In Grand Haven, a typical home is worth $250,100 and typical rent is $939 a month. Compared with all of Ottawa County, typical household income is 33% lower, the typical home value is 23% lower, and the share of households that own their home is 11 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $314,946 to $398,932.
Typical rent
$1,690a month
▲ 6.7% more than 12 months ago
Typical rent from Zillow, June 2024 to September 2026: from $1,504 to $1,690.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Grand Haven is in Ottawa 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 Ottawa County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Muskegon Heights, the typical home value is $68,000: 73% less than in Grand Haven ($250,100).
2
The typical household income in Grand Haven is $60,669,33% less than in Ottawa County as a whole ($90,502).
3
The typical home in Grand Haven is worth $250,100,23% less than in Ottawa County as a whole ($323,400).
4
The typical rent in Grand Haven is $939 a month, 22% less than in Ottawa County as a whole ($1,211).
5
68% of households in Grand Haven own their home, against 79% in Ottawa County.
6
11% of households in Grand Haven have no internet at home (4% in Ottawa County).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Grand Haven
What homes there are in Grand Haven, 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
Grand Haven
Ottawa County
Michigan
United States
Kind of home: Grand Haven and its comparisons
Measure
Grand Haven
Ottawa County
Michigan
United States
Detached house
56%
70%
72%
61%
Attached house
8%
8%
5%
6%
Building of 2 to 4
13%
6%
5%
8%
Apartments (5 or more)
16%
11%
13%
19%
Mobile home
7%
5%
5%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is still the most common home in Grand Haven, but it weighs less than in Ottawa County: 56% against 70%.
Year built
Before 19601960–19791980–19992000–20092010 or later
Grand Haven
Ottawa County
Michigan
United States
Year built: Grand Haven and its comparisons
Measure
Grand Haven
Ottawa County
Michigan
United States
Before 1960
48%
19%
36%
26%
1960–1979
24%
21%
26%
24%
1980–1999
12%
30%
22%
25%
2000–2009
7%
15%
10%
14%
2010 or later
9%
15%
6%
11%
The typical home in Grand Haven was built in 1961, 27 years before the typical one in Ottawa County.
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 $100K13%
$100K–$200K16%
$200K–$300K33%
$300K–$500K19%
$500K–$750K10%
FHA limit: $541,287
$750K–$1M7%
$1M or moreUnreliable
Value of owner-occupied homes: Grand Haven and its comparisons
Measure
Grand Haven
Under $100K
13%
$100K–$200K
16%
$200K–$300K
33%
$300K–$500K
19%
$500K–$750K
10%
$750K–$1M
7%
$1M or more
Unreliable estimate
About 83% of owner-occupied homes in Grand Haven are worth less than the FHA loan limit for Ottawa County ($541,287).
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99949%
$1,000–$1,49933%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Grand Haven and its comparisons
Measure
Grand Haven
Under $500
Unreliable estimate
$500–$999
49%
$1,000–$1,499
33%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable
With a mortgage
$1,436 a month
Ottawa County: $1,656 a month
Without a mortgage
$620 a month
Ottawa County: $607 a month
Owners with a mortgage
56%
Ottawa County: 61%
The typical cost for an owner with a mortgage in Grand Haven is $1,436 a month, less than in Ottawa County ($1,656); without one, $620.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Grand Haven+55%
Ottawa County+69%
Michigan+50%
United States+53%
Typical rent
Grand Haven+21%
Ottawa County+35%
Michigan+30%
United States+33%
Typical household income
Grand HavenNo clear change
Ottawa County+31%
Michigan+28%
United States+29%
Change since 2015–2019: Grand Haven and its comparisons
Measure
Grand Haven
Ottawa County
Michigan
United States
Typical home value
+55%
+69%
+50%
+53%
Typical rent
+21%
+35%
+30%
+33%
Typical household income
No clear change
+31%
+28%
+29%
The typical home value in Grand Haven rose 55% since 2015–2019, less than in Ottawa County (69%).
