In Jenison, a typical home is worth $281,600 and typical rent is $2,306 a month. Compared with all of Ottawa County, typical rent is 90% higher, the typical home value is 13% lower, and the share of households that own their home is 9 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $281,856 to $366,713.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Jenison 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
Jenison has the largest share of rent-burdened renters of the 168 cities in Michigan with more than 5,000 people: 74%.
2
Jenison has the 2nd highest typical rent of the 175 cities in Michigan with more than 5,000 people ($2,306).
3
Nearby, in Allendale, the typical rent is $1,111: 52% less than in Jenison ($2,306).
4
Jenison has the 10th highest homeownership rate of the 179 cities in Michigan with more than 5,000 people (88%).
5
Nearby, in Wyoming, the typical home value is $225,200: 20% less than in Jenison ($281,600).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Jenison
What homes there are in Jenison, 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
Jenison
Ottawa County
Michigan
United States
Kind of home: Jenison and its comparisons
Measure
Jenison
Ottawa County
Michigan
United States
Detached house
78%
70%
72%
61%
Attached house
11%
8%
5%
6%
Building of 2 to 4
Unreliable estimate
6%
5%
8%
Apartments (5 or more)
Unreliable estimate
11%
13%
19%
Mobile home
Unreliable estimate
5%
5%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house rules in Jenison: 78% of homes, more than in Ottawa County (70%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Jenison
Ottawa County
Michigan
United States
Year built: Jenison and its comparisons
Measure
Jenison
Ottawa County
Michigan
United States
Before 1960
14%
19%
36%
26%
1960–1979
61%
21%
26%
24%
1980–1999
19%
30%
22%
25%
2000–2009
3%
15%
10%
14%
2010 or later
Unreliable estimate
15%
6%
11%
Homes in Jenison are older: the typical year built is 1973; in Ottawa County, 1988.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K14%
$200K–$300K43%
$300K–$500K41%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Jenison and its comparisons
Measure
Jenison
Under $100K
Unreliable estimate
$100K–$200K
14%
$200K–$300K
43%
$300K–$500K
41%
$500K–$750K
Unreliable
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49913%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Jenison and its comparisons
Measure
Jenison
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
13%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$1,433 a month
Ottawa County: $1,656 a month
Without a mortgage
$515 a month
Ottawa County: $607 a month
Owners with a mortgage
69%
Ottawa County: 61%
The typical cost for an owner with a mortgage in Jenison is $1,433 a month, less than in Ottawa County ($1,656); without one, $515.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Jenison+65%
Ottawa County+69%
Michigan+50%
United States+53%
Typical rent
Jenison+152%
Ottawa County+35%
Michigan+30%
United States+33%
Typical household income
Jenison+29%
Ottawa County+31%
Michigan+28%
United States+29%
Change since 2015–2019: Jenison and its comparisons
Measure
Jenison
Ottawa County
Michigan
United States
Typical home value
+65%
+69%
+50%
+53%
Typical rent
+152%
+35%
+30%
+33%
Typical household income
+29%
+31%
+28%
+29%
From 2015–2019 to 2020–2024, the typical home value in Jenison rose 65%; in Ottawa County, it rose 69%.
Since 2015–2019, the typical rent in Jenison rose 152%, more than in Ottawa County (35%).
Housing prices ran ahead of income in Jenison: typical income rose 29%, against +65% for home values and +152% for rent.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Jenison and its comparisons
Measure
Jenison
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
2.66
2.61
2.42
2.53
Drive alone
79%
77%
74%
69%
Carpool
8%
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
20 to 29 minutes
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
Much as in Ottawa County, a household in Jenison has 2.66 people on average.
The car rules in Jenison: 79% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.
Do the math
What would you pay each month for a home in Jenison?
