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City · 5,124 residents · Dickinson County, Michigan

Kingsford , Michigan

In Kingsford, a typical home is worth $132,100 and typical rent is $917 a month. Compared with all of Dickinson County, typical rent is 15% higher, the typical home value is 14% lower, and the share of households that own their home is 6 points lower.

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  • Typical home value

    $132,100

    14% below the county

    43% below Michigan

    • Kingsford
    • Dickinson
    • Michigan

  • Typical rent

    $917a month

    15% above the county

    19% below Michigan

    • Kingsford
    • Dickinson
    • Michigan

  • Typical household income

    $61,635a year

    5% below the county

    15% below Michigan

    • Kingsford
    • Dickinson
    • Michigan

  • Households that own their home

    76%

    6 points below the county

    3 points above Michigan

    • Kingsford
    • Dickinson
    • Michigan

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

Market now, with Zillow data

Zillow data
Typical home value
$154,166
2.2% more than 12 months ago

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

Kingsford is in Dickinson 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 Dickinson County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Kingsford apart

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

  1. Nearby, in Escanaba, the typical rent is $657: 28% less than in Kingsford ($917).

  2. Nearby, in Menominee, the typical home value is $104,400: 21% less than in Kingsford ($132,100).

  3. The typical rent in Kingsford is $917 a month, 15% more than in Dickinson County as a whole ($797).

  4. 76% of households in Kingsford own their home, against 82% in Dickinson County.

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

The homes here

Housing in Kingsford

What homes there are in Kingsford, 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 Kingsford (76%), but less so than in Dickinson County (84%).

Year built

In Kingsford, half of the homes were built before 1968; in Dickinson County, before 1970.

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

$901 a month

Dickinson County: $1,126 a month

Without a mortgage

$451 a month

Dickinson County: $473 a month

Owners with a mortgage

59%

Dickinson County: 50%

The typical cost for an owner with a mortgage in Kingsford is $901 a month, less than in Dickinson County ($1,126); without one, $451.

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 Kingsford rose 42%; in Dickinson County, it rose 51%.

The typical rent in Kingsford rose 40% over the same time; in Dickinson County, it rose 20%.

While home values in Kingsford changed +42% and rent +40%, the typical household income rose 40%.

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

MeasureKingsfordDickinson CountyMichiganUnited States
Rental vacancy Unreliable estimateUnreliable estimate5.1%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.8%0.9%
More than one person per room Unreliable estimateUnreliable estimate1.6%3.4%
People per household 2.202.152.422.53
Drive alone 74%77%74%69%
Carpool 14%8%8%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate2%3%
Work from home Unreliable estimate9%14%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimate10 to 19 minutes20 to 29 minutes20 to 29 minutes

A household in Kingsford has 2.20 people on average, about the same as in Dickinson County (2.15).

More people carpool to work in Kingsford than in Dickinson County: 14% against 8%.

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 Kingsford?

A typical home is within reach of the typical income

We start with a typical home in Kingsford, worth $132,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 23% of the typical household income in Kingsford, which is $61,635 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Kingsford. 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 $4,624 (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

$1,178

at 7.18% · 30 years

Loan amount
$129,707
Total interest
$186,618
Paid off in
November 2056

Includes $2,231 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,438 a month

    Your payment · 23%

  • Tight

    $1,438 to $1,849 a month

  • Hard

    more than $1,849 a month

Compared with the typical household income in Kingsford ($61,635 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,178
Principal & interest$879
Property tax$186
Home insurance$55
FHA mortgage insurance (MIP)$58

You need at least $4,624 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

Kingsford and Dickinson County

Kingsford is in Dickinson 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).

Kingsford's own numbers

Typical home value
$132,100
Typical monthly rent
$917
Typical yearly household income
$61,635
Households that own their home
76%
Effective property tax rate
1.69%

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

Numbers for all of Dickinson County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,014
Price change over 5 years (FHFA)
+63%
Homes in a high flood-risk zone
1.8%

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 Dickinson County.

Everything about Dickinson County

Buying

Buying a home in Kingsford

A typical home in Kingsford is worth $132,100: 14% below the county and 43% below Michigan. With the typical household income in Kingsford ($61,635 a year), a typical home costs 2.1 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.

  • Kingsford 2.1 years
  • Dickinson 2.4 years
  • Michigan 3.2 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Dickinson County

According to FHFA’s house price index, home prices in Dickinson County rose 89% in the 10 years through 2025.

