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City · 31,058 residents · Jackson County, Michigan

Jackson , Michigan

In Jackson, a typical home is worth $103,200 and typical rent is $898 a month. Compared with all of Jackson County, the typical home value is 47% lower, typical household income is 33% lower, and the share of households that own their home is 20 points lower.

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  • Typical home value

    $103,200

    47% below the county

    55% below Michigan

    • Jackson
    • County
    • Michigan

  • Typical rent

    $898a month

    9% below the county

    20% below Michigan

    • Jackson
    • County
    • Michigan

  • Typical household income

    $44,558a year

    33% below the county

    39% below Michigan

    • Jackson
    • County
    • Michigan

  • Households that own their home

    55%

    20 points below the county

    19 points below Michigan

    • Jackson
    • County
    • Michigan

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

Market now, with Zillow data

Zillow data
Typical home value
$190,396
2.3% more than 12 months ago
Typical rent
$1,159 a month
6.2% more than 12 months ago

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

Jackson is in Jackson 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 Jackson County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Jackson apart

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

  1. 55% of households in Jackson own their home, against 75% in Jackson County.

  2. The typical home in Jackson is worth $103,200, 47% less than in Jackson County as a whole ($193,700).

  3. The typical household income in Jackson is $44,558, 33% less than in Jackson County as a whole ($66,073).

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

The homes here

Housing in Jackson

What homes there are in Jackson, 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 Jackson, but it weighs less than in Jackson County: 65% against 76%.

Year built

The typical home in Jackson was built before 1940, the oldest group the Census tells apart; 73% of homes date from before 1960.

In Jackson, 17% of homes have 1 bedroom or none (studios); 52% have 3 bedrooms or more, against 63% in Jackson County.

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

Monthly rent with utilities

By rent, most homes in Jackson cost less than HUD's 2-bedroom fair market rent ($1,201): about 75%.

With a mortgage

$1,083 a month

Jackson County: $1,377 a month

Without a mortgage

$479 a month

Jackson County: $557 a month

Owners with a mortgage

61%

Jackson County: 57%

The typical cost for an owner with a mortgage in Jackson is $1,083 a month, less than in Jackson County ($1,377); without one, $479.

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 Jackson rose 51%; in Jackson County, it rose 47%.

Since 2015–2019, the typical rent in Jackson rose 22%, less than in Jackson County (26%).

To compare: typical income in Jackson rose 26%; the home, +51%; the rent, +22%.

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

MeasureJacksonJackson CountyMichiganUnited States
Rental vacancy 6.2%5.6%5.1%5.5%
Homeowner vacancy Unreliable estimate0.7%0.8%0.9%
More than one person per room Unreliable estimate1.3%1.6%3.4%
People per household 2.292.412.422.53
Drive alone 76%79%74%69%
Carpool 10%8%8%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike 3%2%2%3%
Work from home 9%10%14%15%
Other means Unreliable estimate1%1%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

Much as in Jackson County, the rental vacancy rate in Jackson is 6.2%.

Much as in Jackson County, a household in Jackson has 2.29 people on average.

In Jackson, 76% of workers drive alone to work; in Jackson County, 79%.

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 Jackson?

A typical home is within reach of the typical income

We start with a typical home in Jackson, worth $103,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 25% of the typical household income in Jackson, which is $44,558 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Jackson. 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 $3,612 (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

$921

at 7.18% · 30 years

Loan amount
$101,331
Total interest
$145,791
Paid off in
November 2056

Includes $1,743 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,040 a month

    Your payment · 25%

  • Tight

    $1,040 to $1,337 a month

  • Hard

    more than $1,337 a month

Compared with the typical household income in Jackson ($44,558 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$921
Principal & interest$686
Property tax$146
Home insurance$43
FHA mortgage insurance (MIP)$46

You need at least $3,612 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

Jackson and Jackson County

Jackson is in Jackson 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).

Jackson's own numbers

Typical home value
$103,200
Typical monthly rent
$898
Typical yearly household income
$44,558
Households that own their home
55%
Effective property tax rate
1.7%

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

Numbers for all of Jackson County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,201
Price change over 5 years (FHFA)
+49%
Homes in a high flood-risk zone
2.7%

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 Jackson County.

Everything about Jackson County

Buying

Buying a home in Jackson

A typical home in Jackson is worth $103,200: 47% below the county and 55% below Michigan. With the typical household income in Jackson ($44,558 a year), a typical home costs 2.3 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.

  • Jackson 2.3 years
  • County 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 Jackson County

According to FHFA’s house price index, home prices in Jackson County rose 94% in the 10 years through 2025.

