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City · 27,743 residents · Wayne County, Michigan

Hamtramck , Michigan

In Hamtramck, a typical home is worth $131,000 and typical rent is $989 a month. Compared with all of Wayne County, typical household income is 35% lower, the typical home value is 27% lower, and the share of households that own their home is 6 points lower.

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  • Typical home value

    $131,000

    27% below the county

    43% below Michigan

    • Hamtramck
    • Wayne
    • Michigan

  • Typical rent

    $989a month

    13% below the county

    12% below Michigan

    • Hamtramck
    • Wayne
    • Michigan

  • Typical household income

    $39,293a year

    35% below the county

    46% below Michigan

    • Hamtramck
    • Wayne
    • Michigan

  • Households that own their home

    58%

    6 points below the county

    15 points below Michigan

    • Hamtramck
    • Wayne
    • Michigan

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

Market now, with Zillow data

Zillow data
Typical home value
$168,949
1% more than 12 months ago
Typical rent
$1,151 a month

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

Hamtramck 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

Data updated: October 1, 2026 11 official sources

Only here

What sets Hamtramck apart

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

  1. Nearby, in Highland Park, the typical home value is $79,200: 40% less than in Hamtramck ($131,000).

  2. Hamtramck has the 8th lowest typical household income of the 179 cities in Michigan with more than 5,000 people ($39,293).

  3. Nearby, in Highland Park, the typical rent is $688: 30% less than in Hamtramck ($989).

  4. The typical home in Hamtramck is worth $131,000, 27% less than in Wayne County as a whole ($178,500).

  5. 58% of households in Hamtramck own their home, against 65% in Wayne County.

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

The homes here

Housing in Hamtramck

What homes there are in Hamtramck, 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 Hamtramck, but it weighs less than in Wayne County: 60% against 70%.

Year built

The typical home in Hamtramck was built before 1940, the oldest group the Census tells apart; 86% of homes date from before 1960.

Homes in Hamtramck are smaller: 57% have 3 bedrooms or more; in Wayne County, 64%.

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 Hamtramck are worth less than $500,000, below the FHA loan limit for Wayne County ($541,287).

Monthly rent with utilities

HUD's 2-bedroom fair market rent (FMR) for Wayne County is $1,459; about 90% of rents in Hamtramck are below it.

With a mortgage

$1,218 a month

Wayne County: $1,556 a month

Without a mortgage

$569 a month

Wayne County: $612 a month

Owners with a mortgage

28%

Wayne County: 52%

Owning costs less in Hamtramck: with a mortgage, the typical cost is $1,218 a month; in Wayne County, $1,556. Without one, $569.

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 Hamtramck rose 88% since 2015–2019, more than in Wayne County (58%).

Rents in Hamtramck rose faster than in Wayne County: 36% since 2015–2019, against 29%.

While home values in Hamtramck changed +88% and rent +36%, the typical household income rose 45%.

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

MeasureHamtramckWayne CountyMichiganUnited States
Rental vacancy 9.0%4.6%5.1%5.5%
Homeowner vacancy Unreliable estimate1.5%0.8%0.9%
More than one person per room 13.7%2.2%1.6%3.4%
People per household 3.862.502.422.53
Drive alone 70%72%74%69%
Carpool 14%9%8%9%
Public transit Unreliable estimate2%1%3%
Walk or bike 4%2%2%3%
Work from home 9%14%14%15%
Other means Unreliable estimate2%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

In Hamtramck, the rental vacancy rate is 9.0%; in Wayne County, 4.6%.

More households are short on space in Hamtramck: 13.7% have more than one person per room; in Wayne County, 2.2%.

Households in Hamtramck are bigger: 3.86 people on average; in Wayne County, 2.50.

Carpooling is common in Hamtramck: 14% of workers get to work that way, against 9% in Wayne 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 Hamtramck?

A typical home is tight for the typical income

We start with a typical home in Hamtramck, worth $131,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 35% of the typical household income in Hamtramck, which is $39,293 a year. For that payment to be 28% of income, a household would need to earn about $48,670 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Hamtramck. 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 $4,585 (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

$1,136

at 7.18% · 30 years

Loan amount
$128,627
Total interest
$185,064
Paid off in
November 2056

Includes $2,212 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $917 a month

  • Tight

    $917 to $1,179 a month

    Your payment · 35%

  • Hard

    more than $1,179 a month

Compared with the typical household income in Hamtramck ($39,293 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,136
Principal & interest$871
Property tax$152
Home insurance$55
FHA mortgage insurance (MIP)$58

You need at least $4,585 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

Hamtramck and Wayne County

Hamtramck 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).

Hamtramck's own numbers

Typical home value
$131,000
Typical monthly rent
$989
Typical yearly household income
$39,293
Households that own their home
58%
Effective property tax rate
1.39%

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.

Everything about Wayne County

Buying

Buying a home in Hamtramck

A typical home in Hamtramck is worth $131,000: 27% below the county and 43% below Michigan. With the typical household income in Hamtramck ($39,293 a year), a typical home costs 3.3 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.