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

Period County Michigan U.S.
Last year (2025) +5.2% +4.7% +2.9%
5 years (2020–2025) +63% +52% +47%
10 years (2015–2025) +89% +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

Kingsford next to Dickinson 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
  • Kingsford $132,100
  • Dickinson $153,300
  • Michigan $231,600
  • United States $332,700
Typical monthly rent
  • Kingsford $917
  • Dickinson $797
  • Michigan $1,129
  • United States $1,413
Typical yearly household income
  • Kingsford $61,635
  • Dickinson $65,156
  • Michigan $72,875
  • United States $80,734
See the full table
Kingsford next to Dickinson County and Michigan
Measure Kingsford Dickinson County Michigan U.S.
Typical home value $132,100 $153,300 $231,600 $332,700
Typical monthly rent $917 $797 $1,129 $1,413
Typical yearly household income $61,635 $65,156 $72,875 $80,734
Households that own their home 76% 82% 73% 65%
Typical yearly property tax $2,238 $1,940 $2,904 $3,119
Effective property tax rate 1.69% 1.27% 1.25% 0.94%
Renters with high rent for their income 42% 49% 50% 51%

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

For a typical $132,100 home in Kingsford, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Kingsford's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,178a month

    Least cash to close
    Down payment
    $4,624
    Cash to close
    $8,587
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $58

  • Conventional, 5% down $1,154a month

    Down payment
    $6,605
    Cash to close
    $10,568
    Rate
    7.18%
    Mortgage insurance
    PMI · $63

  • Conventional, 20% down, no PMI $957a month

    Down payment
    $26,420
    Cash to close
    $30,383
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,079a month

    Down payment
    $19,815
    Cash to close
    $23,778
    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 Kingsford and for Dickinson County.

Property tax

Effective rate in Kingsford

1.69%of the home’s value each year

$2,238 a year for the typical owner in Kingsford.

  • Kingsford 1.69%
  • Dickinson 1.27%
  • 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 Dickinson County

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

Homes in the high-risk zone
1.8%
233
Of those, with NFIP insurance
9%
County Michigan U.S.
Homes in the high-risk zone 1.8% 1.6% 3.5%
Of those, with NFIP insurance 9% 18% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Kingsford

Typical rent in Kingsford is $917 a month: 15% above the county. In Kingsford, 42% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Dickinson County, by unit size. To pay the 2-bedroom one ($1,014 a month) without spending more than 30% of your income, you would need to earn $19.50 an hour working full time.

HUD fair market rent for all of Dickinson 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 $723 $13.90 $28,920
1 bedroom $879 $16.90 $35,160
2 bedrooms $1,014 $19.50 $40,560
3 bedrooms $1,258 $24.19 $50,320
4 bedrooms $1,469 $28.25 $58,760

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 Kingsford

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Kingsford is in ZIP code 49802.

For 2 bedrooms it is $1,190: $176 more than the fair market rent for Dickinson County ($1,014).

  • 49802 $1,190$1,480

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

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

  • Kingsford Housing Commission 1025 Woodward Ave, Kingsford 49802 69 low-income homes · Run by Kingsford Housing Commission · Average payment: $508 a month · Homes at several sites (906) 774-2771
  • Westwood Apartments 207 S Westwood Ave, Kingsford 49802 32 low-income homes · For families
  • Pine Grove Apts 654 S Westwood Ave, Kingsford 49802 24 homes, 23 low-income · 1 bd: 10 · 2 bd: 14 · In service since 1991

See all 7 buildings in Dickinson County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Kingsford

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 Dickinson County. The nearest ones are below; many serve by phone or online.

A young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in Kingsford

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

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

  • Legal Services of Northern Michigan, Inc.

    504 Ludington St, Escanaba · 51 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 8 more
    906-786-2303-3

  • Northwest Michigan Community Action Agency, Inc

    3963 3 Mile Rd N, Traverse City · 144 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 9 more
    (231) 947-3780

  • Northern Homes Community Development Corporation

    900 Emmet St, Petoskey · 155 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (231) 582-6244

All counseling agencies in Michigan

Help in Spanish near Kingsford

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 Kingsford

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

One other authority has an office in Dickinson County: see the list Source: HUD

Cities

Other cities in Dickinson County

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

Everything about Dickinson County Housing in Michigan

Nearby cities

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

Neighboring counties

If Dickinson 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 Kingsford.

All guides
A smiling girl holds up a small mushroom she found on a forest outing.

Questions

Housing questions about Kingsford

Short answers with the numbers for Kingsford and all of Dickinson 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 Kingsford?

The typical home value in Kingsford is $132,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Dickinson County it is $153,300.

How much does it cost to rent in Kingsford?

Typical rent in Kingsford is $917 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Dickinson County is $1,014.

What is the FHA loan limit in Kingsford?

Kingsford uses the FHA limit for all of Dickinson 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 Kingsford?

The typical homeowner in Kingsford pays $2,238 a year, according to the U.S. Census Bureau. That is 1.69% of the home’s value; in Dickinson County, the rate is 1.27%.

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

We found no HUD-approved counseling agencies with an office in Dickinson 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).