In Garden City, a typical home is worth $168,800 and typical rent is $1,150 a month. Compared with all of Wayne County, typical household income is 11% higher, the typical home value is 5% lower, and the share of households that own their home is 14 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $161,914 to $201,351.
Typical rent
$1,711a month
Typical rent from Zillow, December 2025 to September 2026: from $1,679 to $1,711.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Garden City 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
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: 52% less than in Garden City ($168,800).
2
79% of households in Garden City own their home, against 65% in Wayne County.
3
Nearby, in Wayne, the typical rent is $974: 15% less than in Garden City ($1,150).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Garden City
What homes there are in Garden City, 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
Garden City
Wayne County
Michigan
United States
Kind of home: Garden City and its comparisons
Measure
Garden City
Wayne County
Michigan
United States
Detached house
89%
70%
72%
61%
Attached house
Unreliable estimate
6%
5%
6%
Building of 2 to 4
Unreliable estimate
7%
5%
8%
Apartments (5 or more)
9%
16%
13%
19%
Mobile home
Unreliable estimate
2%
5%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
In Garden City, 9 in 10 homes are single-family detached houses; in Wayne County, 7.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Garden City
Wayne County
Michigan
United States
Year built: Garden City and its comparisons
Measure
Garden City
Wayne County
Michigan
United States
Before 1960
69%
59%
36%
26%
1960–1979
24%
21%
26%
24%
1980–1999
5%
11%
22%
25%
2000–2009
2%
6%
10%
14%
2010 or later
Unreliable estimate
3%
6%
11%
In Garden City, half of the homes were built before 1956; in Wayne County, before 1956.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K10%
$100K–$200K64%
$200K–$300K22%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Garden City and its comparisons
Measure
Garden City
Under $100K
10%
$100K–$200K
64%
$200K–$300K
22%
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99931%
$1,000–$1,49935%
$1,500–$1,99925%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Garden City and its comparisons
Measure
Garden City
Under $500
Unreliable estimate
$500–$999
31%
$1,000–$1,499
35%
$1,500–$1,999
25%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,326 a month
Wayne County: $1,556 a month
Without a mortgage
$610 a month
Wayne County: $612 a month
Owners with a mortgage
60%
Wayne County: 52%
The typical cost for an owner with a mortgage in Garden City is $1,326 a month, less than in Wayne County ($1,556); without one, $610.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Garden City+52%
Wayne County+58%
Michigan+50%
United States+53%
Typical rent
Garden City+11%
Wayne County+29%
Michigan+30%
United States+33%
Typical household income
Garden City+19%
Wayne County+28%
Michigan+28%
United States+29%
Change since 2015–2019: Garden City and its comparisons
Measure
Garden City
Wayne County
Michigan
United States
Typical home value
+52%
+58%
+50%
+53%
Typical rent
+11%
+29%
+30%
+33%
Typical household income
+19%
+28%
+28%
+29%
The typical home value in Garden City rose 52% since 2015–2019, less than in Wayne County (58%).
The typical rent in Garden City rose 11% over the same time; in Wayne County, it rose 29%.
The typical household income in Garden City rose 19% over that time; home values changed +52% and rent +11%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Garden City and its comparisons
Measure
Garden City
Wayne County
Michigan
United States
Rental vacancy
Unreliable estimate
4.6%
5.1%
5.5%
Homeowner vacancy
Unreliable estimate
1.5%
0.8%
0.9%
More than one person per room
Unreliable estimate
2.2%
1.6%
3.4%
People per household
2.42
2.50
2.42
2.53
Drive alone
79%
72%
74%
69%
Carpool
9%
9%
8%
9%
Public transit
Unreliable estimate
2%
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
10%
14%
14%
15%
Other means
Unreliable estimate
2%
1%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
A household in Garden City has 2.42 people on average, about the same as in Wayne County (2.50).
To get to work, 79% of workers in Garden City drive alone; in Wayne County, 72%.
Do the math
What would you pay each month for a home in Garden City?
A typical home is within reach of the typical income
We start with a typical home in Garden City, worth $168,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 27% of the typical household income in Garden City, which is $67,294 a year.
