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City · 113,023 residents · Ingham County, Michigan

Lansing , Michigan

In Lansing, a typical home is worth $128,700 and typical rent is $993 a month. Compared with all of Ingham County, the typical home value is 35% lower, typical household income is 17% lower, and the share of households that own their home is 6 points lower.

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  • Typical home value

    $128,700

    35% below the county

    44% below Michigan

    • Lansing
    • Ingham
    • Michigan

  • Typical rent

    $993a month

    8% below the county

    12% below Michigan

    • Lansing
    • Ingham
    • Michigan

  • Typical household income

    $54,382a year

    17% below the county

    25% below Michigan

    • Lansing
    • Ingham
    • Michigan

  • Households that own their home

    54%

    6 points below the county

    19 points below Michigan

    • Lansing
    • Ingham
    • Michigan

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

Market now, with Zillow data

Zillow data
Typical home value
$166,379
2.1% more than 12 months ago
Typical rent
$1,197 a month
5.9% more than 12 months ago

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

Lansing is in Ingham 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 Ingham County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Lansing apart

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

  1. The typical home in Lansing is worth $128,700, 35% less than in Ingham County as a whole ($198,800).

  2. The typical household income in Lansing is $54,382, 17% less than in Ingham County as a whole ($65,526).

  3. 54% of households in Lansing own their home, against 59% in Ingham County.

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

The homes here

Housing in Lansing

What homes there are in Lansing, 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

As in Ingham County, most homes in Lansing are detached houses (62%).

Year built

Homes in Lansing are older: the typical year built is 1959; in Ingham County, 1971.

Homes in Lansing are smaller: 48% have 3 bedrooms or more; in Ingham County, 55%.

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 Lansing sit under the FHA limit for Ingham County ($541,287): about 98%.

Monthly rent with utilities

By rent, most homes in Lansing cost less than HUD's 2-bedroom fair market rent ($1,323): about 75%.

With a mortgage

$1,195 a month

Ingham County: $1,501 a month

Without a mortgage

$566 a month

Ingham County: $686 a month

Owners with a mortgage

64%

Ingham County: 63%

The typical cost for an owner with a mortgage in Lansing is $1,195 a month, less than in Ingham County ($1,501); without one, $566.

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 Lansing rose 54% since 2015–2019, more than in Ingham County (47%).

The typical rent in Lansing rose 21% since 2015–2019, about the same as in Ingham County (24%).

To compare: typical income in Lansing rose 31%; the home, +54%; the rent, +21%.

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

MeasureLansingIngham CountyMichiganUnited States
Rental vacancy 5.1%5.6%5.1%5.5%
Homeowner vacancy 1.5%1.3%0.8%0.9%
More than one person per room 2.3%1.6%1.6%3.4%
People per household 2.172.272.422.53
Drive alone 67%66%74%69%
Carpool 11%8%8%9%
Public transit 3%2%1%3%
Walk or bike 3%5%2%3%
Work from home 15%17%14%15%
Other means 1%1%1%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

Open rentals in Lansing look like those in Ingham County: the rental vacancy rate is 5.1%.

More than one person per room: that is how 2.3% of households in Lansing live, near the figure in Ingham County (1.6%).

A household in Lansing has 2.17 people on average, about the same as in Ingham County (2.27).

Carpooling is common in Lansing: 11% of workers get to work that way, against 8% in Ingham County.

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 Lansing?

A typical home is within reach of the typical income

We start with a typical home in Lansing, worth $128,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 26% of the typical household income in Lansing, which is $54,382 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Lansing. 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 $4,505 (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

$1,193

at 7.18% · 30 years

Loan amount
$126,368
Total interest
$181,814
Paid off in
November 2056

Includes $2,173 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,269 a month

    Your payment · 26%

  • Tight

    $1,269 to $1,631 a month

  • Hard

    more than $1,631 a month

Compared with the typical household income in Lansing ($54,382 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,193
Principal & interest$856
Property tax$226
Home insurance$54
FHA mortgage insurance (MIP)$57

You need at least $4,505 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

Lansing and Ingham County

Lansing is in Ingham 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).

Lansing's own numbers

Typical home value
$128,700
Typical monthly rent
$993
Typical yearly household income
$54,382
Households that own their home
54%
Effective property tax rate
2.11%

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

Numbers for all of Ingham County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,323
Price change over 5 years (FHFA)
+49%
Homes in a high flood-risk zone
1.9%

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 Ingham County.

Everything about Ingham County

Buying

Buying a home in Lansing

A typical home in Lansing is worth $128,700: 35% below the county and 44% below Michigan. With the typical household income in Lansing ($54,382 a year), a typical home costs 2.4 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.

  • Lansing 2.4 years
  • Ingham 3.0 years
  • Michigan 3.2 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Ingham County

According to FHFA’s house price index, home prices in Ingham County rose 92% in the 10 years through 2025.

