In Harper Woods, a typical home is worth $157,200 and typical rent is $1,351 a month. Compared with all of Wayne County, typical rent is 19% higher and the typical home value is 12% lower.
Typical home value from Zillow, September 2021 to September 2026: from $126,373 to $150,088.
Typical rent
$1,369a month
▲ 2.6% more than 12 months ago
Typical rent from Zillow, June 2022 to September 2026: from $1,083 to $1,369.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Harper Woods 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
According to Zillow, in the 12 months to September 2026 the typical home value in Harper Woods fell 1.2%; in Michigan, it rose 3.8%.
2
The typical rent in Harper Woods is $1,351 a month, 19% more than in Wayne County as a whole ($1,132).
Sources: Zillow (September 2026 data); U.S. Census Bureau (Average 2020–2024). Zillow data
The homes here
Housing in Harper Woods
What homes there are in Harper Woods, 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
Harper Woods
Wayne County
Michigan
United States
Kind of home: Harper Woods and its comparisons
Measure
Harper Woods
Wayne County
Michigan
United States
Detached house
84%
70%
72%
61%
Attached house
Unreliable estimate
6%
5%
6%
Building of 2 to 4
5%
7%
5%
8%
Apartments (5 or more)
Unreliable estimate
16%
13%
19%
Mobile home
Unreliable estimate
2%
5%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
Detached houses, standing on their own, make up 84% of homes here, against 70% in Wayne County.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Harper Woods
Wayne County
Michigan
United States
Year built: Harper Woods and its comparisons
Measure
Harper Woods
Wayne County
Michigan
United States
Before 1960
73%
59%
36%
26%
1960–1979
16%
21%
26%
24%
1980–1999
10%
11%
22%
25%
2000–2009
Unreliable estimate
6%
10%
14%
2010 or later
Unreliable estimate
3%
6%
11%
By age, homes in Harper Woods look like those in Wayne County: the typical year built is 1955.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K20%
$100K–$200K55%
$200K–$300K21%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Harper Woods and its comparisons
Measure
Harper Woods
Under $100K
20%
$100K–$200K
55%
$200K–$300K
21%
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49949%
$1,500–$1,99925%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Harper Woods and its comparisons
Measure
Harper Woods
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
49%
$1,500–$1,999
25%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,611 a month
Wayne County: $1,556 a month
Without a mortgage
$664 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 Harper Woods is $1,611 a month, near the figure in Wayne County ($1,556).
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Harper Woods+88%
Wayne County+58%
Michigan+50%
United States+53%
Typical rent
Harper Woods+24%
Wayne County+29%
Michigan+30%
United States+33%
Typical household income
Harper Woods+34%
Wayne County+28%
Michigan+28%
United States+29%
Change since 2015–2019: Harper Woods and its comparisons
Measure
Harper Woods
Wayne County
Michigan
United States
Typical home value
+88%
+58%
+50%
+53%
Typical rent
+24%
+29%
+30%
+33%
Typical household income
+34%
+28%
+28%
+29%
The typical home value in Harper Woods rose 88% since 2015–2019, more than in Wayne County (58%).
Since 2015–2019, the typical rent in Harper Woods rose 24%, less than in Wayne County (29%).
While home values in Harper Woods changed +88% and rent +24%, the typical household income rose 34%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Harper Woods and its comparisons
Measure
Harper Woods
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
2.67
2.50
2.42
2.53
Drive alone
67%
72%
74%
69%
Carpool
15%
9%
8%
9%
Public transit
Unreliable estimate
2%
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
13%
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
More people live in each home here: 2.67 on average, against 2.50 in Wayne County.
Carpooling is common in Harper Woods: 15% of workers get to work that way, against 9% in Wayne County.
Do the math
What would you pay each month for a home in Harper Woods?