Since 2015–2019, the typical rent in Grand Haven rose 21%, less than in Ottawa County (35%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Grand Haven and its comparisons
Measure
Grand Haven
Ottawa County
Michigan
United States
Rental vacancy
Unreliable estimate
3.2%
5.1%
5.5%
Homeowner vacancy
Unreliable estimate
0.5%
0.8%
0.9%
More than one person per room
Unreliable estimate
1.6%
1.6%
3.4%
People per household
1.95
2.61
2.42
2.53
Drive alone
76%
77%
74%
69%
Carpool
Unreliable estimate
8%
8%
9%
Public transit
Unreliable estimate
0%
1%
3%
Walk or bike
Unreliable estimate
3%
2%
3%
Work from home
11%
10%
14%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
Fewer people live in each home here: 1.95 on average, against 2.61 in Ottawa County.
The car rules in Grand Haven: 76% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.
Do the math
What would you pay each month for a home in Grand Haven?
A typical home costs more than the typical income allows
We start with a typical home in Grand Haven, worth $250,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 43% of the typical household income in Grand Haven, which is $60,669 a year. For that payment to be 28% of income, a household would need to earn about $92,651 a year.
The calculator's FHA and conventional loan limits are those of all of Ottawa 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 Grand Haven. 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 $8,754 (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
$2,162
at 7.18% · 30 years
Loan amount
$245,570
Total interest
$353,317
Paid off in
November 2056
Includes $4,224 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,416 a month
Tight
$1,416 to $1,820 a month
Hard
more than $1,820 a month
Your payment · 43%
Compared with the typical household income in Grand Haven ($60,669 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,664
Property tax
$283
Home insurance
$104
FHA mortgage insurance (MIP)
$111
You need at least $8,754 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 $2,162; principal and interest $1,664.
The city and its county
Grand Haven and Ottawa County
Grand Haven is in Ottawa 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).
Grand Haven
Map of Ottawa County, Michigan, with Grand Haven marked. Around it, the neighboring counties.
Grand Haven
Ottawa County
Other cities with a page
Grand Haven's own numbers
Typical home value
$250,100
Typical monthly rent
$939
Typical yearly household income
$60,669
Households that own their home
68%
Effective property tax rate
1.36%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Ottawa County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,546
Price change over 5 years (FHFA)
+59%
Homes in a high flood-risk zone
1.1%
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 Ottawa County.
A typical home in Grand Haven is worth $250,100: 23% below the county and 8% above Michigan. With the typical household income in Grand Haven ($60,669 a year), a typical home costs 4.1 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.
Grand Haven4.1 years
Ottawa3.6 years
Michigan3.2 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Ottawa County
According to FHFA’s house price index, home prices in Ottawa County rose 118% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Ottawa County.
Yearly change in FHFA’s price index in Ottawa County, 2016 to 2025
2016: +7.2% +7.2% 2016
2017: +7.9% +7.9% 2017
2018: +7.9% +7.9% 2018
2019: +5.3% +5.3% 2019
2020: +3.9% +3.9% 2020
2021: +12.4% +12.4% 2021
2022: +16.6% +16.6% 2022
2023: +8.0% +8.0% 2023
2024: +7.7% +7.7% 2024
2025: +4.7% +4.7% 2025
Change in FHFA’s price index in Ottawa County, Michigan and the United States
Period
County
Michigan
U.S.
Last year (2025)
+4.7%
+4.7%
+2.9%
5 years (2020–2025)
+59%
+52%
+47%
10 years (2015–2025)
+118%
+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
Grand Haven next to Ottawa 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
Grand Haven$250,100
Ottawa$323,400
Michigan$231,600
United States$332,700
Typical monthly rent
Grand Haven$939
Ottawa$1,211
Michigan$1,129
United States$1,413
Typical yearly household income
Grand Haven$60,669
Ottawa$90,502
Michigan$72,875
United States$80,734
See the full table
Grand Haven next to Ottawa County and Michigan
Measure
Grand Haven
Ottawa County
Michigan
U.S.
