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City · 6,475 residents · Macomb County, Michigan

New Haven , Michigan

In New Haven, a typical home is worth $209,000. Compared with all of Macomb County, typical household income is 15% lower and the typical home value is 14% lower.

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  • Typical home value

    $209,000

    14% below the county

    10% below Michigan

    • New Haven
    • Macomb
    • Michigan

  • Typical household income

    $66,125a year

    15% below the county

    9% below Michigan

    • New Haven
    • Macomb
    • Michigan

  • Households that own their home

    77%

    2 points above the county

    4 points above Michigan

    • New Haven
    • Macomb
    • Michigan

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

Market now, with Zillow data

Zillow data
Typical home value
$312,995
1.8% more than 12 months ago

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

New Haven 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

Data updated: October 1, 2026 11 official sources

Only here

What sets New Haven apart

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

  1. The typical household income in New Haven is $66,125, 15% less than in Macomb County as a whole ($77,837).

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

The homes here

Housing in New Haven

What homes there are in New Haven, 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

In New Haven, 6 in 10 homes are single-family detached houses; in Macomb County, 7.

In New Haven there are many mobile homes: 33% of homes; in Macomb County, 4%.

Year built

Here half of the homes date from 2002 or later; in Macomb County, from 1975 or later.

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

$1,872 a month

Macomb County: $1,628 a month

Without a mortgage

$850 a month

Macomb County: $643 a month

Owners with a mortgage

74%

Macomb County: 62%

The typical cost for an owner with a mortgage in New Haven is $1,872 a month, more than in Macomb County ($1,628); without one, $850.

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 New Haven rose 73% since 2015–2019, more than in Macomb County (46%).

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

MeasureNew HavenMacomb CountyMichiganUnited States
Rental vacancy Unreliable estimate2.9%5.1%5.5%
Homeowner vacancy Unreliable estimate0.7%0.8%0.9%
More than one person per room Unreliable estimate1.8%1.6%3.4%
People per household 3.242.432.422.53
Drive alone 76%76%74%69%
Carpool Unreliable estimate8%8%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home Unreliable estimate13%14%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in New Haven are bigger: 3.24 people on average; in Macomb County, 2.43.

To get to work, 76% of workers in New Haven drive alone; in Macomb County, 76%.

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 New Haven?

A typical home is tight for the typical income

We start with a typical home in New Haven, worth $209,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 33% of the typical household income in New Haven, which is $66,125 a year. For that payment to be 28% of income, a household would need to earn about $78,769 a year.

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

Your numbers

Local data
$

Starts at the typical home value in New Haven. 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 $7,315 (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

$1,838

at 7.18% · 30 years

Loan amount
$205,214
Total interest
$295,256
Paid off in
November 2056

Includes $3,529 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,543 a month

  • Tight

    $1,543 to $1,984 a month

    Your payment · 33%

  • Hard

    more than $1,984 a month

Compared with the typical household income in New Haven ($66,125 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,838
Principal & interest$1,390
Property tax$268
Home insurance$87
FHA mortgage insurance (MIP)$92

You need at least $7,315 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

New Haven and Macomb County

New Haven 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 Haven's own numbers

Typical home value
$209,000
Typical yearly household income
$66,125
Households that own their home
77%
Effective property tax rate
1.54%

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.

Everything about Macomb County

Buying

Buying a home in New Haven

A typical home in New Haven is worth $209,000: 14% below the county and 10% below Michigan. With the typical household income in New Haven ($66,125 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.

  • New Haven 3.2 years
  • Macomb 3.1 years
  • Michigan 3.2 years
  • United States 4.1 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.

