In Southgate, a typical home is worth $173,600 and typical rent is $1,120 a month. Compared with all of Wayne County, typical household income is 9% higher.
Typical home value from Zillow, September 2021 to September 2026: from $153,605 to $193,254.
Typical rent
$1,446a month
▲ 6.6% more than 12 months ago
Typical rent from Zillow, December 2022 to September 2026: from $1,244 to $1,446.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Southgate is in Wayne 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 Wayne County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Lincoln Park, the typical home value is $131,000: 25% less than in Southgate ($173,600).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Southgate
What homes there are in Southgate, 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
Southgate
Wayne County
Michigan
United States
Kind of home: Southgate and its comparisons
Measure
Southgate
Wayne County
Michigan
United States
Detached house
69%
70%
72%
61%
Attached house
3%
6%
5%
6%
Building of 2 to 4
5%
7%
5%
8%
Apartments (5 or more)
22%
16%
13%
19%
Mobile home
Unreliable estimate
2%
5%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
As in Wayne County, most homes in Southgate are detached houses (69%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Southgate
Wayne County
Michigan
United States
Year built: Southgate and its comparisons
Measure
Southgate
Wayne County
Michigan
United States
Before 1960
45%
59%
36%
26%
1960–1979
32%
21%
26%
24%
1980–1999
12%
11%
22%
25%
2000–2009
8%
6%
10%
14%
2010 or later
Unreliable estimate
3%
6%
11%
Homes in Southgate are newer: the typical year built is 1963; in Wayne County, 1956.
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 $100K11%
$100K–$200K52%
$200K–$300K28%
$300K–$500K8%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Southgate and its comparisons
Measure
Southgate
Under $100K
11%
$100K–$200K
52%
$200K–$300K
28%
$300K–$500K
8%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
With an FHA limit of $541,287, at least 99% of owner-occupied homes in Southgate sit below it: they are worth less than $500,000.
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $5005%
$500–$99929%
$1,000–$1,49946%
HUD fair market rent, 2 bedrooms: $1,459
$1,500–$1,99915%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Southgate and its comparisons
Measure
Southgate
Under $500
5%
$500–$999
29%
$1,000–$1,499
46%
$1,500–$1,999
15%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable
HUD's 2-bedroom fair market rent (FMR) for Wayne County is $1,459; about 77% of rents in Southgate are below it.
With a mortgage
$1,463 a month
Wayne County: $1,556 a month
Without a mortgage
$580 a month
Wayne County: $612 a month
Owners with a mortgage
60%
Wayne County: 52%
Owning costs less in Southgate: with a mortgage, the typical cost is $1,463 a month; in Wayne County, $1,556. Without one, $580.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Southgate+55%
Wayne County+58%
Michigan+50%
United States+53%
Typical rent
Southgate+28%
Wayne County+29%
Michigan+30%
United States+33%
Typical household income
Southgate+16%
Wayne County+28%
Michigan+28%
United States+29%
Change since 2015–2019: Southgate and its comparisons
Measure
Southgate
Wayne County
Michigan
United States
Typical home value
+55%
+58%
+50%
+53%
Typical rent
+28%
+29%
+30%
+33%
Typical household income
+16%
+28%
+28%
+29%
Homes in Southgate gained value more slowly than in Wayne County: 55% since 2015–2019, against 58%.
The typical rent in Southgate rose 28% since 2015–2019, about the same as in Wayne County (29%).
The typical household income in Southgate rose 16%: less than home values (+55%) and rent (+28%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Southgate and its comparisons
Measure
Southgate
Wayne County
Michigan
United States
Rental vacancy
8.8%
4.6%
5.1%
5.5%
Homeowner vacancy
Unreliable estimate
1.5%
0.8%
0.9%
More than one person per room
Unreliable estimate
2.2%
1.6%
3.4%
People per household
2.33
2.50
2.42
2.53
Drive alone
76%
72%
74%
69%
Carpool
8%
9%
8%
9%
Public transit
Unreliable estimate
2%
1%
3%
Walk or bike
2%
2%
2%
3%
Work from home
12%
14%
14%
15%
Other means
Unreliable estimate
2%
1%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
In Southgate, the rental vacancy rate is 8.8%; in Wayne County, 4.6%.
Fewer people live in each home here: 2.33 on average, against 2.50 in Wayne County.
In Southgate, 76% of workers drive alone to work; in Wayne County, 72%.
Do the math
What would you pay each month for a home in Southgate?
A typical home is tight for the typical income
We start with a typical home in Southgate, worth $173,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 29% of the typical household income in Southgate, which is $66,118 a year. For that payment to be 28% of income, a household would need to earn about $67,659 a year.
The calculator's FHA and conventional loan limits are those of all of Wayne 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 Southgate. 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 $6,076 (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
$1,579
at 7.18% · 30 years
Loan amount
$170,456
Total interest
$245,246
Paid off in
November 2056
Includes $2,932 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 · 29%
Hard
more than $1,984 a month
Compared with the typical household income in Southgate ($66,118 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,155
Property tax
$275
Home insurance
$72
FHA mortgage insurance (MIP)
$77
You need at least $6,076 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 $1,579; principal and interest $1,155.
