Español

Este sitio también está en español. Leer en español

City · 77,089 residents · Oakland County, Michigan

Rochester Hills , Michigan

In Rochester Hills, a typical home is worth $409,800 and typical rent is $1,644 a month. Compared with all of Oakland County, typical household income is 23% higher and typical rent is 19% higher.

WhatsApp

  • Typical home value

    $409,800

    19% above the county

    77% above Michigan

    • Rochester Hills
    • Oakland
    • Michigan

  • Typical rent

    $1,644a month

    19% above the county

    46% above Michigan

    • Rochester Hills
    • Oakland
    • Michigan

  • Typical household income

    $120,694a year

    23% above the county

    66% above Michigan

    • Rochester Hills
    • Oakland
    • Michigan

  • Households that own their home

    77%

    4 points above the county

    3 points above Michigan

    • Rochester Hills
    • Oakland
    • Michigan

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

Market now, with Zillow data

Zillow data
Typical home value
$465,990
3.3% more than 12 months ago
Typical rent
$1,772 a month
0.5% more than 12 months ago

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

Rochester Hills is in Oakland 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 Oakland County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Rochester Hills apart

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

  1. Nearby, in Pontiac, the typical home value is $121,700: 70% less than in Rochester Hills ($409,800).

  2. Nearby, in Pontiac, the typical rent is $1,063: 35% less than in Rochester Hills ($1,644).

  3. The typical household income in Rochester Hills is $120,694, 23% more than in Oakland County as a whole ($97,760).

  4. Rochester Hills has the 11th highest typical rent of the 175 cities in Michigan with more than 5,000 people ($1,644).

  5. The typical home in Rochester Hills is worth $409,800, 19% more than in Oakland County as a whole ($343,600).

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

The homes here

Housing in Rochester Hills

What homes there are in Rochester Hills, 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 Rochester Hills, 7 in 10 homes are single-family detached houses, about the same as in Oakland County.

Year built

Here half of the homes date from 1984 or later; in Oakland County, from 1975 or later.

Homes in Rochester Hills are bigger: 69% have 3 bedrooms or more; in Oakland County, 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

By price, most homes in Rochester Hills sit under the FHA limit for Oakland County ($541,287): about 77%.

Monthly rent with utilities

With a mortgage

$2,208 a month

Oakland County: $1,998 a month

Without a mortgage

$839 a month

Oakland County: $778 a month

Owners with a mortgage

63%

Oakland County: 65%

In Rochester Hills, 63% of owners have a mortgage, and their typical cost is $2,208 a month, against $1,998 in Oakland County. Without one it drops to $839.

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, home values in Rochester Hills rose at about the same pace as in Oakland County: 39% against 42%.

The typical rent in Rochester Hills rose 28% since 2015–2019, about the same as in Oakland County (27%).

To compare: typical income in Rochester Hills rose 29%; the home, +39%; the rent, +28%.

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

MeasureRochester HillsOakland CountyMichiganUnited States
Rental vacancy 6.9%7.4%5.1%5.5%
Homeowner vacancy Unreliable estimate0.4%0.8%0.9%
More than one person per room Unreliable estimate1.2%1.6%3.4%
People per household 2.542.392.422.53
Drive alone 67%71%74%69%
Carpool 6%6%8%9%
Public transit Unreliable estimate0%1%3%
Walk or bike 2%1%2%3%
Work from home 24%20%14%15%
Other means 1%1%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in Oakland County, the rental vacancy rate in Rochester Hills is 6.9%.

More people live in each home here: 2.54 on average, against 2.39 in Oakland County.

Many people here do not commute at all: 24% work from home; in Oakland County, 20%.

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 Rochester Hills?

A typical home is tight for the typical income

We start with a typical home in Rochester Hills, worth $409,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 34% of the typical household income in Rochester Hills, which is $120,694 a year. For that payment to be 28% of income, a household would need to earn about $148,153 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Rochester Hills. 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 $14,343 (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

$3,457

at 7.18% · 30 years

Loan amount
$402,377
Total interest
$578,927
Paid off in
November 2056

Includes $6,920 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,816 a month

  • Tight

    $2,816 to $3,621 a month

    Your payment · 34%

  • Hard

    more than $3,621 a month

Compared with the typical household income in Rochester Hills ($120,694 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,457
Principal & interest$2,726
Property tax$379
Home insurance$171
FHA mortgage insurance (MIP)$181

You need at least $14,343 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

Rochester Hills and Oakland County

Rochester Hills is in Oakland 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).

Rochester Hills's own numbers

Typical home value
$409,800
Typical monthly rent
$1,644
Typical yearly household income
$120,694
Households that own their home
77%
Effective property tax rate
1.11%

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

Numbers for all of Oakland 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)
+45%
Homes in a high flood-risk zone
0.4%

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 Oakland County.

Everything about Oakland County

Buying

Buying a home in Rochester Hills

A typical home in Rochester Hills is worth $409,800: 19% above the county and 77% above Michigan. With the typical household income in Rochester Hills ($120,694 a year), a typical home costs 3.4 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.

  • Rochester Hills 3.4 years
  • Oakland 3.5 years
  • Michigan 3.2 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Oakland County

According to FHFA’s house price index, home prices in Oakland County rose 85% in the 10 years through 2025.