The calculator's FHA and conventional loan limits are those of all of Wayne 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 Garden City. 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 $5,908 (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
$1,521
at 7.18% · 30 years
Loan amount
$165,743
Total interest
$238,465
Paid off in
November 2056
Includes $2,851 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,570 a month
Your payment · 27%
Tight
$1,570 to $2,019 a month
Hard
more than $2,019 a month
Compared with the typical household income in Garden City ($67,294 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,123
Property tax
$253
Home insurance
$70
FHA mortgage insurance (MIP)
$75
You need at least $5,908 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 $1,521; principal and interest $1,123.
The city and its county
Garden City and Wayne County
Garden City 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).
Garden City
Map of Wayne County, Michigan, with Garden City marked. Around it, the neighboring counties.
Garden City
Wayne County
Other cities with a page
Garden City's own numbers
Typical home value
$168,800
Typical monthly rent
$1,150
Typical yearly household income
$67,294
Households that own their home
79%
Effective property tax rate
1.8%
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.
A typical home in Garden City is worth $168,800: 5% below the county and 27% below Michigan. With the typical household income in Garden City ($67,294 a year), a typical home costs 2.5 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.
Garden City2.5 years
Wayne2.9 years
Michigan3.2 years
United States4.1 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.
Yearly change in FHFA’s price index in Wayne County, 2016 to 2025
2016: +5.9% +5.9% 2016
2017: +7.1% +7.1% 2017
2018: +6.8% +6.8% 2018
2019: +4.7% +4.7% 2019
2020: +3.7% +3.7% 2020
2021: +11.3% +11.3% 2021
2022: +12.0% +12.0% 2022
2023: +6.5% +6.5% 2023
2024: +7.0% +7.0% 2024
2025: +5.3% +5.3% 2025
Change in FHFA’s price index in Wayne County, Michigan and the United States
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
Garden City 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
Garden City$168,800
Wayne$178,500
Michigan$231,600
United States$332,700
Typical monthly rent
Garden City$1,150
Wayne$1,132
Michigan$1,129
United States$1,413
Typical yearly household income
Garden City$67,294
Wayne$60,539
Michigan$72,875
United States$80,734
See the full table
Garden City next to Wayne County and Michigan
Measure
Garden City
Wayne County
Michigan
U.S.
Typical home value
$168,800 ▼5% below the county
$178,500
$231,600
$332,700
Typical monthly rent
$1,150
$1,132
$1,129
$1,413
Typical yearly household income
$67,294 ▲11% above the county
$60,539
$72,875
$80,734
Households that own their home
79% ▲14 points above the county
65%
73%
65%
Typical yearly property tax
$3,046 ▲5% above the county
$2,904
$2,904
$3,119
Effective property tax rate
1.8% ▲0.17 points above the county
1.63%
1.25%
0.94%
Renters with high rent for their income
42% ▼12 points below the county
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 Garden City
For a typical $168,800 home in Garden City, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Garden City's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,521a month
Least cash to close
Down payment
$5,908
Cash to close
$10,972
Rate
7.18%
Mortgage insurance
FHA MIP · $75
Conventional, 5% down$1,490a month
Down payment
$8,440
Cash to close
$13,504
Rate
7.18%
Mortgage insurance
PMI · $80
Conventional, 20% down, no PMI$1,238a month
Down payment
$33,760
Cash to close
$38,824
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,394a month
Down payment
$25,320
Cash to close
$30,384
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Garden City
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,521
$5,908
$165,743
7.18%
FHA MIP · $75
$10,972
580
Conventional, 5% down
$1,490
$8,440
$160,360
7.18%
PMI · $80
$13,504
620*
Conventional, 20% down, no PMI
$1,238
$33,760
$135,040
7.18%
None
$38,824
620*
ITIN, 15% down (example)
$1,394
$25,320
$143,480
8.18%
None
$30,384
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 Garden City is $1,150 a month: about the same as the county. In Garden City, 42% 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.
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.
No down payment, repair or rent-help program on our list is for Garden City or Wayne County. The ones below are statewide in Michigan: they work in Garden City 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 Garden City or Wayne 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 Garden City 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 Garden City?
The typical home value in Garden City is $168,800, 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 Garden City?
Typical rent in Garden City is $1,150 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 Garden City?
Garden City 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 Garden City?
The typical homeowner in Garden City pays $3,046 a year, according to the U.S. Census Bureau. That is 1.8% of the home’s value; in Wayne County, the rate is 1.63%.
Where can I find free help to buy or rent in Garden City?
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.