  • Hamtramck 3.3 years
  • Wayne 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 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.

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

Hamtramck 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
  • Hamtramck $131,000
  • Wayne $178,500
  • Michigan $231,600
  • United States $332,700
Typical monthly rent
  • Hamtramck $989
  • Wayne $1,132
  • Michigan $1,129
  • United States $1,413
Typical yearly household income
  • Hamtramck $39,293
  • Wayne $60,539
  • Michigan $72,875
  • United States $80,734
See the full table
Hamtramck next to Wayne County and Michigan
Measure Hamtramck Wayne County Michigan U.S.
Typical home value $131,000 $178,500 $231,600 $332,700
Typical monthly rent $989 $1,132 $1,129 $1,413
Typical yearly household income $39,293 $60,539 $72,875 $80,734
Households that own their home 58% 65% 73% 65%
Typical yearly property tax $1,825 $2,904 $2,904 $3,119
Effective property tax rate 1.39% 1.63% 1.25% 0.94%
Renters with high rent for their income 51% 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 Hamtramck

For a typical $131,000 home in Hamtramck, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Hamtramck's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,136a month

    Least cash to close
    Down payment
    $4,585
    Cash to close
    $8,515
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $58

  • Conventional, 5% down $1,112a month

    Down payment
    $6,550
    Cash to close
    $10,480
    Rate
    7.18%
    Mortgage insurance
    PMI · $62

  • Conventional, 20% down, no PMI $916a month

    Down payment
    $26,200
    Cash to close
    $30,130
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,037a month

    Down payment
    $19,650
    Cash to close
    $23,580
    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 Hamtramck and for Wayne County.

Property tax

Effective rate in Hamtramck

1.39%of the home’s value each year

$1,825 a year for the typical owner in Hamtramck.

  • Hamtramck 1.39%
  • Wayne 1.63%
  • 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 Wayne County

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

Homes in the high-risk zone
2%
12,730
Of those, with NFIP insurance
22%
County Michigan U.S.
Homes in the high-risk zone 2% 1.6% 3.5%
Of those, with NFIP insurance 22% 18% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Hamtramck

Typical rent in Hamtramck is $989 a month: 13% below the county. In Hamtramck, 51% 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.

HUD fair market rent for all of Wayne 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 $1,047 $20.13 $41,880
1 bedroom $1,167 $22.44 $46,680
2 bedrooms $1,459 $28.06 $58,360
3 bedrooms $1,777 $34.17 $71,080
4 bedrooms $1,929 $37.10 $77,160

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 Hamtramck

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Hamtramck has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,150 in 48212 to $1,220 in 48211.

None is above the fair market rent for Wayne County ($1,459).

  • 48211 $1,220$1,490
  • 48212 $1,150$1,400

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

HUD lists 2 buildings with rents for lower incomes in Hamtramck. These are the largest.

  • Colonel Hamtramck Homes 12088 Oklahoma St, Hamtramck 48212 300 low-income homes · Run by Hamtramck Housing Commission · Average payment: $280 a month · Average wait: 35 months (313) 868-7445
  • Hamtramck Senior Plaza 2620 Holbrook St, Hamtramck 48212 150 low-income homes · Run by Hamtramck Housing Commission · Average payment: $295 a month · Average wait: 20 months (313) 868-7445

See all 448 buildings in Wayne County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Hamtramck

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.

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Hamtramck

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

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

  • NSC (naca Counseling Subsidiary) - Detroit Mi

    12380 Woodward Ave, Highland Park · 2 miles away · Spanish

    (281) 204-6222

  • WAYNE COUNTY NEIGHBORHOOD LEGAL SERVICES MICHIGAN dba NEIGHBORHOOD LEGAL SERVICES MICHIGAN

    7310 Woodward Ave, Detroit · 2 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    (313) 964-1975

  • Wayne Metropolitan Community Action Agency

    7310 Woodward Ave, Detroit · 2 miles away

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 8 more
    (313) 388-9799

Every agency in Wayne County All counseling agencies in Michigan

Help in Spanish near Hamtramck

1 of the 3 agencies on this list says it serves 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 Hamtramck

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

16 other authorities have an office in Wayne County: see the list Source: HUD

Cities

Other cities in Wayne County

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

Everything about Wayne County Housing in Michigan
See 17 more cities in Wayne County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

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

Neighboring counties

If Wayne 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 Hamtramck.

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

Questions

Housing questions about Hamtramck

Short answers with the numbers for Hamtramck 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 Hamtramck?

The typical home value in Hamtramck is $131,000, 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 Hamtramck?

Typical rent in Hamtramck is $989 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 Hamtramck?

Hamtramck 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 Hamtramck?

The typical homeowner in Hamtramck pays $1,825 a year, according to the U.S. Census Bureau. That is 1.39% of the home’s value; in Wayne County, the rate is 1.63%.

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

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.

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).