A typical home is within reach of the typical income
We start with a typical home in Harper Woods, worth $157,200, 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 Harper Woods, which is $65,022 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 Harper Woods. 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 $5,502 (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
$1,466
at 7.18% · 30 years
Loan amount
$154,353
Total interest
$222,077
Paid off in
November 2056
Includes $2,655 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,517 a month
Your payment · 27%
Tight
$1,517 to $1,951 a month
Hard
more than $1,951 a month
Compared with the typical household income in Harper Woods ($65,022 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,046
Property tax
$286
Home insurance
$66
FHA mortgage insurance (MIP)
$70
You need at least $5,502 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 $1,466; principal and interest $1,046.
The city and its county
Harper Woods and Wayne County
Harper Woods 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).
Harper Woods
Map of Wayne County, Michigan, with Harper Woods marked. Around it, the neighboring counties.
Harper Woods
Wayne County
Other cities with a page
Harper Woods's own numbers
Typical home value
$157,200
Typical monthly rent
$1,351
Typical yearly household income
$65,022
Households that own their home
67%
Effective property tax rate
2.18%
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 Harper Woods is worth $157,200: 12% below the county and 32% below Michigan. With the typical household income in Harper Woods ($65,022 a year), a typical home costs 2.4 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.
Harper Woods2.4 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
Harper Woods 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
Harper Woods$157,200
Wayne$178,500
Michigan$231,600
United States$332,700
Typical monthly rent
Harper Woods$1,351
Wayne$1,132
Michigan$1,129
United States$1,413
Typical yearly household income
Harper Woods$65,022
Wayne$60,539
Michigan$72,875
United States$80,734
See the full table
Harper Woods next to Wayne County and Michigan
Measure
Harper Woods
Wayne County
Michigan
U.S.
Typical home value
$157,200 ▼12% below the county
$178,500
$231,600
$332,700
Typical monthly rent
$1,351 ▲19% above the county
$1,132
$1,129
$1,413
Typical yearly household income
$65,022 ▲7% above the county
$60,539
$72,875
$80,734
Households that own their home
67% ▲2 points above the county
65%
73%
65%
Typical yearly property tax
$3,433 ▲18% above the county
$2,904
$2,904
$3,119
Effective property tax rate
2.18% ▲0.55 points above the county
1.63%
1.25%
0.94%
Renters with high rent for their income
44% ▼10 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 Harper Woods
For a typical $157,200 home in Harper Woods, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Harper Woods's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,466a month
Least cash to close
Down payment
$5,502
Cash to close
$10,218
Rate
7.18%
Mortgage insurance
FHA MIP · $70
Conventional, 5% down$1,437a month
Down payment
$7,860
Cash to close
$12,576
Rate
7.18%
Mortgage insurance
PMI · $75
Conventional, 20% down, no PMI$1,203a month
Down payment
$31,440
Cash to close
$36,156
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,348a month
Down payment
$23,580
Cash to close
$28,296
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Harper Woods
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,466
$5,502
$154,353
7.18%
FHA MIP · $70
$10,218
580
Conventional, 5% down
$1,437
$7,860
$149,340
7.18%
PMI · $75
$12,576
620*
Conventional, 20% down, no PMI
$1,203
$31,440
$125,760
7.18%
None
$36,156
620*
ITIN, 15% down (example)
$1,348
$23,580
$133,620
8.18%
None
$28,296
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 Harper Woods is $1,351 a month: 19% above the county. In Harper Woods, 44% 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 lists one building with rents for lower incomes in Harper Woods.
Park Place of Harper Woods19460 Park Dr, Harper Woods 48225132 homes, 131 low-income · 1 bd: 131 · 2 bd: 1 · In service since 2013 · For older adults(313) 884-2122
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 Harper Woods or Wayne County. The ones below are statewide in Michigan: they work in Harper Woods 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).
The HUD-approved agencies closest to the center of Harper Woods, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
No legal help resource on our list is for Harper Woods 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 Harper Woods 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 Harper Woods?
The typical home value in Harper Woods is $157,200, 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 Harper Woods?
Typical rent in Harper Woods is $1,351 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 Harper Woods?
Harper Woods 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 Harper Woods?
The typical homeowner in Harper Woods pays $3,433 a year, according to the U.S. Census Bureau. That is 2.18% of the home’s value; in Wayne County, the rate is 1.63%.
Where can I find free help to buy or rent in Harper Woods?
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.
