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City · 73,076 residents · Kalamazoo County, Michigan

Kalamazoo , Michigan

In Kalamazoo, a typical home is worth $179,000 and typical rent is $1,078 a month. Compared with all of Kalamazoo County, typical household income is 28% lower, the typical home value is 26% lower, and the share of households that own their home is 22 points lower.

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  • Typical home value

    $179,000

    26% below the county

    23% below Michigan

    • Kalamazoo
    • County
    • Michigan

  • Typical rent

    $1,078a month

    About the same as the county

    5% below Michigan

    • Kalamazoo
    • County
    • Michigan

  • Typical household income

    $52,272a year

    28% below the county

    28% below Michigan

    • Kalamazoo
    • County
    • Michigan

  • Households that own their home

    42%

    22 points below the county

    31 points below Michigan

    • Kalamazoo
    • County
    • Michigan

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

Market now, with Zillow data

Zillow data
Typical home value
$238,251
4.1% more than 12 months ago
Typical rent
$1,216 a month
5.3% more than 12 months ago

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

Kalamazoo is in Kalamazoo 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 Kalamazoo County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Kalamazoo apart

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

  1. 42% of households in Kalamazoo own their home, against 65% in Kalamazoo County.

  2. The typical household income in Kalamazoo is $52,272, 28% less than in Kalamazoo County as a whole ($72,532).

  3. The typical home in Kalamazoo is worth $179,000, 26% less than in Kalamazoo County as a whole ($241,800).

  4. Nearby, in Battle Creek, the typical home value is $141,900: 21% less than in Kalamazoo ($179,000).

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

The homes here

Housing in Kalamazoo

What homes there are in Kalamazoo, 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 houses are the majority in Kalamazoo (51%), but less so than in Kalamazoo County (65%).

Year built

In Kalamazoo, half of the homes were built before 1959; in Kalamazoo County, before 1975.

In Kalamazoo, 19% of homes have 1 bedroom or none (studios); 47% have 3 bedrooms or more, against 61% in Kalamazoo 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

By price, most homes in Kalamazoo sit under the FHA limit for Kalamazoo County ($541,287): about 96%.

Monthly rent with utilities

Measured against HUD's 2-bedroom fair market rent ($1,158), about 54% of rented homes in Kalamazoo cost less.

With a mortgage

$1,298 a month

Kalamazoo County: $1,616 a month

Without a mortgage

$623 a month

Kalamazoo County: $664 a month

Owners with a mortgage

60%

Kalamazoo County: 61%

In Kalamazoo, 60% of owners have a mortgage, and their typical cost is $1,298 a month, against $1,616 in Kalamazoo County. Without one it drops to $623.

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 Kalamazoo rose 68% since 2015–2019, more than in Kalamazoo County (52%).

Much as in Kalamazoo County, the typical rent in Kalamazoo rose 36% since 2015–2019.

Housing prices ran ahead of income in Kalamazoo: typical income rose 25%, against +68% for home values and +36% for rent.

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

MeasureKalamazooKalamazoo CountyMichiganUnited States
Rental vacancy 5.2%5.3%5.1%5.5%
Homeowner vacancy Unreliable estimate0.5%0.8%0.9%
More than one person per room 1.5%1.0%1.6%3.4%
People per household 2.252.382.422.53
Drive alone 73%77%74%69%
Carpool 7%6%8%9%
Public transit 2%1%1%3%
Walk or bike 8%3%2%3%
Work from home 10%13%14%15%
Other means 1%1%1%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

In Kalamazoo, the rental vacancy rate is 5.2%, about the same as in Kalamazoo County.

Much as in Kalamazoo County, 1.5% of households in Kalamazoo have more than one person per room.

Households in Kalamazoo are smaller: 2.25 people on average; in Kalamazoo County, 2.38.

Many here get to work on foot or by bike: 8%, more than in Kalamazoo County (3%).

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 Kalamazoo?

A typical home costs more than the typical income allows

We start with a typical home in Kalamazoo, worth $179,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 37% of the typical household income in Kalamazoo, which is $52,272 a year. For that payment to be 28% of income, a household would need to earn about $68,165 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Kalamazoo. 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 $6,265 (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

$1,591

at 7.18% · 30 years

Loan amount
$175,758
Total interest
$252,874
Paid off in
November 2056

Includes $3,023 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,220 a month

  • Tight

    $1,220 to $1,568 a month

  • Hard

    more than $1,568 a month

    Your payment · 37%

Compared with the typical household income in Kalamazoo ($52,272 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,591
Principal & interest$1,191
Property tax$246
Home insurance$75
FHA mortgage insurance (MIP)$79

You need at least $6,265 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

Kalamazoo and Kalamazoo County

Kalamazoo is in Kalamazoo 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).

Kalamazoo's own numbers

Typical home value
$179,000
Typical monthly rent
$1,078
Typical yearly household income
$52,272
Households that own their home
42%
Effective property tax rate
1.65%

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

Numbers for all of Kalamazoo County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,158
Price change over 5 years (FHFA)
+51%
Homes in a high flood-risk zone
0.7%

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 Kalamazoo County.

Everything about Kalamazoo County

Buying

Buying a home in Kalamazoo

A typical home in Kalamazoo is worth $179,000: 26% below the county and 23% below Michigan. With the typical household income in Kalamazoo ($52,272 a year), a typical home costs 3.4 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.

  • Kalamazoo 3.4 years
  • County 3.3 years
  • Michigan 3.2 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Kalamazoo County

According to FHFA’s house price index, home prices in Kalamazoo County rose 93% in the 10 years through 2025.

