In Escanaba, a typical home is worth $125,200 and typical rent is $657 a month. Compared with all of Delta County, typical household income is 22% lower, the typical home value is 20% lower, and the share of households that own their home is 18 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $117,450 to $185,064.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Escanaba is in Delta 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 Delta County. See the county
What this place has that others do not, from public data, most unusual first.
1
Escanaba has the 2nd lowest typical rent of the 175 cities in Michigan with more than 5,000 people ($657).
2
64% of households in Escanaba own their home, against 82% in Delta County.
3
Escanaba has the 8th smallest share of rent-burdened renters of the 168 cities in Michigan with more than 5,000 people (33%).
4
According to Zillow, in the 12 months to September 2026 the typical home value in Escanaba rose 9%; in Michigan, it rose 3.8%.
5
Nearby, in Menominee, the typical home value is $104,400: 17% less than in Escanaba ($125,200).
6
The typical household income in Escanaba is $45,369,22% less than in Delta County as a whole ($57,809).
Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data
The homes here
Housing in Escanaba
What homes there are in Escanaba, 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Escanaba
Delta County
Michigan
United States
Kind of home: Escanaba and its comparisons
Measure
Escanaba
Delta County
Michigan
United States
Detached house
65%
80%
72%
61%
Attached house
Unreliable estimate
1%
5%
6%
Building of 2 to 4
12%
4%
5%
8%
Apartments (5 or more)
16%
7%
13%
19%
Mobile home
5%
7%
5%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Escanaba, 6 in 10 homes are single-family detached houses; in Delta County, 8.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Escanaba
Delta County
Michigan
United States
Year built: Escanaba and its comparisons
Measure
Escanaba
Delta County
Michigan
United States
Before 1960
62%
41%
36%
26%
1960–1979
22%
25%
26%
24%
1980–1999
11%
22%
22%
25%
2000–2009
3%
9%
10%
14%
2010 or later
Unreliable estimate
4%
6%
11%
Homes in Escanaba are older: the typical year built is 1952; in Delta County, 1970.
There are fewer big homes in Escanaba than in Delta County: 52% have 3 bedrooms or more, against 62%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K36%
$100K–$200K46%
$200K–$300K9%
$300K–$500K6%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Escanaba and its comparisons
Measure
Escanaba
Under $100K
36%
$100K–$200K
46%
$200K–$300K
9%
$300K–$500K
6%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
With an FHA limit of $541,287, at least 98% of owner-occupied homes in Escanaba sit below it: they are worth less than $500,000.
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50038%
$500–$99951%
$1,000–$1,4999%
HUD fair market rent, 2 bedrooms: $1,014
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Escanaba and its comparisons
Measure
Escanaba
Under $500
38%
$500–$999
51%
$1,000–$1,499
9%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
About 89% of rented homes in Escanaba cost less than HUD's 2-bedroom fair market rent for Delta County ($1,014).
With a mortgage
$1,095 a month
Delta County: $1,205 a month
Without a mortgage
$457 a month
Delta County: $477 a month
Owners with a mortgage
53%
Delta County: 50%
The typical cost for an owner with a mortgage in Escanaba is $1,095 a month, less than in Delta County ($1,205); without one, $457.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Escanaba+45%
Delta County+37%
Michigan+50%
United States+53%
Typical rent
EscanabaNo clear change
Delta County+19%
Michigan+30%
United States+33%
Typical household income
Escanaba+27%
Delta County+22%
Michigan+28%
United States+29%
Change since 2015–2019: Escanaba and its comparisons
Measure
Escanaba
Delta County
Michigan
United States
Typical home value
+45%
+37%
+50%
+53%
Typical rent
No clear change
+19%
+30%
+33%
Typical household income
+27%
+22%
+28%
+29%
The typical home value in Escanaba rose 45% since 2015–2019, more than in Delta County (37%).
