In New Baltimore, a typical home is worth $323,200 and typical rent is $1,039 a month. Compared with all of Macomb County, typical household income is 36% higher, the typical home value is 33% higher, and the share of households that own their home is 9 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $286,663 to $358,759.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
New Baltimore is in Macomb 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 Macomb County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Mount Clemens, the typical home value is $179,400: 44% less than in New Baltimore ($323,200).
2
The typical household income in New Baltimore is $106,033,36% more than in Macomb County as a whole ($77,837).
3
The typical home in New Baltimore is worth $323,200,33% more than in Macomb County as a whole ($243,900).
4
Nearby, in Fraser, the typical rent is $843: 19% less than in New Baltimore ($1,039).
5
84% of households in New Baltimore own their home, against 75% in Macomb County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in New Baltimore
What homes there are in New Baltimore, 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
New Baltimore
Macomb County
Michigan
United States
Kind of home: New Baltimore and its comparisons
Measure
New Baltimore
Macomb County
Michigan
United States
Detached house
76%
68%
72%
61%
Attached house
7%
10%
5%
6%
Building of 2 to 4
7%
4%
5%
8%
Apartments (5 or more)
Unreliable estimate
14%
13%
19%
Mobile home
Unreliable estimate
4%
5%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house rules in New Baltimore: 76% of homes, more than in Macomb County (68%).
Year built
Before 19601960–19791980–19992000–20092010 or later
New Baltimore
Macomb County
Michigan
United States
Year built: New Baltimore and its comparisons
Measure
New Baltimore
Macomb County
Michigan
United States
Before 1960
21%
25%
36%
26%
1960–1979
13%
33%
26%
24%
1980–1999
29%
24%
22%
25%
2000–2009
31%
12%
10%
14%
2010 or later
7%
6%
6%
11%
Here half of the homes date from 1995 or later; in Macomb County, from 1975 or later.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K7%
$100K–$200K11%
$200K–$300K23%
$300K–$500K50%
$500K–$750K4%
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: New Baltimore and its comparisons
Measure
New Baltimore
Under $100K
7%
$100K–$200K
11%
$200K–$300K
23%
$300K–$500K
50%
$500K–$750K
4%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
The FHA loan limit for Macomb County is $541,287, and about 92% of owner-occupied homes in New Baltimore are worth less than that.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99922%
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: New Baltimore and its comparisons
Measure
New Baltimore
Under $500
Unreliable estimate
$500–$999
22%
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,953 a month
Macomb County: $1,628 a month
Without a mortgage
$712 a month
Macomb County: $643 a month
Owners with a mortgage
68%
Macomb County: 62%
Owning costs more in New Baltimore: with a mortgage, the typical cost is $1,953 a month; in Macomb County, $1,628. Without one, $712.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
New Baltimore+43%
Macomb County+46%
Michigan+50%
United States+53%
Typical rent
New Baltimore+40%
Macomb County+26%
Michigan+30%
United States+33%
Typical household income
New Baltimore+36%
Macomb County+24%
Michigan+28%
United States+29%
Change since 2015–2019: New Baltimore and its comparisons
Measure
New Baltimore
Macomb County
Michigan
United States
Typical home value
+43%
+46%
+50%
+53%
Typical rent
+40%
+26%
+30%
+33%
Typical household income
+36%
+24%
+28%
+29%
Much as in Macomb County, the typical home value in New Baltimore rose 43% since 2015–2019.
Since 2015–2019, the typical rent in New Baltimore rose 40%, more than in Macomb County (26%).
Here income did not keep up with housing: it rose 36%, while home values changed +43% and rent +40%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: New Baltimore and its comparisons
Measure
New Baltimore
Macomb County
Michigan
United States
Rental vacancy
Unreliable estimate
2.9%
5.1%
5.5%
Homeowner vacancy
Unreliable estimate
0.7%
0.8%
0.9%
More than one person per room
Unreliable estimate
1.8%
1.6%
3.4%
People per household
2.56
2.43
2.42
2.53
Drive alone
84%
76%
74%
69%
Carpool
Unreliable estimate
8%
8%
9%
Public transit
Unreliable estimate
1%
1%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
11%
13%
14%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
30 to 39 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
On average, a household in New Baltimore has 2.56 people, more than in Macomb County (2.43).
In New Baltimore, 84% of workers drive alone to work; in Macomb County, 76%.
Do the math
What would you pay each month for a home in New Baltimore?
A typical home is tight for the typical income
We start with a typical home in New Baltimore, worth $323,200, 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 New Baltimore, which is $106,033 a year. For that payment to be 28% of income, a household would need to earn about $119,385 a year.
The calculator's FHA and conventional loan limits are those of all of Macomb 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 New Baltimore. 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 $11,312 (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
$2,786
at 7.18% · 30 years
Loan amount
$317,346
Total interest
$456,587
Paid off in
November 2056
Includes $5,458 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,474 a month
Tight
$2,474 to $3,181 a month
Your payment · 32%
Hard
more than $3,181 a month
Compared with the typical household income in New Baltimore ($106,033 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,150
Property tax
$358
Home insurance
$135
FHA mortgage insurance (MIP)
$143
You need at least $11,312 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 $2,786; principal and interest $2,150.
The city and its county
New Baltimore and Macomb County
New Baltimore is in Macomb 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).
New Baltimore
Map of Macomb County, Michigan, with New Baltimore marked. Around it, the neighboring counties.