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

Period County Michigan U.S.
Last year (2025) +3.8% +4.7% +2.9%
5 years (2020–2025) +51% +52% +47%
10 years (2015–2025) +93% +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

Kalamazoo next to Kalamazoo 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
  • Kalamazoo $179,000
  • County $241,800
  • Michigan $231,600
  • United States $332,700
Typical monthly rent
  • Kalamazoo $1,078
  • County $1,093
  • Michigan $1,129
  • United States $1,413
Typical yearly household income
  • Kalamazoo $52,272
  • County $72,532
  • Michigan $72,875
  • United States $80,734
See the full table
Kalamazoo next to Kalamazoo County and Michigan
Measure Kalamazoo Kalamazoo County Michigan U.S.
Typical home value $179,000 $241,800 $231,600 $332,700
Typical monthly rent $1,078 $1,093 $1,129 $1,413
Typical yearly household income $52,272 $72,532 $72,875 $80,734
Households that own their home 42% 65% 73% 65%
Typical yearly property tax $2,958 $3,498 $2,904 $3,119
Effective property tax rate 1.65% 1.45% 1.25% 0.94%
Renters with high rent for their income 56% 52% 50% 51%

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

For a typical $179,000 home in Kalamazoo, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Kalamazoo's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,591a month

    Least cash to close
    Down payment
    $6,265
    Cash to close
    $11,635
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $79

  • Conventional, 5% down $1,558a month

    Down payment
    $8,950
    Cash to close
    $14,320
    Rate
    7.18%
    Mortgage insurance
    PMI · $85

  • Conventional, 20% down, no PMI $1,291a month

    Down payment
    $35,800
    Cash to close
    $41,170
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,456a month

    Down payment
    $26,850
    Cash to close
    $32,220
    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 Kalamazoo and for Kalamazoo County.

Property tax

Effective rate in Kalamazoo

1.65%of the home’s value each year

$2,958 a year for the typical owner in Kalamazoo.

  • Kalamazoo 1.65%
  • County 1.45%
  • 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 Kalamazoo County

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

Homes in the high-risk zone
0.7%
583
Of those, with NFIP insurance
17%
County Michigan U.S.
Homes in the high-risk zone 0.7% 1.6% 3.5%
Of those, with NFIP insurance 17% 18% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Kalamazoo

Typical rent in Kalamazoo is $1,078 a month: about the same as the county. In Kalamazoo, 56% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Kalamazoo County, by unit size. To pay the 2-bedroom one ($1,158 a month) without spending more than 30% of your income, you would need to earn $22.27 an hour working full time.

HUD fair market rent for all of Kalamazoo 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 $885 $17.02 $35,400
1 bedroom $1,013 $19.48 $40,520
2 bedrooms $1,158 $22.27 $46,320
3 bedrooms $1,545 $29.71 $61,800
4 bedrooms $1,637 $31.48 $65,480

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 Kalamazoo

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Kalamazoo has 4 ZIP codes with their own.

For 2 bedrooms it runs from $1,120 in 49008 to $1,170 in 49007.

3 of the 4 are above the fair market rent for Kalamazoo County ($1,158).

  • 49001 $1,170$1,560
  • 49007 $1,170$1,560
  • 49008 $1,120$1,490
  • 49074 $1,160$1,540

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

HUD lists 49 buildings with rents for lower incomes in Kalamazoo. These are the largest.

  • City View in the Square 710 Collins St, Kalamazoo 49001 216 low-income homes · For older adults (269) 344-1681
  • Fox Ridge Apartments 1332 Fox Ridge Dr, Kalamazoo 49006 216 homes, 211 low-income · For families (269) 381-5691
  • Evergreen North 5700 Vintage Ln, Kalamazoo 49009 205 homes, 204 low-income · 1 bd: 186 · 2 bd: 19 · In service since 2019 · For older adults, families (269) 382-6446
  • South Mall Senior Apartments 105 E Walnut St, Kalamazoo 49007 204 low-income homes · For older adults (269) 388-3011
  • Crosstown Parkway I 732 Howard St, Kalamazoo 49008 201 homes, 200 low-income · 1 bd: 185 · 2 bd: 16 · In service since 2009 · For older adults

See all 60 buildings in Kalamazoo County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Kalamazoo

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 Kalamazoo County; none says it serves in Spanish.

A man leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Kalamazoo

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

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

  • Kalamazoo Neighborhood Housing Services, Inc

    1219 S Park St, Kalamazoo · 0 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (269) 385-2916

  • Neighborhoods Inc. of Battle Creek

    47 North Washington Ave, Battle Creek · 21 miles away

    • Budget and credit workshops
    • Fair housing pre-purchase workshops
    • and 5 more
    (269) 224-6606

  • Housing Services Mid Michigan

    319 S Cochran Ave, Charlotte · 43 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (517) 541-1180

Every agency in Kalamazoo County All counseling agencies in Michigan

Help in Spanish near Kalamazoo

None 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 Kalamazoo

HUD lists no housing authority with an office in Kalamazoo 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 Kalamazoo County

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

Everything about Kalamazoo County Housing in Michigan

Nearby cities

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

Neighboring counties

If Kalamazoo 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 Kalamazoo.

All guides
A mother smiles as she carries her young daughter on her shoulders (black and white).

Questions

Housing questions about Kalamazoo

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

The typical home value in Kalamazoo is $179,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Kalamazoo County it is $241,800.

How much does it cost to rent in Kalamazoo?

Typical rent in Kalamazoo is $1,078 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Kalamazoo County is $1,158.

What is the FHA loan limit in Kalamazoo?

Kalamazoo uses the FHA limit for all of Kalamazoo 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 Kalamazoo?

The typical homeowner in Kalamazoo pays $2,958 a year, according to the U.S. Census Bureau. That is 1.65% of the home’s value; in Kalamazoo County, the rate is 1.45%.

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

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