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City · 11,906 residents · Genesee County, Michigan

Fenton , Michigan

In Fenton, a typical home is worth $235,900 and typical rent is $1,275 a month. Compared with all of Genesee County, the typical home value is 29% higher, typical rent is 29% higher, and the share of households that own their home is 8 points lower.

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  • Typical home value

    $235,900

    29% above the county

    About the same as Michigan

    • Fenton
    • Genesee
    • Michigan

  • Typical rent

    $1,275a month

    29% above the county

    13% above Michigan

    • Fenton
    • Genesee
    • Michigan

  • Typical household income

    $80,000a year

    28% above the county

    10% above Michigan

    • Fenton
    • Genesee
    • Michigan

  • Households that own their home

    63%

    8 points below the county

    10 points below Michigan

    • Fenton
    • Genesee
    • Michigan

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

Market now, with Zillow data

Zillow data
Typical home value
$364,070
2.9% more than 12 months ago
Typical rent
$1,479 a month
5.9% more than 12 months ago

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

Fenton is in Genesee 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 Genesee County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Fenton apart

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

  1. Nearby, in Burton, the typical home value is $141,600: 40% less than in Fenton ($235,900).

  2. Nearby, in Grand Blanc, the typical rent is $919: 28% less than in Fenton ($1,275).

  3. The typical home in Fenton is worth $235,900, 29% more than in Genesee County as a whole ($182,400).

  4. The typical rent in Fenton is $1,275 a month, 29% more than in Genesee County as a whole ($989).

  5. The typical household income in Fenton is $80,000, 28% more than in Genesee County as a whole ($62,281).

  6. 63% of households in Fenton own their home, against 71% in Genesee County.

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

The homes here

Housing in Fenton

What homes there are in Fenton, 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 is still the most common home in Fenton, but it weighs less than in Genesee County: 59% against 74%.

Year built

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 limit for Genesee County is high ($541,287): at least 96% of owner-occupied homes in Fenton are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,487 a month

Genesee County: $1,455 a month

Without a mortgage

$640 a month

Genesee County: $583 a month

Owners with a mortgage

68%

Genesee County: 57%

The typical cost for an owner with a mortgage in Fenton is $1,487 a month, near the figure in Genesee County ($1,455).

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

Much as in Genesee County, the typical home value in Fenton rose 63% since 2015–2019.

The typical rent in Fenton rose 24% over the same time; in Genesee County, it rose 29%.

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

MeasureFentonGenesee CountyMichiganUnited States
Rental vacancy Unreliable estimate3.2%5.1%5.5%
Homeowner vacancy Unreliable estimate0.7%0.8%0.9%
More than one person per room Unreliable estimate1.3%1.6%3.4%
People per household 2.252.382.422.53
Drive alone 76%79%74%69%
Carpool Unreliable estimate9%8%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 16%10%14%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Fenton has 2.25 people, fewer than in Genesee County (2.38).

Working from home is more common in Fenton: 16%, against 10% in Genesee 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 Fenton?

A typical home is tight for the typical income

We start with a typical home in Fenton, worth $235,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 30% of the typical household income in Fenton, which is $80,000 a year. For that payment to be 28% of income, a household would need to earn about $86,463 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Fenton. 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 $8,257 (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

$2,018

at 7.18% · 30 years

Loan amount
$231,627
Total interest
$333,257
Paid off in
November 2056

Includes $3,984 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,867 a month

  • Tight

    $1,867 to $2,400 a month

    Your payment · 30%

  • Hard

    more than $2,400 a month

Compared with the typical household income in Fenton ($80,000 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,018
Principal & interest$1,569
Property tax$246
Home insurance$98
FHA mortgage insurance (MIP)$104

You need at least $8,257 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

Fenton and Genesee County

Fenton is in Genesee 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).

Fenton's own numbers

Typical home value
$235,900
Typical monthly rent
$1,275
Typical yearly household income
$80,000
Households that own their home
63%
Effective property tax rate
1.25%

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

Numbers for all of Genesee County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,133
Price change over 5 years (FHFA)
+48%
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 Genesee County.

Everything about Genesee County

Buying

Buying a home in Fenton

A typical home in Fenton is worth $235,900: 29% above the county and about the same as Michigan. With the typical household income in Fenton ($80,000 a year), a typical home costs 2.9 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.

