77,837 $72,875 $80,734
Households that own their home 70% 75% 73% 65%
Typical yearly property tax $2,583 $3,404 $2,904 $3,119
Effective property tax rate 1.82% 1.4% 1.25% 0.94%
Renters with high rent for their income 56% 51% 50% 51%

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

For a typical $142,200 home in Eastpointe, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Eastpointe's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,284a month

    Least cash to close
    Down payment
    $4,977
    Cash to close
    $9,243
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $63

  • Conventional, 5% down $1,258a month

    Down payment
    $7,110
    Cash to close
    $11,376
    Rate
    7.18%
    Mortgage insurance
    PMI · $68

  • Conventional, 20% down, no PMI $1,046a month

    Down payment
    $28,440
    Cash to close
    $32,706
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,177a month

    Down payment
    $21,330
    Cash to close
    $25,596
    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 Eastpointe and for Macomb County.

Property tax

Effective rate in Eastpointe

1.82%of the home’s value each year

$2,583 a year for the typical owner in Eastpointe.

  • Eastpointe 1.82%
  • Macomb 1.4%
  • 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 Macomb County

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

Homes in the high-risk zone
1.2%
3,449
Of those, with NFIP insurance
30%
County Michigan U.S.
Homes in the high-risk zone 1.2% 1.6% 3.5%
Of those, with NFIP insurance 30% 18% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Eastpointe

Typical rent in Eastpointe is $1,325 a month: 9% above the county. In Eastpointe, 56% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Macomb 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 Macomb 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 Eastpointe

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Eastpointe is in ZIP code 48021.

For 2 bedrooms it is $1,630: $171 more than the fair market rent for Macomb County ($1,459).

  • 48021 $1,630$1,980

A ZIP code counts for Eastpointe 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 Eastpointe

HUD lists 3 buildings with rents for lower incomes in Eastpointe. These are the largest.

  • Chester Berry Manor 15701 E 9 Mile Rd, Eastpointe 48021 164 low-income homes · Run by Eastpointe Housing Commission · Average payment: $382 a month · Average wait: 16 months (586) 445-5099
  • Grafton Townhomes 14800 E 9 Mile Rd, Eastpointe 48021 48 low-income homes · 2 bd: 24 · 3 bd: 24 · In service since 2016
  • Erin Park 15115 Deerfield Ave, Eastpointe 48021 56 homes, 8 low-income (586) 773-1766

See all 58 buildings in Macomb County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Eastpointe

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 2 HUD-approved agencies with an office in Macomb County; none says it serves in Spanish.

A man leans over the armchair where a girl is reading a book.

HUD counseling is free or low-cost

Assistance programs in Eastpointe

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

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

  • Msue- Macomb County (WARREN)

    11370 Hupp Avenue, Warren · 3 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 3 more
    (586) 469-7609

  • Matrix Human Services

    13560 E McNichols Rd, Detroit · 3 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 6 more
    313-526-4000x1246

  • Jefferson East, Inc.

    14300 E Jefferson Ave, Detroit · 6 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 5 more
    (313) 331-7939

Every agency in Macomb County All counseling agencies in Michigan

Help in Spanish near Eastpointe

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 Eastpointe

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

  • Eastpointe Housing Commission Public housing and Section 8 vouchers (586) 445-5099

6 other authorities have an office in Macomb County: see the list Source: HUD

Cities

Other cities in Macomb County

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

Everything about Macomb County Housing in Michigan

Nearby cities

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

Neighboring counties

If Macomb 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 Eastpointe.

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

Questions

Housing questions about Eastpointe

Short answers with the numbers for Eastpointe and all of Macomb 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 Eastpointe?

The typical home value in Eastpointe is $142,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Macomb County it is $243,900.

How much does it cost to rent in Eastpointe?

Typical rent in Eastpointe is $1,325 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Macomb County is $1,459.

What is the FHA loan limit in Eastpointe?

Eastpointe uses the FHA limit for all of Macomb 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 Eastpointe?

The typical homeowner in Eastpointe pays $2,583 a year, according to the U.S. Census Bureau. That is 1.82% of the home’s value; in Macomb County, the rate is 1.4%.

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

There are 2 HUD-approved counseling agencies with an office in Macomb 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).