Español

Este sitio también está en español. Leer en español

City · 10,021 residents · Livingston County, Michigan

Howell , Michigan

In Howell, a typical home is worth $265,600 and typical rent is $1,177 a month. Compared with all of Livingston County, typical household income is 41% lower, the typical home value is 26% lower, and the share of households that own their home is 33 points lower.

WhatsApp

  • Typical home value

    $265,600

    26% below the county

    15% above Michigan

    • Howell
    • Livingston
    • Michigan

  • Typical rent

    $1,177a month

    9% below the county

    4% above Michigan

    • Howell
    • Livingston
    • Michigan

  • Typical household income

    $60,449a year

    41% below the county

    17% below Michigan

    • Howell
    • Livingston
    • Michigan

  • Households that own their home

    54%

    33 points below the county

    19 points below Michigan

    • Howell
    • Livingston
    • Michigan

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

Market now, with Zillow data

Zillow data
Typical home value
$383,677
2.4% more than 12 months ago
Typical rent
$1,824 a month
4.5% more than 12 months ago

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

Howell is in Livingston 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 Livingston County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Howell apart

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

  1. 54% of households in Howell own their home, against 87% in Livingston County.

  2. The typical household income in Howell is $60,449, 41% less than in Livingston County as a whole ($103,039).

  3. The typical home in Howell is worth $265,600, 26% less than in Livingston County as a whole ($356,800).

  4. 15% of households in Howell have no internet at home (5% in Livingston County).

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

The homes here

Housing in Howell

What homes there are in Howell, 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

In Howell there is a bit of everything: no kind of home reaches half. The most common are detached houses (43%); in Livingston County, 79%.

Year built

Homes in Howell are older: the typical year built is 1979; in Livingston County, 1991.

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
Monthly rent with utilities

With a mortgage

$1,805 a month

Livingston County: $1,899 a month

Without a mortgage

$677 a month

Livingston County: $680 a month

Owners with a mortgage

61%

Livingston County: 67%

The typical cost for an owner with a mortgage in Howell is $1,805 a month, near the figure in Livingston County ($1,899).

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

From 2015–2019 to 2020–2024, the typical home value in Howell rose 55%; in Livingston County, it rose 44%.

The typical rent in Howell rose 29% over the same time; in Livingston County, it rose 22%.

The typical household income in Howell rose 30% over that time; home values changed +55% and rent +29%.

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

MeasureHowellLivingston CountyMichiganUnited States
Rental vacancy Unreliable estimate4.9%5.1%5.5%
Homeowner vacancy Unreliable estimate0.5%0.8%0.9%
More than one person per room Unreliable estimate0.7%1.6%3.4%
People per household 1.972.552.422.53
Drive alone 82%76%74%69%
Carpool 7%5%8%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 9%17%14%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

Households in Howell are smaller: 1.97 people on average; in Livingston County, 2.55.

To get to work, 82% of workers in Howell drive alone; in Livingston County, 76%.

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 Howell?

A typical home costs more than the typical income allows

We start with a typical home in Howell, worth $265,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 45% of the typical household income in Howell, which is $60,449 a year. For that payment to be 28% of income, a household would need to earn about $97,065 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Howell. 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 $9,296 (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

$2,265

at 7.18% · 30 years

Loan amount
$260,789
Total interest
$375,215
Paid off in
November 2056

Includes $4,485 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,410 a month

  • Tight

    $1,410 to $1,813 a month

  • Hard

    more than $1,813 a month

    Your payment · 45%

Compared with the typical household income in Howell ($60,449 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,265
Principal & interest$1,767
Property tax$270
Home insurance$111
FHA mortgage insurance (MIP)$117

You need at least $9,296 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

Howell and Livingston County

Howell is in Livingston 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).

Howell's own numbers

Typical home value
$265,600
Typical monthly rent
$1,177
Typical yearly household income
$60,449
Households that own their home
54%
Effective property tax rate
1.22%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Livingston County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,477
Price change over 5 years (FHFA)
+46%
Homes in a high flood-risk zone
1.5%

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 Livingston County.

Everything about Livingston County

Buying

Buying a home in Howell

A typical home in Howell is worth $265,600: 26% below the county and 15% above Michigan. With the typical household income in Howell ($60,449 a year), a typical home costs 4.4 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.

  • Howell 4.4 years
  • Livingston 3.5 years
  • Michigan 3.2 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Livingston County

According to FHFA’s house price index, home prices in Livingston County rose 88% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Livingston County.