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

Period County Michigan U.S.
Last year (2025) +4.2% +4.7% +2.9%
5 years (2020–2025) +45% +52% +47%
10 years (2015–2025) +85% +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

Rochester Hills next to Oakland 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
  • Rochester Hills $409,800
  • Oakland $343,600
  • Michigan $231,600
  • United States $332,700
Typical monthly rent
  • Rochester Hills $1,644
  • Oakland $1,376
  • Michigan $1,129
  • United States $1,413
Typical yearly household income
  • Rochester Hills $120,694
  • Oakland $97,760
  • Michigan $72,875
  • United States $80,734
See the full table
Rochester Hills next to Oakland County and Michigan
Measure Rochester Hills Oakland County Michigan U.S.
Typical home value $409,800 $343,600 $231,600 $332,700
Typical monthly rent $1,644 $1,376 $1,129 $1,413
Typical yearly household income $120,694 $97,760 $72,875 $80,734
Households that own their home 77% 73% 73% 65%
Typical yearly property tax $4,540 $4,371 $2,904 $3,119
Effective property tax rate 1.11% 1.27% 1.25% 0.94%
Renters with high rent for their income 41% 45% 50% 51%

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

For a typical $409,800 home in Rochester Hills, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Rochester Hills's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,457a month

    Least cash to close
    Down payment
    $14,343
    Cash to close
    $26,637
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $181

  • Conventional, 5% down $3,382a month

    Down payment
    $20,490
    Cash to close
    $32,784
    Rate
    7.18%
    Mortgage insurance
    PMI · $195

  • Conventional, 20% down, no PMI $2,771a month

    Down payment
    $81,960
    Cash to close
    $94,254
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,150a month

    Down payment
    $61,470
    Cash to close
    $73,764
    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 Rochester Hills and for Oakland County.

Property tax

Effective rate in Rochester Hills

1.11%of the home’s value each year

$4,540 a year for the typical owner in Rochester Hills.

  • Rochester Hills 1.11%
  • Oakland 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 Oakland County

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

Homes in the high-risk zone
0.4%
1,809
Of those, with NFIP insurance
21%
County Michigan U.S.
Homes in the high-risk zone 0.4% 1.6% 3.5%
Of those, with NFIP insurance 21% 18% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Rochester Hills

Typical rent in Rochester Hills is $1,644 a month: 19% above the county. In Rochester Hills, 41% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Oakland 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 Oakland 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 Rochester Hills

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Rochester Hills has 3 ZIP codes with their own.

For 2 bedrooms it runs from $1,690 in 48306 to $1,880 in 48309.

3 of the 3 are above the fair market rent for Oakland County ($1,459).

  • 48306 $1,690$2,060
  • 48307 $1,880$2,290
  • 48309 $1,880$2,290

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

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

  • Danish Village Apts 2566 Walton Blvd, Rochester Hills 48309 150 low-income homes · 1 bd: 150 · In service since 2007 · For older adults (248) 375-1810
  • Avon Towers 435 S Livernois Rd, Rochester Hills 48307 125 low-income homes · For older adults (248) 652-4394
  • Cliffview 1795 Cliffview Dr, Rochester Hills 48306 126 homes, 117 low-income · 1 bd: 102 · 2 bd: 24 · In service since 2004 · For older adults

See all 107 buildings in Oakland County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Rochester Hills

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 7 HUD-approved agencies with an office in Oakland County; 5 say they serve in Spanish.

A grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Rochester Hills

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

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

  • Community Housing Network, Inc

    5505 Corporate Dr Ste 300, Troy · 5 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

  • Habitat for Humanity of Oakland County, Inc.

    150 Osmun St, Pontiac · 7 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 5 more
    (248) 338-1843

  • Oakland Livingston Human Service Agency

    196 Cesar E Chavez Ave, Pontiac · 7 miles away · Spanish

    Also serves in other languages.

    • Mortgage delinquency workshops
    • Budget and credit workshops
    • and 8 more
    (248) 209-2600

Every agency in Oakland County All counseling agencies in Michigan

Help in Spanish near Rochester Hills

3 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 Rochester Hills

In HUD’s record, no housing authority with an office in Oakland County is named for Rochester Hills or Oakland County.

5 other authorities have an office in Oakland County: see the list Source: HUD

Cities

Other cities in Oakland County

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

Everything about Oakland County Housing in Michigan
See 11 more cities in Oakland County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Rochester Hills, with the typical home value.

Neighboring counties

If Oakland 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 Rochester Hills.

All guides
A mother and her daughters smile together on a mountain trail with a snowy peak behind them.

Questions

Housing questions about Rochester Hills

Short answers with the numbers for Rochester Hills and all of Oakland 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 Rochester Hills?

The typical home value in Rochester Hills is $409,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Oakland County it is $343,600.

How much does it cost to rent in Rochester Hills?

Typical rent in Rochester Hills is $1,644 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Oakland County is $1,459.

What is the FHA loan limit in Rochester Hills?

Rochester Hills uses the FHA limit for all of Oakland 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 Rochester Hills?

The typical homeowner in Rochester Hills pays $4,540 a year, according to the U.S. Census Bureau. That is 1.11% of the home’s value; in Oakland County, the rate is 1.27%.

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

There are 7 HUD-approved counseling agencies with an office in Oakland County. 5 say they serve in Spanish. 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).