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City · 80,175 residents · Genesee County, Michigan

Flint , Michigan

In Flint, a typical home is worth $53,500 and typical rent is $915 a month. Compared with all of Genesee County, the typical home value is 71% lower, typical household income is 40% lower, and the share of households that own their home is 17 points lower.

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  • Typical home value

    $53,500

    71% below the county

    77% below Michigan

    • Flint
    • Genesee
    • Michigan

  • Typical rent

    $915a month

    7% below the county

    19% below Michigan

    • Flint
    • Genesee
    • Michigan

  • Typical household income

    $37,646a year

    40% below the county

    48% below Michigan

    • Flint
    • Genesee
    • Michigan

  • Households that own their home

    54%

    17 points below the county

    19 points below Michigan

    • Flint
    • Genesee
    • Michigan

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

Market now, with Zillow data

Zillow data
Typical home value
$64,412
about the same as 12 months ago
Typical rent
$927 a month
5.8% more than 12 months ago

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

Flint 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 Flint apart

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

  1. Flint has the 2nd lowest typical home value of the 179 cities in Michigan with more than 5,000 people ($53,500).

  2. Flint has the 5th lowest typical household income of the 179 cities in Michigan with more than 5,000 people ($37,646).

  3. 54% of households in Flint own their home, against 71% in Genesee County.

  4. According to Zillow, in the 12 months to September 2026 the typical home value in Flint barely changed; in Michigan, it rose 3.8%.

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

The homes here

Housing in Flint

What homes there are in Flint, 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 houses, standing on their own, make up 81% of homes here, against 74% in Genesee County.

Year built

Homes in Flint are older: the typical year built is 1954; in Genesee County, 1969.

Homes in Flint are smaller: 56% have 3 bedrooms or more; in Genesee County, 65%.

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 99% of owner-occupied homes in Flint are worth less than $500,000, below the FHA loan limit for Genesee County ($541,287).

Monthly rent with utilities

By rent, most homes in Flint cost less than HUD's 2-bedroom fair market rent ($1,133): about 70%.

With a mortgage

$1,102 a month

Genesee County: $1,455 a month

Without a mortgage

$488 a month

Genesee County: $583 a month

Owners with a mortgage

35%

Genesee County: 57%

Owning costs less in Flint: with a mortgage, the typical cost is $1,102 a month; in Genesee County, $1,455. Without one, $488.

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

The typical home value in Flint rose 81% since 2015–2019, more than in Genesee County (64%).

Rents in Flint rose at about the same pace as in Genesee County: 28% since 2015–2019, against 29%.

While home values in Flint changed +81% and rent +28%, the typical household income rose 31%.

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

MeasureFlintGenesee CountyMichiganUnited States
Rental vacancy 2.6%3.2%5.1%5.5%
Homeowner vacancy Unreliable estimate0.7%0.8%0.9%
More than one person per room 2.1%1.3%1.6%3.4%
People per household 2.252.382.422.53
Drive alone 72%79%74%69%
Carpool 14%9%8%9%
Public transit 3%1%1%3%
Walk or bike 2%1%2%3%
Work from home 9%10%14%15%
Other means Unreliable estimate1%1%2%
Typical commute 10 to 19 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in Genesee County, the rental vacancy rate in Flint is 2.6%.

Much as in Genesee County, 2.1% of households in Flint have more than one person per room.

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

More people carpool to work in Flint than in Genesee County: 14% against 9%.

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 Flint?

A typical home is within reach of the typical income

We start with a typical home in Flint, worth $53,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 16% of the typical household income in Flint, which is $37,646 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 Flint. 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 $1,873 (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

$494

at 7.18% · 30 years

Loan amount
$52,530
Total interest
$75,579
Paid off in
November 2056

Includes $903 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $878 a month

    Your payment · 16%

  • Tight

    $878 to $1,129 a month

  • Hard

    more than $1,129 a month

Compared with the typical household income in Flint ($37,646 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$494
Principal & interest$356
Property tax$92
Home insurance$22
FHA mortgage insurance (MIP)$24

You need at least $1,873 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

Flint and Genesee County

Flint 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).