Period County Michigan U.S.
Last year (2025) +5.7% +4.7% +2.9%
5 years (2020–2025) +46% +52% +47%
10 years (2015–2025) +88% +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

Howell next to Livingston 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
  • Howell $265,600
  • Livingston $356,800
  • Michigan $231,600
  • United States $332,700
Typical monthly rent
  • Howell $1,177
  • Livingston $1,287
  • Michigan $1,129
  • United States $1,413
Typical yearly household income
  • Howell $60,449
  • Livingston $103,039
  • Michigan $72,875
  • United States $80,734
See the full table
Howell next to Livingston County and Michigan
Measure Howell Livingston County Michigan U.S.
Typical home value $265,600 $356,800 $231,600 $332,700
Typical monthly rent $1,177 $1,287 $1,129 $1,413
Typical yearly household income $60,449 $103,039 $72,875 $80,734
Households that own their home 54% 87% 73% 65%
Typical yearly property tax $3,231 $3,454 $2,904 $3,119
Effective property tax rate 1.22% 0.97% 1.25% 0.94%
Renters with high rent for their income 47% 49% 50% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Livingston 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 Howell

For a typical $265,600 home in Howell, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Howell's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,265a month

    Least cash to close
    Down payment
    $9,296
    Cash to close
    $17,264
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $117

  • Conventional, 5% down $2,216a month

    Down payment
    $13,280
    Cash to close
    $21,248
    Rate
    7.18%
    Mortgage insurance
    PMI · $126

  • Conventional, 20% down, no PMI $1,820a month

    Down payment
    $53,120
    Cash to close
    $61,088
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,066a month

    Down payment
    $39,840
    Cash to close
    $47,808
    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 Howell and for Livingston County.

Property tax

Effective rate in Howell

1.22%of the home’s value each year

$3,231 a year for the typical owner in Howell.

  • Howell 1.22%
  • Livingston 0.97%
  • 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 Livingston County

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

Homes in the high-risk zone
1.5%
1,157
Of those, with NFIP insurance
15%
County Michigan U.S.
Homes in the high-risk zone 1.5% 1.6% 3.5%
Of those, with NFIP insurance 15% 18% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Howell

Typical rent in Howell is $1,177 a month: 9% below the county. In Howell, 47% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Livingston County, by unit size. To pay the 2-bedroom one ($1,477 a month) without spending more than 30% of your income, you would need to earn $28.40 an hour working full time.

HUD fair market rent for all of Livingston 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 $1,168 $22.46 $46,720
1 bedroom $1,291 $24.83 $51,640
2 bedrooms $1,477 $28.40 $59,080
3 bedrooms $2,045 $39.33 $81,800
4 bedrooms $2,366 $45.50 $94,640

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 Howell

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Howell is in ZIP code 48843.

For 2 bedrooms it is $1,600: $123 more than the fair market rent for Livingston County ($1,477).

  • 48843 $1,600$2,220

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Howell 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 Howell

HUD lists 3 buildings with rents for lower incomes in Howell. These are the largest.

  • Lakeshore Village III 2812 Ontario Ct, Howell 48843 144 low-income homes · 1 bd: 16 · 2 bd: 85 · 3 bd: 43 · In service since 2019
  • Lakeshore Village II 2812 Ontario Ct, Howell 48843 96 low-income homes · 1 bd: 32 · 2 bd: 48 · 3 bd: 16 · In service since 2018 · For families
  • Oakhaven Manor 1320 Ashebury Ln, Howell 48843 112 homes, 50 low-income · 1 bd: 66 · 2 bd: 46 · In service since 2003 · For older adults

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

Free help

Help to buy or rent in Howell

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.

We found no HUD-approved agencies with an office in Livingston County. The nearest ones are below; many serve by phone or online.

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Howell

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

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

  • Michigan State University Extension Service-Washtenaw

    705 N Zeeb Rd, Ann Arbor · 22 miles away

    • Budget and credit workshops
    • Homebuyer education workshops
    (734) 997-1678

  • Greenpath Financial Wellness

    36500 Corporate Dr, Farmington Hills · 28 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (800) 550-1961

  • Greenpath, Inc.

    36500 Corporate Dr, Farmington Hills · 28 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (888) 860-4167

All counseling agencies in Michigan

Help in Spanish near Howell

2 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 Howell

HUD lists no housing authority with an office in Livingston County. One in a neighboring county or the state’s may serve the area.

All housing agencies in Michigan Source: HUD

Cities

Other cities in Livingston County

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

Everything about Livingston County Housing in Michigan

Nearby cities

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

Neighboring counties

If Livingston 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 Howell.

All guides
A man and two girls read a book together on the sofa.

Questions

Housing questions about Howell

Short answers with the numbers for Howell and all of Livingston 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 Howell?

The typical home value in Howell is $265,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Livingston County it is $356,800.

How much does it cost to rent in Howell?

Typical rent in Howell is $1,177 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Livingston County is $1,477.

What is the FHA loan limit in Howell?

Howell uses the FHA limit for all of Livingston 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 Howell?

The typical homeowner in Howell pays $3,231 a year, according to the U.S. Census Bureau. That is 1.22% of the home’s value; in Livingston County, the rate is 0.97%.

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

We found no HUD-approved counseling agencies with an office in Livingston County; the nearest ones are on this page. 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).