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

Period County Michigan U.S.
Last year (2025) +4.7% +4.7% +2.9%
5 years (2020–2025) +49% +52% +47%
10 years (2015–2025) +94% +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

Jackson next to Jackson 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
  • Jackson $103,200
  • County $193,700
  • Michigan $231,600
  • United States $332,700
Typical monthly rent
  • Jackson $898
  • County $985
  • Michigan $1,129
  • United States $1,413
Typical yearly household income
  • Jackson $44,558
  • County $66,073
  • Michigan $72,875
  • United States $80,734
See the full table
Jackson next to Jackson County and Michigan
Measure Jackson Jackson County Michigan U.S.
Typical home value $103,200 $193,700 $231,600 $332,700
Typical monthly rent $898 $985 $1,129 $1,413
Typical yearly household income $44,558 $66,073 $72,875 $80,734
Households that own their home 55% 75% 73% 65%
Typical yearly property tax $1,753 $2,432 $2,904 $3,119
Effective property tax rate 1.7% 1.26% 1.25% 0.94%
Renters with high rent for their income 55% 45% 50% 51%

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

For a typical $103,200 home in Jackson, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Jackson's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $921a month

    Least cash to close
    Down payment
    $3,612
    Cash to close
    $6,708
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $46

  • Conventional, 5% down $902a month

    Down payment
    $5,160
    Cash to close
    $8,256
    Rate
    7.18%
    Mortgage insurance
    PMI · $49

  • Conventional, 20% down, no PMI $748a month

    Down payment
    $20,640
    Cash to close
    $23,736
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $844a month

    Down payment
    $15,480
    Cash to close
    $18,576
    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 Jackson and for Jackson County.

Property tax

Effective rate in Jackson

1.7%of the home’s value each year

$1,753 a year for the typical owner in Jackson.

  • Jackson 1.7%
  • County 1.26%
  • 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 Jackson County

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

Homes in the high-risk zone
2.7%
1,701
Of those, with NFIP insurance
7.3%
County Michigan U.S.
Homes in the high-risk zone 2.7% 1.6% 3.5%
Of those, with NFIP insurance 7.3% 18% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Jackson

Typical rent in Jackson is $898 a month: 9% below the county. In Jackson, 55% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Jackson County, by unit size. To pay the 2-bedroom one ($1,201 a month) without spending more than 30% of your income, you would need to earn $23.10 an hour working full time.

HUD fair market rent for all of Jackson 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 $896 $17.23 $35,840
1 bedroom $984 $18.92 $39,360
2 bedrooms $1,201 $23.10 $48,040
3 bedrooms $1,576 $30.31 $63,040
4 bedrooms $1,578 $30.35 $63,120

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 Jackson

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

For 2 bedrooms it runs from $1,120 in 49202 to $1,300 in 49203.

1 of the 2 is above the fair market rent for Jackson County ($1,201).

  • 49202 $1,120$1,470
  • 49203 $1,300$1,710

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

HUD lists 32 buildings with rents for lower incomes in Jackson. These are the largest.

  • Reed Manor 315 Steward Ave, Jackson 49201 296 homes, 294 low-income · Run by Jackson Housing Commission · Average payment: $265 a month · Average wait: 2 months (947) 282-0420
  • Park Forest 3295 Bent Tree Ln, Jackson 49202 290 low-income homes · For families (517) 787-9750
  • Foxfire 435 Peppertree Cir, Jackson 49203 160 low-income homes · 2 bd: 136 · 3 bd: 24 · In service since 2013 · For families
  • Ridgewood Vista (JACKSON) 5000 Ponderosa Dr, Jackson 49201 150 low-income homes · 1 bd: 16 · 2 bd: 102 · 3 bd: 32 · In service since 2008 · For older adults, people with disabilities, families, people experiencing homelessness (517) 764-5076
  • Ashton Ridge Apts 2905 Blake Rd, Jackson 49201 144 low-income homes · 1 bd: 24 · 2 bd: 72 · 3 bd: 48 · In service since 2000

See all 35 buildings in Jackson County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Jackson

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 is 1 HUD-approved agency with an office in Jackson County; none says it serves in Spanish.

A young man and a young woman look something up together on a laptop.

HUD counseling is free or low-cost

Assistance programs in Jackson

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

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

  • Community Action Agency

    1214 Greenwood Ave, Jackson · 1 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 8 more
    (517) 784-4800

  • Community Action Agency - Hillsdale Branch

    55 Barnard St, Hillsdale · 25 miles away · Spanish

    • Budget and financial counseling
    • Homelessness services
    • and 4 more
    (517) 437-3346

  • Michigan State University Extension Service-Washtenaw

    705 N Zeeb Rd, Ann Arbor · 29 miles away

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

Every agency in Jackson County All counseling agencies in Michigan

Help in Spanish near Jackson

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 Jackson

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

  • Jackson Housing Commission Public housing and Section 8 vouchers (947) 282-0420

All housing agencies in Michigan Source: HUD

Cities

Nearby cities

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

Everything about Jackson County Housing in Michigan

Neighboring counties

If Jackson 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 Jackson.

All guides
A father and mother walk their son by the hand down the sidewalk.

Questions

Housing questions about Jackson

Short answers with the numbers for Jackson and all of Jackson 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 Jackson?

The typical home value in Jackson is $103,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Jackson County it is $193,700.

How much does it cost to rent in Jackson?

Typical rent in Jackson is $898 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Jackson County is $1,201.

What is the FHA loan limit in Jackson?

Jackson uses the FHA limit for all of Jackson 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 Jackson?

The typical homeowner in Jackson pays $1,753 a year, according to the U.S. Census Bureau. That is 1.7% of the home’s value; in Jackson County, the rate is 1.26%.

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

There is 1 HUD-approved counseling agency with an office in Jackson County. 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).