Flint's own numbers

Typical home value
$53,500
Typical monthly rent
$915
Typical yearly household income
$37,646
Households that own their home
54%
Effective property tax rate
2.07%

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 Flint

A typical home in Flint is worth $53,500: 71% below the county and 77% below Michigan. With the typical household income in Flint ($37,646 a year), a typical home costs 1.4 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.

  • Flint 1.4 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

Flint 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
  • Flint $53,500
  • Genesee $182,400
  • Michigan $231,600
  • United States $332,700
Typical monthly rent
  • Flint $915
  • Genesee $989
  • Michigan $1,129
  • United States $1,413
Typical yearly household income
  • Flint $37,646
  • Genesee $62,281
  • Michigan $72,875
  • United States $80,734
See the full table
Flint next to Genesee County and Michigan
Measure Flint Genesee County Michigan U.S.
Typical home value $53,500 $182,400 $231,600 $332,700
Typical monthly rent $915 $989 $1,129 $1,413
Typical yearly household income $37,646 $62,281 $72,875 $80,734
Households that own their home 54% 71% 73% 65%
Typical yearly property tax $1,106 $2,487 $2,904 $3,119
Effective property tax rate 2.07% 1.36% 1.25% 0.94%
Renters with high rent for their income 59% 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 Flint

For a typical $53,500 home in Flint, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Flint's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $494a month

    Least cash to close
    Down payment
    $1,873
    Cash to close
    $3,478
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $24

  • Conventional, 5% down $484a month

    Down payment
    $2,675
    Cash to close
    $4,280
    Rate
    7.18%
    Mortgage insurance
    PMI · $25

  • Conventional, 20% down, no PMI $405a month

    Down payment
    $10,700
    Cash to close
    $12,305
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $454a month

    Down payment
    $8,025
    Cash to close
    $9,630
    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 Flint and for Genesee County.

Property tax

Effective rate in Flint

2.07%of the home’s value each year

$1,106 a year for the typical owner in Flint.

  • Flint 2.07%
  • 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 Flint

Typical rent in Flint is $915 a month: 7% below the county. In Flint, 59% 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 Flint

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Flint has 5 ZIP codes with their own.

For 2 bedrooms it runs from $1,010 in 48505 to $1,130 in 48507.

None is above the fair market rent for Genesee County ($1,133).

  • 48502 $1,090$1,340
  • 48503 $1,060$1,300
  • 48505 $1,010$1,250
  • 48506 $1,080$1,330
  • 48507 $1,130$1,390

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

HUD lists 41 buildings with rents for lower incomes in Flint. These are the largest.

  • Mach 1 3800 Richfield Rd, Flint 48506 389 low-income homes · For families (248) 833-0550
  • Midway Square Townhomes 3102 Fox Cir, Flint 48507 365 homes, 363 low-income · For families (810) 743-3870
  • River Village 702 Father Dukette Blvd, Flint 48503 340 low-income homes · 1 bd: 190 · 2 bd: 122 · 3 bd: 28 · In service since 2012 · For older adults, families (810) 232-4546
  • Richert Manor 902 E Court St, Flint 48503 195 low-income homes · Run by Flint Housing Commission · Average payment: $234 a month · Average wait: 26 months (810) 736-3050
  • River Park 7144 Yorkshire Dr, Flint 48505 180 low-income homes · Run by Flint Housing Commission · Average payment: $241 a month · Average wait: 48 months (810) 736-3050

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

Free help

Help to buy or rent in Flint

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.

A grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Flint

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

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

  • Genesee County Habitat for Humanity

    101 Burton St, Flint · 0 miles away

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

  • Metro Community Development, Inc.

    1174 Robert T Longway Blvd, Flint · 0 miles away

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

  • Oakland County Housing Counseling

    1200 N Telegraph Rd, Pontiac · 31 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 Flint

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 Flint

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

  • Flint Housing Commission Public housing and Section 8 vouchers (810) 736-3050

All housing agencies in Michigan 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 Flint, 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 Flint.

All guides
Two girls write and draw together at the living-room table.

Questions

Housing questions about Flint

Short answers with the numbers for Flint 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 Flint?

The typical home value in Flint is $53,500, 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 Flint?

Typical rent in Flint is $915 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 Flint?

Flint 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 Flint?

The typical homeowner in Flint pays $1,106 a year, according to the U.S. Census Bureau. That is 2.07% of the home’s value; in Genesee County, the rate is 1.36%.

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

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).