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 Haven 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 Haven $209,000
  • Macomb $243,900
  • Michigan $231,600
  • United States $332,700
Typical yearly household income
  • New Haven $66,125
  • Macomb $77,837
  • Michigan $72,875
  • United States $80,734
See the full table
New Haven next to Macomb County and Michigan
Measure New Haven Macomb County Michigan U.S.
Typical home value $209,000 $243,900 $231,600 $332,700
Typical yearly household income $66,125 $77,837 $72,875 $80,734
Households that own their home 77% 75% 73% 65%
Typical yearly property tax $3,214 $3,404 $2,904 $3,119
Effective property tax rate 1.54% 1.4% 1.25% 0.94%

“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 Haven

For a typical $209,000 home in New Haven, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, New Haven's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,838a month

    Least cash to close
    Down payment
    $7,315
    Cash to close
    $13,585
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $92

  • Conventional, 5% down $1,800a month

    Down payment
    $10,450
    Cash to close
    $16,720
    Rate
    7.18%
    Mortgage insurance
    PMI · $99

  • Conventional, 20% down, no PMI $1,488a month

    Down payment
    $41,800
    Cash to close
    $48,070
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,681a month

    Down payment
    $31,350
    Cash to close
    $37,620
    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 New Haven and for Macomb County.

Property tax

Effective rate in New Haven

1.54%of the home’s value each year

$3,214 a year for the typical owner in New Haven.

  • New Haven 1.54%
  • Macomb 1.4%
  • 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 Macomb County

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

Homes in the high-risk zone
1.2%
3,449
Of those, with NFIP insurance
30%
County Michigan U.S.
Homes in the high-risk zone 1.2% 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 New Haven

The Census Bureau publishes no typical rent for New Haven. Below are the fair market rents for Macomb County.

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.

HUD fair market rent for all of Macomb 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 $1,047 $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 Haven

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). New Haven is in ZIP code 48048.

For 2 bedrooms it is $1,650: $191 more than the fair market rent for Macomb County ($1,459).

  • 48048 $1,650$2,010

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 Haven 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 New Haven

HUD lists 4 buildings with rents for lower incomes in New Haven. These are the largest.

  • Pinewoods 30001 John Rivers Dr, New Haven 48048 88 low-income homes · Run by New Haven Housing Commission · Average payment: $486 a month · Average wait: 32 months (586) 749-6570
  • Bramblewood Senior Apts 31950 Clark St, New Haven 48048 32 low-income homes · 1 bd: 28 · 2 bd: 4 · In service since 2001 · For older adults
  • Perry Acres 32500 James Curtin Dr, New Haven 48048 24 low-income homes · For families
  • Perry Acres Apts 32560 James Curtin Dr, New Haven 48048 24 low-income homes · 1 bd: 6 · 2 bd: 11 · 3 bd: 7 · In service since 2004 · For families

See all 58 buildings in Macomb County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in New Haven

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.

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 New Haven

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

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

  • Msue- Macomb County (clinton Township)

    21885 Dunham Rd., Suite 12, Clinton TWP · 9 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 3 more
    (586) 469-7609

  • Community Housing Network, Inc

    5505 Corporate Dr Ste 300, Troy · 21 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 7 more
    (248) 269-1333

  • Msue- Macomb County (WARREN)

    11370 Hupp Avenue, Warren · 22 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 3 more
    (586) 469-7609

Every agency in Macomb County All counseling agencies in Michigan

Help in Spanish near New Haven

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 New Haven

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

6 other authorities have an office in Macomb County: see the list Source: HUD

Cities

Other cities in Macomb County

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

Everything about Macomb County Housing in Michigan

Nearby cities

The cities closest to New Haven, with the typical home value.

Neighboring counties

If Macomb 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 New Haven.

All guides
Two parents walk hand in hand with their little daughter.

Questions

Housing questions about New Haven

Short answers with the numbers for New Haven 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 Haven?

The typical home value in New Haven is $209,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Macomb County it is $243,900.

What is the FHA loan limit in New Haven?

New Haven 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 Haven?

The typical homeowner in New Haven pays $3,214 a year, according to the U.S. Census Bureau. That is 1.54% 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 Haven?

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.

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).