New Baltimore
Macomb County
Other cities with a page
New Baltimore's own numbers
Typical home value
$323,200
Typical monthly rent
$1,039
Typical yearly household income
$106,033
Households that own their home
84%
Effective property tax rate
1.33%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Macomb County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,459
Price change over 5 years (FHFA)
+47%
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 Macomb County.
A typical home in New Baltimore is worth $323,200: 33% above the county and 40% above Michigan. With the typical household income in New Baltimore ($106,033 a year), a typical home costs 3.0 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.
New Baltimore3.0 years
Macomb3.1 years
Michigan3.2 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Macomb County
According to FHFA’s house price index, home prices in Macomb County rose 92% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Macomb County.
Yearly change in FHFA’s price index in Macomb County, 2016 to 2025
2016: +5.5% +5.5% 2016
2017: +7.4% +7.4% 2017
2018: +6.5% +6.5% 2018
2019: +4.5% +4.5% 2019
2020: +3.6% +3.6% 2020
2021: +12.4% +12.4% 2021
2022: +11.7% +11.7% 2022
2023: +5.3% +5.3% 2023
2024: +6.8% +6.8% 2024
2025: +4.1% +4.1% 2025
Change in FHFA’s price index in Macomb County, Michigan and the United States
Period
County
Michigan
U.S.
Last year (2025)
+4.1%
+4.7%
+2.9%
5 years (2020–2025)
+47%
+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
New Baltimore next to Macomb 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
New Baltimore$323,200
Macomb$243,900
Michigan$231,600
United States$332,700
Typical monthly rent
New Baltimore$1,039
Macomb$1,211
Michigan$1,129
United States$1,413
Typical yearly household income
New Baltimore$106,033
Macomb$77,837
Michigan$72,875
United States$80,734
See the full table
New Baltimore next to Macomb County and Michigan
Measure
New Baltimore
Macomb County
Michigan
U.S.
Typical home value
$323,200 ▲33% above the county
$243,900
$231,600
$332,700
Typical monthly rent
$1,039 ▼14% below the county
$1,211
$1,129
$1,413
Typical yearly household income
$106,033 ▲36% above the county
$77,837
$72,875
$80,734
Households that own their home
84% ▲9 points above the county
75%
73%
65%
Typical yearly property tax
$4,310 ▲27% above the county
$3,404
$2,904
$3,119
Effective property tax rate
1.33% ▼0.07 points below the county
1.4%
1.25%
0.94%
Renters with high rent for their income
62% ▲11 points above the county
51%
50%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Macomb 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 New Baltimore
For a typical $323,200 home in New Baltimore, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, New Baltimore's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,786a month
Least cash to close
Down payment
$11,312
Cash to close
$21,008
Rate
7.18%
Mortgage insurance
FHA MIP · $143
Conventional, 5% down$2,726a month
Down payment
$16,160
Cash to close
$25,856
Rate
7.18%
Mortgage insurance
PMI · $154
Conventional, 20% down, no PMI$2,244a month
Down payment
$64,640
Cash to close
$74,336
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,543a month
Down payment
$48,480
Cash to close
$58,176
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in New Baltimore
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,786
$11,312
$317,346
7.18%
FHA MIP · $143
$21,008
580
Conventional, 5% down
$2,726
$16,160
$307,040
7.18%
PMI · $154
$25,856
620*
Conventional, 20% down, no PMI
$2,244
$64,640
$258,560
7.18%
None
$74,336
620*
ITIN, 15% down (example)
$2,543
$48,480
$274,720
8.18%
None
$58,176
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 New Baltimore is $1,039 a month: 14% below the county. In New Baltimore, 62% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Macomb County, by unit size. To pay the 2-bedroom one ($1,459 a month) without spending more than 30% of your income, you would need to earn $28.06 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 Macomb County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,047
$20.13
$41,880
1 bedroom
$1,167
$22.44
$46,680
2 bedrooms
$1,459
$28.06
$58,360
3 bedrooms
$1,777
$34.17
$71,080
4 bedrooms
$1,929
$37.10
$77,160
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 New Baltimore
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). New Baltimore is in ZIP code 48047.
For 2 bedrooms it is $1,340: $119 less than the fair market rent for Macomb County ($1,459).
Fair market rent by ZIP code and size in New Baltimore, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
48047
$960
$1,070
$1,340
$1,630
$1,770
ZIP code2 bd3 bd
48047 $1,340$1,630
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for New Baltimore 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 Macomb County; none says it serves in Spanish.
No down payment, repair or rent-help program on our list is for New Baltimore or Macomb County. The ones below are statewide in Michigan: they work in New Baltimore 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).
The HUD-approved agencies closest to the center of New Baltimore, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
MM
Msue- Macomb County (clinton Township)
21885 Dunham Rd., Suite 12, Clinton TWP · 9 miles away
No legal help resource on our list is for New Baltimore or Macomb 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 New Baltimore and all of Macomb 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 New Baltimore?
The typical home value in New Baltimore is $323,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Macomb County it is $243,900.
How much does it cost to rent in New Baltimore?
Typical rent in New Baltimore is $1,039 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Macomb County is $1,459.
What is the FHA loan limit in New Baltimore?
New Baltimore uses the FHA limit for all of Macomb 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 New Baltimore?
The typical homeowner in New Baltimore pays $4,310 a year, according to the U.S. Census Bureau. That is 1.33% of the home’s value; in Macomb County, the rate is 1.4%.
Where can I find free help to buy or rent in New Baltimore?
There are 2 HUD-approved counseling agencies with an office in Macomb County. They can help you get ready to buy, with your credit, or with rent.
