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City · 37,226 residents · Muskegon County, Michigan

Muskegon , Michigan

In Muskegon, a typical home is worth $142,300 and typical rent is $996 a month. Compared with all of Muskegon County, typical household income is 31% lower, the typical home value is 28% lower, and the share of households that own their home is 25 points lower.

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  • Typical home value

    $142,300

    28% below the county

    39% below Michigan

    • Muskegon
    • County
    • Michigan

  • Typical rent

    $996a month

    3% below the county

    12% below Michigan

    • Muskegon
    • County
    • Michigan

  • Typical household income

    $44,735a year

    31% below the county

    39% below Michigan

    • Muskegon
    • County
    • Michigan

  • Households that own their home

    53%

    25 points below the county

    20 points below Michigan

    • Muskegon
    • County
    • Michigan

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

Market now, with Zillow data

Zillow data
Typical home value
$191,113
2.5% more than 12 months ago
Typical rent
$1,200 a month
5.5% more than 12 months ago

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

Muskegon is in Muskegon 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 Muskegon County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Muskegon apart

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

  1. 53% of households in Muskegon own their home, against 78% in Muskegon County.

  2. Nearby, in Muskegon Heights, the typical home value is $68,000: 52% less than in Muskegon ($142,300).

  3. The typical household income in Muskegon is $44,735, 31% less than in Muskegon County as a whole ($65,024).

  4. The typical home in Muskegon is worth $142,300, 28% less than in Muskegon County as a whole ($198,300).

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

The homes here

Housing in Muskegon

What homes there are in Muskegon, 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 Muskegon, but it weighs less than in Muskegon County: 67% against 78%.

Year built

Homes in Muskegon are older: the typical year built is 1951; in Muskegon County, 1969.

There are fewer big homes in Muskegon than in Muskegon County: 47% have 3 bedrooms or more, against 66%.

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

About 96% of owner-occupied homes in Muskegon are worth less than the FHA loan limit for Muskegon County ($541,287).

Monthly rent with utilities

About 72% of rented homes in Muskegon cost less than HUD's 2-bedroom fair market rent for Muskegon County ($1,285).

With a mortgage

$1,064 a month

Muskegon County: $1,334 a month

Without a mortgage

$443 a month

Muskegon County: $520 a month

Owners with a mortgage

52%

Muskegon County: 57%

Owning costs less in Muskegon: with a mortgage, the typical cost is $1,064 a month; in Muskegon County, $1,334. Without one, $443.

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

Since 2015–2019, homes in Muskegon gained value faster than in Muskegon County: 95% against 68%.

The typical rent in Muskegon rose 41% over the same time; in Muskegon County, it rose 35%.

Housing prices ran ahead of income in Muskegon: typical income rose 38%, against +95% for home values and +41% 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

MeasureMuskegonMuskegon CountyMichiganUnited States
Rental vacancy 7.7%7.4%5.1%5.5%
Homeowner vacancy Unreliable estimate0.9%0.8%0.9%
More than one person per room Unreliable estimate1.5%1.6%3.4%
People per household 2.342.512.422.53
Drive alone 78%81%74%69%
Carpool 11%9%8%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike 4%1%2%3%
Work from home 6%7%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 Muskegon County, the rental vacancy rate in Muskegon is 7.7%.

Households in Muskegon are smaller: 2.34 people on average; in Muskegon County, 2.51.

In Muskegon, 78% of workers drive alone to work; in Muskegon County, 81%.

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 Muskegon?

A typical home is tight for the typical income

We start with a typical home in Muskegon, worth $142,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 32% of the typical household income in Muskegon, which is $44,735 a year. For that payment to be 28% of income, a household would need to earn about $51,039 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Muskegon. 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 $4,981 (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

$1,191

at 7.18% · 30 years

Loan amount
$139,722
Total interest
$201,027
Paid off in
November 2056

Includes $2,403 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,044 a month

  • Tight

    $1,044 to $1,342 a month

    Your payment · 32%

  • Hard

    more than $1,342 a month

Compared with the typical household income in Muskegon ($44,735 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,191
Principal & interest$947
Property tax$122
Home insurance$59
FHA mortgage insurance (MIP)$63

You need at least $4,981 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

Muskegon and Muskegon County

Muskegon is in Muskegon 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).

Muskegon's own numbers

Typical home value
$142,300
Typical monthly rent
$996
Typical yearly household income
$44,735
Households that own their home
53%
Effective property tax rate
1.03%

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

Numbers for all of Muskegon County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,285
Price change over 5 years (FHFA)
+70%
Homes in a high flood-risk zone
1.2%

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 Muskegon County.

Everything about Muskegon County

Buying

Buying a home in Muskegon

A typical home in Muskegon is worth $142,300: 28% below the county and 39% below Michigan. With the typical household income in Muskegon ($44,735 a year), a typical home costs 3.2 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.

  • Muskegon 3.2 years
  • County 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 Muskegon County

According to FHFA’s house price index, home prices in Muskegon County rose 142% in the 10 years through 2025.