Since 2015–2019, the typical rent in Escanaba did not change clearly, according to the Census.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Escanaba and its comparisons
Measure
Escanaba
Delta County
Michigan
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
5.1%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.8%
0.9%
More than one person per room
Unreliable estimate
1.4%
1.6%
3.4%
People per household
2.06
2.26
2.42
2.53
Drive alone
77%
82%
74%
69%
Carpool
11%
9%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
4%
3%
2%
3%
Work from home
6%
6%
14%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
under 10 minutes
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
Fewer people live in each home here: 2.06 on average, against 2.26 in Delta County.
In Escanaba, 77% of workers drive alone to work; in Delta County, 82%.
Do the math
What would you pay each month for a home in Escanaba?
A typical home is tight for the typical income
We start with a typical home in Escanaba, worth $125,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 29% of the typical household income in Escanaba, which is $45,369 a year. For that payment to be 28% of income, a household would need to earn about $46,873 a year.
The calculator's FHA and conventional loan limits are those of all of Delta County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Escanaba. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $4,382 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$1,094
at 7.18% · 30 years
Loan amount
$122,932
Total interest
$176,871
Paid off in
November 2056
Includes $2,114 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,059 a month
Tight
$1,059 to $1,361 a month
Your payment · 29%
Hard
more than $1,361 a month
Compared with the typical household income in Escanaba ($45,369 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$833
Property tax
$153
Home insurance
$52
FHA mortgage insurance (MIP)
$55
You need at least $4,382 for the down payment, plus closing costs.
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.
Total monthly payment $1,094; principal and interest $833.
The city and its county
Escanaba and Delta County
Escanaba is in Delta 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).
Map of Delta County, Michigan, with Escanaba marked. Around it, the neighboring counties.
Delta County
Escanaba's own numbers
Typical home value
$125,200
Typical monthly rent
$657
Typical yearly household income
$45,369
Households that own their home
64%
Effective property tax rate
1.47%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Delta County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,014
Price change over 5 years (FHFA)
+72%
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 Delta County.
A typical home in Escanaba is worth $125,200: 20% below the county and 46% below Michigan. With the typical household income in Escanaba ($45,369 a year), a typical home costs 2.8 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.
Escanaba2.8 years
Delta2.7 years
Michigan3.2 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Delta County
According to FHFA’s house price index, home prices in Delta County rose 90% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Delta County.
Yearly change in FHFA’s price index in Delta County, 2016 to 2025
2016: +2.1% +2.1% 2016
2017: +1.4% +1.4% 2017
2018: +1.1% +1.1% 2018
2019: +3.2% +3.2% 2019
2020: +2.6% +2.6% 2020
2021: +12.3% +12.3% 2021
2022: +14.0% +14.0% 2022
2023: +9.7% +9.7% 2023
2024: +6.0% +6.0% 2024
2025: +15.4% +15.4% 2025
Change in FHFA’s price index in Delta County, Michigan and the United States
Period
County
Michigan
U.S.
Last year (2025)
+15.4%
+4.7%
+2.9%
5 years (2020–2025)
+72%
+52%
+47%
10 years (2015–2025)
+90%
+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
Escanaba next to Delta 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
Escanaba$125,200
Delta$157,100
Michigan$231,600
United States$332,700
Typical monthly rent
Escanaba$657
Delta$692
Michigan$1,129
United States$1,413
Typical yearly household income
Escanaba$45,369
Delta$57,809
Michigan$72,875
United States$80,734
See the full table
Escanaba next to Delta County and Michigan
Measure
Escanaba
Delta County
Michigan
U.S.