Typical home value
$250,100 ▼23% below the county
$323,400
$231,600
$332,700
Typical monthly rent
$939 ▼22% below the county
$1,211
$1,129
$1,413
Typical yearly household income
$60,669 ▼33% below the county
$90,502
$72,875
$80,734
Households that own their home
68% ▼11 points below the county
79%
73%
65%
Typical yearly property tax
$3,401 ▲3% above the county
$3,313
$2,904
$3,119
Effective property tax rate
1.36% ▲0.34 points above the county
1.02%
1.25%
0.94%
Renters with high rent for their income
49%
49%
50%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Ottawa 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 Grand Haven
For a typical $250,100 home in Grand Haven, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Grand Haven's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,162a month
Least cash to close
Down payment
$8,754
Cash to close
$16,257
Rate
7.18%
Mortgage insurance
FHA MIP · $111
Conventional, 5% down$2,116a month
Down payment
$12,505
Cash to close
$20,008
Rate
7.18%
Mortgage insurance
PMI · $119
Conventional, 20% down, no PMI$1,743a month
Down payment
$50,020
Cash to close
$57,523
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,974a month
Down payment
$37,515
Cash to close
$45,018
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Grand Haven
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,162
$8,754
$245,570
7.18%
FHA MIP · $111
$16,257
580
Conventional, 5% down
$2,116
$12,505
$237,595
7.18%
PMI · $119
$20,008
620*
Conventional, 20% down, no PMI
$1,743
$50,020
$200,080
7.18%
None
$57,523
620*
ITIN, 15% down (example)
$1,974
$37,515
$212,585
8.18%
None
$45,018
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 Grand Haven is $939 a month: 22% below the county. In Grand Haven, 49% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Ottawa County, by unit size. To pay the 2-bedroom one ($1,546 a month) without spending more than 30% of your income, you would need to earn $29.73 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 Ottawa County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,077
$20.71
$43,080
1 bedroom
$1,357
$26.10
$54,280
2 bedrooms
$1,546
$29.73
$61,840
3 bedrooms
$1,947
$37.44
$77,880
4 bedrooms
$2,306
$44.35
$92,240
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 Grand Haven
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Grand Haven is in ZIP code 49417.
For 2 bedrooms it is $1,480: $66 less than the fair market rent for Ottawa County ($1,546).
Fair market rent by ZIP code and size in Grand Haven, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
49417
$1,030
$1,300
$1,480
$1,860
$2,210
ZIP code2 bd3 bd
49417 $1,480$1,860
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Grand Haven 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 3 buildings with rents for lower incomes in Grand Haven. These are the largest.
Pinewood Place/Pinewood Apartments1500 S Ferry St, Grand Haven 49417124 low-income homes · For families
Ottawa County Supportive Housing Project309 N Despelder St, Grand Haven 4941745 low-income homes · 1 bd: 16 · 2 bd: 19 · 3 bd: 10 · In service since 2008 · For families
The Villages at the Pines1450 S Ferry St, Grand Haven 4941788 homes, 40 low-income · 1 bd: 42 · 2 bd: 46 · In service since 2012 · For older adults
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 Ottawa County; 1 says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Grand Haven or Ottawa County. The ones below are statewide in Michigan: they work in Grand Haven 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 Grand Haven or Ottawa 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 Grand Haven and all of Ottawa 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 Grand Haven?
The typical home value in Grand Haven is $250,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Ottawa County it is $323,400.
How much does it cost to rent in Grand Haven?
Typical rent in Grand Haven is $939 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Ottawa County is $1,546.
What is the FHA loan limit in Grand Haven?
Grand Haven uses the FHA limit for all of Ottawa 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 Grand Haven?
The typical homeowner in Grand Haven pays $3,401 a year, according to the U.S. Census Bureau. That is 1.36% of the home’s value; in Ottawa County, the rate is 1.02%.
Where can I find free help to buy or rent in Grand Haven?
There are 2 HUD-approved counseling agencies with an office in Ottawa County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.