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

Period County Michigan U.S.
Last year (2025) +6.7% +4.7% +2.9%
5 years (2020–2025) +70% +52% +47%
10 years (2015–2025) +142% +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

Muskegon next to Muskegon 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
  • Muskegon $142,300
  • County $198,300
  • Michigan $231,600
  • United States $332,700
Typical monthly rent
  • Muskegon $996
  • County $1,028
  • Michigan $1,129
  • United States $1,413
Typical yearly household income
  • Muskegon $44,735
  • County $65,024
  • Michigan $72,875
  • United States $80,734
See the full table
Muskegon next to Muskegon County and Michigan
Measure Muskegon Muskegon County Michigan U.S.
Typical home value $142,300 $198,300 $231,600 $332,700
Typical monthly rent $996 $1,028 $1,129 $1,413
Typical yearly household income $44,735 $65,024 $72,875 $80,734
Households that own their home 53% 78% 73% 65%
Typical yearly property tax $1,468 $2,348 $2,904 $3,119
Effective property tax rate 1.03% 1.18% 1.25% 0.94%
Renters with high rent for their income 55% 53% 50% 51%

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

For a typical $142,300 home in Muskegon, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Muskegon's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,191a month

    Least cash to close
    Down payment
    $4,981
    Cash to close
    $9,250
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $63

  • Conventional, 5% down $1,165a month

    Down payment
    $7,115
    Cash to close
    $11,384
    Rate
    7.18%
    Mortgage insurance
    PMI · $68

  • Conventional, 20% down, no PMI $953a month

    Down payment
    $28,460
    Cash to close
    $32,729
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,084a month

    Down payment
    $21,345
    Cash to close
    $25,614
    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 Muskegon and for Muskegon County.

Property tax

Effective rate in Muskegon

1.03%of the home’s value each year

$1,468 a year for the typical owner in Muskegon.

  • Muskegon 1.03%
  • County 1.18%
  • 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 Muskegon County

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

Homes in the high-risk zone
1.2%
772
Of those, with NFIP insurance
5.1%
County Michigan U.S.
Homes in the high-risk zone 1.2% 1.6% 3.5%
Of those, with NFIP insurance 5.1% 18% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Muskegon

Typical rent in Muskegon is $996 a month: 3% below the county. In Muskegon, 55% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Muskegon County, by unit size. To pay the 2-bedroom one ($1,285 a month) without spending more than 30% of your income, you would need to earn $24.71 an hour working full time.

HUD fair market rent for all of Muskegon 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 $937 $18.02 $37,480
1 bedroom $982 $18.88 $39,280
2 bedrooms $1,285 $24.71 $51,400
3 bedrooms $1,534 $29.50 $61,360
4 bedrooms $1,689 $32.48 $67,560

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 Muskegon

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

For 2 bedrooms it runs from $1,120 in 49440 to $1,390 in 49441.

1 of the 4 is above the fair market rent for Muskegon County ($1,285).

  • 49440 $1,120$1,350
  • 49441 $1,390$1,660
  • 49442 $1,200$1,430
  • 49443 $1,280$1,530

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

HUD lists 23 buildings with rents for lower incomes in Muskegon. These are the largest.

  • Bayview Tower 864 Spring St, Muskegon 49442 201 low-income homes · 1 bd: 180 · 2 bd: 21 · In service since 2013 · For older adults (231) 726-6984
  • Hickory Village Apartments 1890 Carriage Rd, Muskegon 49442 180 low-income homes · For older adults (231) 773-2811
  • Quail Meadows 725 Meadow Ln, Muskegon 49442 120 low-income homes · 1 bd: 2 · 2 bd: 82 · 3 bd: 36 · In service since 2010 · For families
  • Quail Meadows Apartments 700 S Sheridan Dr, Muskegon 49442 120 low-income homes · For families (231) 777-3013
  • Nelson Place 350 Houston Ave, Muskegon 49441 101 homes, 100 low-income · 1 bd: 90 · 2 bd: 11 · In service since 1998

See all 39 buildings in Muskegon County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Muskegon

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

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Muskegon

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

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

  • Telamon Corporation - Paw Paw Branch

    3501 Sehler St, Conklin · 20 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (919) 899-9911

  • Truenorth Community Services

    6308 S Warner Ave, Fremont · 22 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 8 more
    (231) 924-0641

  • Community Action House

    739 Paw Paw Dr, Holland · 31 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    (616) 392-2368

All counseling agencies in Michigan

Help in Spanish near Muskegon

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 Muskegon

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

  • Muskegon Housing Commission Public housing and Section 8 vouchers (231) 722-2647

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

Cities

Other cities in Muskegon County

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

Everything about Muskegon County Housing in Michigan

Nearby cities

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

Neighboring counties

If Muskegon 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 Muskegon.

All guides
A father smiles as he carries his baby on his shoulders outdoors.

Questions

Housing questions about Muskegon

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

The typical home value in Muskegon is $142,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Muskegon County it is $198,300.

How much does it cost to rent in Muskegon?

Typical rent in Muskegon is $996 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Muskegon County is $1,285.

What is the FHA loan limit in Muskegon?

Muskegon uses the FHA limit for all of Muskegon 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 Muskegon?

The typical homeowner in Muskegon pays $1,468 a year, according to the U.S. Census Bureau. That is 1.03% of the home’s value; in Muskegon County, the rate is 1.18%.

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

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