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City · 9,006 residents · Washtenaw County, Michigan

Saline , Michigan

In Saline, a typical home is worth $341,300 and typical rent is $1,054 a month. Compared with all of Washtenaw County, typical rent is 28% lower, the typical home value is 9% lower, and the share of households that own their home is 8 points higher.

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  • Typical home value

    $341,300

    9% below the county

    47% above Michigan

    • Saline
    • Washtenaw
    • Michigan

  • Typical rent

    $1,054a month

    28% below the county

    7% below Michigan

    • Saline
    • Washtenaw
    • Michigan

  • Typical household income

    $88,346a year

    About the same as the county

    21% above Michigan

    • Saline
    • Washtenaw
    • Michigan

  • Households that own their home

    69%

    8 points above the county

    4 points below Michigan

    • Saline
    • Washtenaw
    • Michigan

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

Market now, with Zillow data

Zillow data
Typical home value
$465,396
2.5% more than 12 months ago
Typical rent
$1,784 a month

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

Saline is in Washtenaw 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 Washtenaw County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Saline apart

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

  1. Nearby, in Tecumseh, the typical home value is $216,700: 37% less than in Saline ($341,300).

  2. The typical rent in Saline is $1,054 a month, 28% less than in Washtenaw County as a whole ($1,463).

  3. 69% of households in Saline own their home, against 62% in Washtenaw County.

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

The homes here

Housing in Saline

What homes there are in Saline, 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 rules in Saline: 64% of homes, more than in Washtenaw County (57%).

Year built

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

$1,983 a month

Washtenaw County: $2,150 a month

Without a mortgage

$918 a month

Washtenaw County: $903 a month

Owners with a mortgage

69%

Washtenaw County: 64%

Owning costs less in Saline: with a mortgage, the typical cost is $1,983 a month; in Washtenaw County, $2,150. Without one, $918.

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, the typical home value in Saline rose 34%; in Washtenaw County, it rose 42%.

The typical rent in Saline stayed about the same over that time: the difference is within the Census margin of error.

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

MeasureSalineWashtenaw CountyMichiganUnited States
Rental vacancy Unreliable estimate3.7%5.1%5.5%
Homeowner vacancy Unreliable estimate0.6%0.8%0.9%
More than one person per room Unreliable estimate1.4%1.6%3.4%
People per household 2.212.332.422.53
Drive alone 72%59%74%69%
Carpool Unreliable estimate7%8%9%
Public transit Unreliable estimate4%1%3%
Walk or bike Unreliable estimate7%2%3%
Work from home 23%23%14%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Saline has 2.21 people, fewer than in Washtenaw County (2.33).

To get to work, 72% of workers in Saline drive alone; in Washtenaw County, 59%.

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 Saline?

A typical home costs more than the typical income allows

We start with a typical home in Saline, worth $341,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 42% of the typical household income in Saline, which is $88,346 a year. For that payment to be 28% of income, a household would need to earn about $131,556 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Saline. 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 $11,946 (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

$3,070

at 7.18% · 30 years

Loan amount
$335,118
Total interest
$482,156
Paid off in
November 2056

Includes $5,764 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,061 a month

  • Tight

    $2,061 to $2,650 a month

  • Hard

    more than $2,650 a month

    Your payment · 42%

Compared with the typical household income in Saline ($88,346 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,070
Principal & interest$2,270
Property tax$506
Home insurance$142
FHA mortgage insurance (MIP)$151

You need at least $11,946 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

Saline and Washtenaw County

Saline is in Washtenaw 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).

Saline's own numbers

Typical home value
$341,300
Typical monthly rent
$1,054
Typical yearly household income
$88,346
Households that own their home
69%
Effective property tax rate
1.78%

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

Numbers for all of Washtenaw County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,804
Price change over 5 years (FHFA)
+44%
Homes in a high flood-risk zone
0.7%

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 Washtenaw County.

Everything about Washtenaw County

Buying

Buying a home in Saline

A typical home in Saline is worth $341,300: 9% below the county and 47% above Michigan. With the typical household income in Saline ($88,346 a year), a typical home costs 3.9 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.