The city and its county
Southgate and Wayne County
Southgate is in Wayne 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).
Southgate
Map of Wayne County, Michigan, with Southgate marked. Around it, the neighboring counties.
Southgate
Wayne County
Other cities with a page
Southgate's own numbers
Typical home value
$173,600
Typical monthly rent
$1,120
Typical yearly household income
$66,118
Households that own their home
67%
Effective property tax rate
1.9%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Wayne 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)
+49%
Homes in a high flood-risk zone
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 Wayne County.
A typical home in Southgate is worth $173,600: 3% below the county and 25% below Michigan. With the typical household income in Southgate ($66,118 a year), a typical home costs 2.6 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.
Southgate2.6 years
Wayne2.9 years
Michigan3.2 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Wayne County
According to FHFA’s house price index, home prices in Wayne County rose 97% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Wayne County.
Yearly change in FHFA’s price index in Wayne County, 2016 to 2025
2016: +5.9% +5.9% 2016
2017: +7.1% +7.1% 2017
2018: +6.8% +6.8% 2018
2019: +4.7% +4.7% 2019
2020: +3.7% +3.7% 2020
2021: +11.3% +11.3% 2021
2022: +12.0% +12.0% 2022
2023: +6.5% +6.5% 2023
2024: +7.0% +7.0% 2024
2025: +5.3% +5.3% 2025
Change in FHFA’s price index in Wayne County, Michigan and the United States
Period
County
Michigan
U.S.
Last year (2025)
+5.3%
+4.7%
+2.9%
5 years (2020–2025)
+49%
+52%
+47%
10 years (2015–2025)
+97%
+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
Southgate next to Wayne 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
Southgate$173,600
Wayne$178,500
Michigan$231,600
United States$332,700
Typical monthly rent
Southgate$1,120
Wayne$1,132
Michigan$1,129
United States$1,413
Typical yearly household income
Southgate$66,118
Wayne$60,539
Michigan$72,875
United States$80,734
See the full table
Southgate next to Wayne County and Michigan
Measure
Southgate
Wayne County
Michigan
U.S.
Typical home value
$173,600 ▼3% below the county
$178,500
$231,600
$332,700
Typical monthly rent
$1,120
$1,132
$1,129
$1,413
Typical yearly household income
$66,118 ▲9% above the county
$60,539
$72,875
$80,734
Households that own their home
67% ▲2 points above the county
65%
73%
65%
Typical yearly property tax
$3,292 ▲13% above the county
$2,904
$2,904
$3,119
Effective property tax rate
1.9% ▲0.27 points above the county
1.63%
1.25%
0.94%
Renters with high rent for their income
41% ▼13 points below the county
54%
50%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Wayne 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 Southgate
For a typical $173,600 home in Southgate, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Southgate's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,579a month
Least cash to close
Down payment
$6,076
Cash to close
$11,284
Rate
7.18%
Mortgage insurance
FHA MIP · $77
Conventional, 5% down$1,547a month
Down payment
$8,680
Cash to close
$13,888
Rate
7.18%
Mortgage insurance
PMI · $82
Conventional, 20% down, no PMI$1,288a month
Down payment
$34,720
Cash to close
$39,928
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,449a month
Down payment
$26,040
Cash to close
$31,248
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Southgate
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,579
$6,076
$170,456
7.18%
FHA MIP · $77
$11,284
580
Conventional, 5% down
$1,547
$8,680
$164,920
7.18%
PMI · $82
$13,888
620*
Conventional, 20% down, no PMI
$1,288
$34,720
$138,880
7.18%
None
$39,928
620*
ITIN, 15% down (example)
$1,449
$26,040
$147,560
8.18%
None
$31,248
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 Southgate is $1,120 a month: about the same as the county. In Southgate, 41% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Wayne 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.
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 18 HUD-approved agencies with an office in Wayne County; 4 say they serve in Spanish.
No down payment, repair or rent-help program on our list is for Southgate or Wayne County. The ones below are statewide in Michigan: they work in Southgate 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).
No legal help resource on our list is for Southgate or Wayne 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 Southgate and all of Wayne 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 Southgate?
The typical home value in Southgate is $173,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Wayne County it is $178,500.
How much does it cost to rent in Southgate?
Typical rent in Southgate is $1,120 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Wayne County is $1,459.
What is the FHA loan limit in Southgate?
Southgate uses the FHA limit for all of Wayne 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 Southgate?
The typical homeowner in Southgate pays $3,292 a year, according to the U.S. Census Bureau. That is 1.9% of the home’s value; in Wayne County, the rate is 1.63%.
Where can I find free help to buy or rent in Southgate?
There are 18 HUD-approved counseling agencies with an office in Wayne County. 4 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.