Typical home value
$125,200 ▼20% below the county
$157,100
$231,600
$332,700
Typical monthly rent
$657 ▼5% below the county
$692
$1,129
$1,413
Typical yearly household income
$45,369 ▼22% below the county
$57,809
$72,875
$80,734
Households that own their home
64% ▼18 points below the county
82%
73%
65%
Typical yearly property tax
$1,843 ▲4% above the county
$1,771
$2,904
$3,119
Effective property tax rate
1.47% ▲0.34 points above the county
1.13%
1.25%
0.94%
Renters with high rent for their income
33% ▼7 points below the county
41%
50%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Delta 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 Escanaba
For a typical $125,200 home in Escanaba, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Escanaba's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,094a month
Least cash to close
Down payment
$4,382
Cash to close
$8,138
Rate
7.18%
Mortgage insurance
FHA MIP · $55
Conventional, 5% down$1,071a month
Down payment
$6,260
Cash to close
$10,016
Rate
7.18%
Mortgage insurance
PMI · $59
Conventional, 20% down, no PMI$884a month
Down payment
$25,040
Cash to close
$28,796
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,000a month
Down payment
$18,780
Cash to close
$22,536
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Escanaba
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,094
$4,382
$122,932
7.18%
FHA MIP · $55
$8,138
580
Conventional, 5% down
$1,071
$6,260
$118,940
7.18%
PMI · $59
$10,016
620*
Conventional, 20% down, no PMI
$884
$25,040
$100,160
7.18%
None
$28,796
620*
ITIN, 15% down (example)
$1,000
$18,780
$106,420
8.18%
None
$22,536
Set by the lender
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.
Typical rent in Escanaba is $657 a month: 5% below the county. In Escanaba, 33% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Delta County, by unit size. To pay the 2-bedroom one ($1,014 a month) without spending more than 30% of your income, you would need to earn $19.50 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Delta County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$770
$14.81
$30,800
1 bedroom
$775
$14.90
$31,000
2 bedrooms
$1,014
$19.50
$40,560
3 bedrooms
$1,347
$25.90
$53,880
4 bedrooms
$1,688
$32.46
$67,520
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 Escanaba
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Escanaba is in ZIP code 49829.
For 2 bedrooms it is $1,010: $4 less than the fair market rent for Delta County ($1,014).
Fair market rent by ZIP code and size in Escanaba, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
49829
$770
$780
$1,010
$1,360
$1,700
ZIP code2 bd3 bd
49829 $1,010$1,360
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Escanaba 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 8 buildings with rents for lower incomes in Escanaba. These are the largest.
Harbor Tower510 1st Ave S, Escanaba 49829176 homes, 175 low-income · Run by Escanaba Housing Commission · Average payment: $407 a month · Average wait: 18 months(906) 786-6229
West Highland2701 1st Ave S, Escanaba 49829135 low-income homes · 1 bd: 123 · 2 bd: 12 · In service since 2019 · For older adults, families(906) 789-0250
Sand Hill Townhomes701 S 26th St, Escanaba 4982975 low-income homes · For families(906) 789-0250
Willowgrove Townhomes850 S 38th St, Escanaba 4982948 low-income homes · 2 bd: 19 · 3 bd: 29 · In service since 2005 · For families
Les Cheneaux Apartments825 S 26th St, Escanaba 4982936 low-income homes · 1 bd: 18 · 2 bd: 6 · 3 bd: 12 · In service since 2017
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 Delta County; none says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Escanaba or Delta County. The ones below are statewide in Michigan: they work in Escanaba the same as in the rest of the state.
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).
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).
No legal help resource on our list is for Escanaba or Delta County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Escanaba and all of Delta 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 Escanaba?
The typical home value in Escanaba is $125,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Delta County it is $157,100.
How much does it cost to rent in Escanaba?
Typical rent in Escanaba is $657 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Delta County is $1,014.
What is the FHA loan limit in Escanaba?
Escanaba uses the FHA limit for all of Delta 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 Escanaba?
The typical homeowner in Escanaba pays $1,843 a year, according to the U.S. Census Bureau. That is 1.47% of the home’s value; in Delta County, the rate is 1.13%.
Where can I find free help to buy or rent in Escanaba?
There is 1 HUD-approved counseling agency with an office in Delta County. They can help you get ready to buy, with your credit, or with rent.