  • Saline 3.9 years
  • Washtenaw 4.2 years
  • Michigan 3.2 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Washtenaw County

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

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

Period County Michigan U.S.
Last year (2025) +4.2% +4.7% +2.9%
5 years (2020–2025) +44% +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

Saline next to Washtenaw 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
  • Saline $341,300
  • Washtenaw $374,100
  • Michigan $231,600
  • United States $332,700
Typical monthly rent
  • Saline $1,054
  • Washtenaw $1,463
  • Michigan $1,129
  • United States $1,413
Typical yearly household income
  • Saline $88,346
  • Washtenaw $89,180
  • Michigan $72,875
  • United States $80,734
See the full table
Saline next to Washtenaw County and Michigan
Measure Saline Washtenaw County Michigan U.S.
Typical home value $341,300 $374,100 $231,600 $332,700
Typical monthly rent $1,054 $1,463 $1,129 $1,413
Typical yearly household income $88,346 $89,180 $72,875 $80,734
Households that own their home 69% 62% 73% 65%
Typical yearly property tax $6,066 $5,678 $2,904 $3,119
Effective property tax rate 1.78% 1.52% 1.25% 0.94%
Renters with high rent for their income 42% 56% 50% 51%

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

For a typical $341,300 home in Saline, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Saline's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,070a month

    Least cash to close
    Down payment
    $11,946
    Cash to close
    $22,185
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $151

  • Conventional, 5% down $3,007a month

    Down payment
    $17,065
    Cash to close
    $27,304
    Rate
    7.18%
    Mortgage insurance
    PMI · $162

  • Conventional, 20% down, no PMI $2,498a month

    Down payment
    $68,260
    Cash to close
    $78,499
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,814a month

    Down payment
    $51,195
    Cash to close
    $61,434
    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 Saline and for Washtenaw County.

Property tax

Effective rate in Saline

1.78%of the home’s value each year

$6,066 a year for the typical owner in Saline.

  • Saline 1.78%
  • Washtenaw 1.52%
  • 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 Washtenaw County

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

Homes in the high-risk zone
0.7%
799
Of those, with NFIP insurance
25%
County Michigan U.S.
Homes in the high-risk zone 0.7% 1.6% 3.5%
Of those, with NFIP insurance 25% 18% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Saline

Typical rent in Saline is $1,054 a month: 28% below the county. In Saline, 42% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Washtenaw County, by unit size. To pay the 2-bedroom one ($1,804 a month) without spending more than 30% of your income, you would need to earn $34.69 an hour working full time.

HUD fair market rent for all of Washtenaw 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 $1,458 $28.04 $58,320
1 bedroom $1,503 $28.90 $60,120
2 bedrooms $1,804 $34.69 $72,160
3 bedrooms $2,164 $41.62 $86,560
4 bedrooms $2,371 $45.60 $94,840

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 Saline

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Saline is in ZIP code 48176.

For 2 bedrooms it is $1,500: $304 less than the fair market rent for Washtenaw County ($1,804).

  • 48176 $1,500$1,790

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Saline 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 Saline

HUD lists one building with rents for lower incomes in Saline.

  • Mill Pond Manor (SALINE) 460 W Russell St, Saline 48176 48 homes, 47 low-income · For older adults (734) 429-3838

See all 50 buildings in Washtenaw County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Saline

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 is 1 HUD-approved agency with an office in Washtenaw County; none says it serves in Spanish.

A grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Saline

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

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

  • Michigan State University Extension Service-Washtenaw

    705 N Zeeb Rd, Ann Arbor · 9 miles away

    • Budget and credit workshops
    • Homebuyer education workshops
    (734) 997-1678

  • Community Action Agency - Adrian Branch

    400 W. South St., Adrian · 24 miles away · Spanish

    • Budget and financial counseling
    • Homelessness services
    • and 4 more
    (517) 263-7861

  • Monroe County Opportunity Program

    1140 S Telegraph Rd, Monroe · 26 miles away

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 5 more
    (734) 241-2775

Every agency in Washtenaw County All counseling agencies in Michigan

Help in Spanish near Saline

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 Saline

In HUD’s record, no housing authority with an office in Washtenaw County is named for Saline or Washtenaw County.

2 other authorities have an office in Washtenaw County: see the list Source: HUD

Cities

Other cities in Washtenaw County

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

Everything about Washtenaw County Housing in Michigan

Nearby cities

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

Neighboring counties

If Washtenaw 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 Saline.

All guides
A man and two girls read a book together on the sofa.

Questions

Housing questions about Saline

Short answers with the numbers for Saline and all of Washtenaw 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 Saline?

The typical home value in Saline is $341,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Washtenaw County it is $374,100.

How much does it cost to rent in Saline?

Typical rent in Saline is $1,054 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Washtenaw County is $1,804.

What is the FHA loan limit in Saline?

Saline uses the FHA limit for all of Washtenaw 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 Saline?

The typical homeowner in Saline pays $6,066 a year, according to the U.S. Census Bureau. That is 1.78% of the home’s value; in Washtenaw County, the rate is 1.52%.

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

There is 1 HUD-approved counseling agency with an office in Washtenaw 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).