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

Period County Michigan U.S.
Last year (2025) +4.8% +4.7% +2.9%
5 years (2020–2025) +49% +52% +47%
10 years (2015–2025) +92% +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

Lansing next to Ingham 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
  • Lansing $128,700
  • Ingham $198,800
  • Michigan $231,600
  • United States $332,700
Typical monthly rent
  • Lansing $993
  • Ingham $1,084
  • Michigan $1,129
  • United States $1,413
Typical yearly household income
  • Lansing $54,382
  • Ingham $65,526
  • Michigan $72,875
  • United States $80,734
See the full table
Lansing next to Ingham County and Michigan
Measure Lansing Ingham County Michigan U.S.
Typical home value $128,700 $198,800 $231,600 $332,700
Typical monthly rent $993 $1,084 $1,129 $1,413
Typical yearly household income $54,382 $65,526 $72,875 $80,734
Households that own their home 54% 59% 73% 65%
Typical yearly property tax $2,716 $3,640 $2,904 $3,119
Effective property tax rate 2.11% 1.83% 1.25% 0.94%
Renters with high rent for their income 50% 53% 50% 51%

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

For a typical $128,700 home in Lansing, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Lansing's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,193a month

    Least cash to close
    Down payment
    $4,505
    Cash to close
    $8,366
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $57

  • Conventional, 5% down $1,169a month

    Down payment
    $6,435
    Cash to close
    $10,296
    Rate
    7.18%
    Mortgage insurance
    PMI · $61

  • Conventional, 20% down, no PMI $977a month

    Down payment
    $25,740
    Cash to close
    $29,601
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,096a month

    Down payment
    $19,305
    Cash to close
    $23,166
    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 Lansing and for Ingham County.

Property tax

Effective rate in Lansing

2.11%of the home’s value each year

$2,716 a year for the typical owner in Lansing.

  • Lansing 2.11%
  • Ingham 1.83%
  • 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 Ingham County

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

Homes in the high-risk zone
1.9%
1,590
Of those, with NFIP insurance
30%
County Michigan U.S.
Homes in the high-risk zone 1.9% 1.6% 3.5%
Of those, with NFIP insurance 30% 18% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Lansing

Typical rent in Lansing is $993 a month: 8% below the county. In Lansing, 50% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Ingham County, by unit size. To pay the 2-bedroom one ($1,323 a month) without spending more than 30% of your income, you would need to earn $25.44 an hour working full time.

HUD fair market rent for all of Ingham 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 $1,036 $19.92 $41,440
1 bedroom $1,054 $20.27 $42,160
2 bedrooms $1,323 $25.44 $52,920
3 bedrooms $1,685 $32.40 $67,400
4 bedrooms $1,739 $33.44 $69,560

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 Lansing

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Lansing has 6 ZIP codes with their own.

For 2 bedrooms it runs from $1,170 in 48933 to $1,380 in 48912.

3 of the 6 are above the fair market rent for Ingham County ($1,323).

  • 48906 $1,350$1,720
  • 48910 $1,310$1,670
  • 48911 $1,210$1,540
  • 48912 $1,380$1,760
  • 48915 $1,330$1,690
  • 48933 $1,170$1,490

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

HUD lists 50 buildings with rents for lower incomes in Lansing. These are the largest.

  • Riverfront 501 N Cedar St, Lansing 48912 278 homes, 212 low-income · 1 bd: 215 · 2 bd: 63 · In service since 2016 · For older adults, families
  • Riverfront 601 N Cedar St, Lansing 48912 278 homes, 212 low-income · For families (517) 372-1082
  • Capitol Senior 500 S Pine St, Lansing 48933 200 low-income homes · 1 bd: 181 · 2 bd: 19 · In service since 2015 · For older adults (517) 482-8880
  • South Washington 3200 S Washington Ave, Lansing 48910 374 homes, 187 low-income · For families
  • Arbors at Georgetown 2010 Georgetown Blvd, Lansing 48911 160 low-income homes · 1 bd: 24 · 2 bd: 88 · 3 bd: 48 · In service since 2005 · For families

See all 74 buildings in Ingham County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Lansing

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 Ingham County; none says it serves in Spanish.

A man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Lansing

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

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

  • Capital Area Housing Partnership

    1900 S Cedar St Ste C3, Lansing · 1 miles away

    Also serves in other languages.

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 8 more
    (517) 332-4663

  • Michigan State University Extension Services

    446 W Circle Dr, East Lansing · 4 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 4 more
    (586) 469-7610

  • Habitat for Humanity of Michigan

    618 S Creyts Rd Ste B, Lansing · 4 miles away · Spanish

    Also serves in Arabic, American Sign Language (ASL), Cambodian, Cantonese, and 19 more languages.

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 11 more
    (517) 485-1006

Every agency in Ingham County All counseling agencies in Michigan

Help in Spanish near Lansing

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 Lansing

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

  • Lansing Housing Commission Public housing and Section 8 vouchers (517) 487-6550
  • Ingham County Housing Commission Public housing and Section 8 vouchers (517) 349-1643

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

Cities

Other cities in Ingham County

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

Everything about Ingham County Housing in Michigan

Nearby cities

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

Neighboring counties

If Ingham 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 Lansing.

All guides
Two girls write and draw together at the living-room table.

Questions

Housing questions about Lansing

Short answers with the numbers for Lansing and all of Ingham 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 Lansing?

The typical home value in Lansing is $128,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Ingham County it is $198,800.

How much does it cost to rent in Lansing?

Typical rent in Lansing is $993 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Ingham County is $1,323.

What is the FHA loan limit in Lansing?

Lansing uses the FHA limit for all of Ingham 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 Lansing?

The typical homeowner in Lansing pays $2,716 a year, according to the U.S. Census Bureau. That is 2.11% of the home’s value; in Ingham County, the rate is 1.83%.

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

There are 2 HUD-approved counseling agencies with an office in Ingham 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).