  • Fenton 2.9 years
  • Genesee 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 Genesee County

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

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

Period County Michigan U.S.
Last year (2025) +5.0% +4.7% +2.9%
5 years (2020–2025) +48% +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

Fenton next to Genesee 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
  • Fenton $235,900
  • Genesee $182,400
  • Michigan $231,600
  • United States $332,700
Typical monthly rent
  • Fenton $1,275
  • Genesee $989
  • Michigan $1,129
  • United States $1,413
Typical yearly household income
  • Fenton $80,000
  • Genesee $62,281
  • Michigan $72,875
  • United States $80,734
See the full table
Fenton next to Genesee County and Michigan
Measure Fenton Genesee County Michigan U.S.
Typical home value $235,900 $182,400 $231,600 $332,700
Typical monthly rent $1,275 $989 $1,129 $1,413
Typical yearly household income $80,000 $62,281 $72,875 $80,734
Households that own their home 63% 71% 73% 65%
Typical yearly property tax $2,955 $2,487 $2,904 $3,119
Effective property tax rate 1.25% 1.36% 1.25% 0.94%
Renters with high rent for their income 50% 53% 50% 51%

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

For a typical $235,900 home in Fenton, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Fenton's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,017a month

    Least cash to close
    Down payment
    $8,257
    Cash to close
    $15,334
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $104

  • Conventional, 5% down $1,974a month

    Down payment
    $11,795
    Cash to close
    $18,872
    Rate
    7.18%
    Mortgage insurance
    PMI · $112

  • Conventional, 20% down, no PMI $1,622a month

    Down payment
    $47,180
    Cash to close
    $54,257
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,841a month

    Down payment
    $35,385
    Cash to close
    $42,462
    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 Fenton and for Genesee County.

Property tax

Effective rate in Fenton

1.25%of the home’s value each year

$2,955 a year for the typical owner in Fenton.

  • Fenton 1.25%
  • Genesee 1.36%
  • 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 Genesee County

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

Homes in the high-risk zone
0.7%
1,058
Of those, with NFIP insurance
20%
County Michigan U.S.
Homes in the high-risk zone 0.7% 1.6% 3.5%
Of those, with NFIP insurance 20% 18% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Fenton

Typical rent in Fenton is $1,275 a month: 29% above the county. In Fenton, 50% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Genesee County, by unit size. To pay the 2-bedroom one ($1,133 a month) without spending more than 30% of your income, you would need to earn $21.79 an hour working full time.

HUD fair market rent for all of Genesee 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 $792 $15.23 $31,680
1 bedroom $939 $18.06 $37,560
2 bedrooms $1,133 $21.79 $45,320
3 bedrooms $1,391 $26.75 $55,640
4 bedrooms $1,613 $31.02 $64,520

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 Fenton

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Fenton is in ZIP code 48430.

For 2 bedrooms it is $1,580: $447 more than the fair market rent for Genesee County ($1,133).

  • 48430 $1,580$2,040

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

HUD lists 5 buildings with rents for lower incomes in Fenton. These are the largest.

  • Dauner Haus 428 Dauner Haus St, Fenton 48430 151 homes, 150 low-income · 1 bd: 90 · 2 bd: 45 · 3 bd: 16 · In service since 2008 · For older adults, families
  • Dauner Haus 400 Dauner Haus St, Fenton 48430 150 low-income homes · For older adults (810) 629-7140
  • Millpond Manor 201 E Elizabeth St, Fenton 48430 65 homes, 64 low-income · 1 bd: 58 · 2 bd: 7 · In service since 1996
  • Dauner Haus II 500 Dauner Haus St, Fenton 48430 41 low-income homes · 1 bd: 31 · 2 bd: 10 · In service since 1997
  • Lockwood of Fenton 16300 Silver Pkwy, Fenton 48430 44 homes

See all 75 buildings in Genesee County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Fenton

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 Genesee County; none says it serves in Spanish.

An older woman smiles in front of her apartment building.

HUD counseling is free or low-cost

Assistance programs in Fenton

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

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

  • Metro Community Development, Inc.

    1174 Robert T Longway Blvd, Flint · 16 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 3 more
    810-767-4622-370

  • Genesee County Habitat for Humanity

    101 Burton St, Flint · 16 miles away

    • Fair housing pre-purchase workshops
    • Pre-purchase counseling
    • and 2 more
    (810) 766-9089

  • Oakland County Housing Counseling

    1200 N Telegraph Rd, Pontiac · 22 miles away

    • Mortgage delinquency and default
    • Home improvement and repairs
    • and 4 more
    (248) 858-5402

Every agency in Genesee County All counseling agencies in Michigan

Help in Spanish near Fenton

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 Fenton

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

One other authority has an office in Genesee County: see the list Source: HUD

Cities

Other cities in Genesee County

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

Everything about Genesee County Housing in Michigan

Nearby cities

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

Neighboring counties

If Genesee 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 Fenton.

All guides
A father smiles as he carries his baby on his shoulders outdoors.

Questions

Housing questions about Fenton

Short answers with the numbers for Fenton and all of Genesee 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 Fenton?

The typical home value in Fenton is $235,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Genesee County it is $182,400.

How much does it cost to rent in Fenton?

Typical rent in Fenton is $1,275 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Genesee County is $1,133.

What is the FHA loan limit in Fenton?

Fenton uses the FHA limit for all of Genesee 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 Fenton?

The typical homeowner in Fenton pays $2,955 a year, according to the U.S. Census Bureau. That is 1.25% of the home’s value; in Genesee County, the rate is 1.36%.

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

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