A typical home is tight for the typical income
We start with a typical home in Jenison, worth $281,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 31% of the typical household income in Jenison, which is $89,593 a year. For that payment to be 28% of income, a household would need to earn about $99,593 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 Jenison. 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 $9,856 (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
$2,324
at 7.18% · 30 years
Loan amount
$276,500
Total interest
$397,818
Paid off in
November 2056
Includes $4,756 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,091 a month
Tight
$2,091 to $2,688 a month
Your payment · 31%
Hard
more than $2,688 a month
Compared with the typical household income in Jenison ($89,593 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,873
Property tax
$209
Home insurance
$117
FHA mortgage insurance (MIP)
$125
You need at least $9,856 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 $2,324; principal and interest $1,873.
The city and its county
Jenison and Ottawa County
Jenison 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).
Jenison
Map of Ottawa County, Michigan, with Jenison marked. Around it, the neighboring counties.
Jenison
Ottawa County
Other cities with a page
Jenison's own numbers
Typical home value
$281,600
Typical monthly rent
$2,306
Typical yearly household income
$89,593
Households that own their home
88%
Effective property tax rate
0.89%
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 Jenison is worth $281,600: 13% below the county and 22% above Michigan. With the typical household income in Jenison ($89,593 a year), a typical home costs 3.1 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.
Jenison3.1 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
Jenison 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
Jenison$281,600
Ottawa$323,400
Michigan$231,600
United States$332,700
Typical monthly rent
Jenison$2,306
Ottawa$1,211
Michigan$1,129
United States$1,413
Typical yearly household income
Jenison$89,593
Ottawa$90,502
Michigan$72,875
United States$80,734
See the full table
Jenison next to Ottawa County and Michigan
Measure
Jenison
Ottawa County
Michigan
U.S.
Typical home value
$281,600 ▼13% below the county
$323,400
$231,600
$332,700
Typical monthly rent
$2,306 ▲90% above the county
$1,211
$1,129
$1,413
Typical yearly household income
$89,593
$90,502
$72,875
$80,734
Households that own their home
88% ▲9 points above the county
79%
73%
65%
Typical yearly property tax
$2,509 ▼24% below the county
$3,313
$2,904
$3,119
Effective property tax rate
0.89% ▼0.13 points below the county
1.02%
1.25%
0.94%
Renters with high rent for their income
74% ▲25 points above the county
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 Jenison
For a typical $281,600 home in Jenison, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Jenison's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,324a month
Least cash to close
Down payment
$9,856
Cash to close
$18,304
Rate
7.18%
Mortgage insurance
FHA MIP · $125
Conventional, 5% down$2,272a month
Down payment
$14,080
Cash to close
$22,528
Rate
7.18%
Mortgage insurance
PMI · $134
Conventional, 20% down, no PMI$1,852a month
Down payment
$56,320
Cash to close
$64,768
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,113a month
Down payment
$42,240
Cash to close
$50,688
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Jenison
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,324
$9,856
$276,500
7.18%
FHA MIP · $125
$18,304
580
Conventional, 5% down
$2,272
$14,080
$267,520
7.18%
PMI · $134
$22,528
620*
Conventional, 20% down, no PMI
$1,852
$56,320
$225,280
7.18%
None
$64,768
620*
ITIN, 15% down (example)
$2,113
$42,240
$239,360
8.18%
None
$50,688
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 Jenison is $2,306 a month: 90% above the county. In Jenison, 74% 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 Jenison
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Jenison is in ZIP code 49428.
For 2 bedrooms it is $1,620: $74 more than the fair market rent for Ottawa County ($1,546).
Fair market rent by ZIP code and size in Jenison, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
49428
$1,130
$1,420
$1,620
$2,040
$2,420
ZIP code2 bd3 bd
49428 $1,620$2,040
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Jenison 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)
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 Jenison or Ottawa County. The ones below are statewide in Michigan: they work in Jenison 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 Jenison 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 Jenison 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 Jenison?
The typical home value in Jenison is $281,600, 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 Jenison?
Typical rent in Jenison is $2,306 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 Jenison?
Jenison 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 Jenison?
The typical homeowner in Jenison pays $2,509 a year, according to the U.S. Census Bureau. That is 0.89% of the home’s value; in Ottawa County, the rate is 1.02%.
Where can I find free help to buy or rent in Jenison?
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.
