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City · 5,269 residents · Calhoun County, Michigan

Springfield , Michigan

In Springfield, a typical home is worth $110,800 and typical rent is $864 a month. Compared with all of Calhoun County, the typical home value is 32% lower, typical household income is 29% lower, and the share of households that own their home is 21 points lower.

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  • Typical home value

    $110,800

    32% below the county

    52% below Michigan

    • Springfield
    • Calhoun
    • Michigan

  • Typical rent

    $864a month

    11% below the county

    23% below Michigan

    • Springfield
    • Calhoun
    • Michigan

  • Typical household income

    $44,808a year

    29% below the county

    39% below Michigan

    • Springfield
    • Calhoun
    • Michigan

  • Households that own their home

    52%

    21 points below the county

    21 points below Michigan

    • Springfield
    • Calhoun
    • Michigan

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

Market now, with Zillow data

Zillow data
Typical home value
$145,444
7.2% more than 12 months ago
Typical rent
$972 a month

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

Springfield is in Calhoun 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 Calhoun County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Springfield apart

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

  1. 52% of households in Springfield own their home, against 73% in Calhoun County.

  2. The typical home in Springfield is worth $110,800, 32% less than in Calhoun County as a whole ($162,800).

  3. The typical household income in Springfield is $44,808, 29% less than in Calhoun County as a whole ($63,177).

  4. According to Zillow, in the 12 months to September 2026 the typical home value in Springfield rose 7.2%; in Michigan, it rose 3.8%.

  5. 15% of households in Springfield have no internet at home (9% in Calhoun County).

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Springfield

What homes there are in Springfield, 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 is still the most common home in Springfield, but it weighs less than in Calhoun County: 52% against 74%.

There are more mobile homes here than in Calhoun County: 11% of homes, against 6%.

Year built

Here half of the homes date from 1971 or later; in Calhoun County, from 1961 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

$993 a month

Calhoun County: $1,271 a month

Without a mortgage

$479 a month

Calhoun County: $545 a month

Owners with a mortgage

51%

Calhoun County: 59%

In Springfield, 51% of owners have a mortgage, and their typical cost is $993 a month, against $1,271 in Calhoun County. Without one it drops to $479.

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 Springfield rose 50% since 2015–2019, about the same as in Calhoun County (48%).

The typical rent in Springfield rose 31% since 2015–2019, about the same as in Calhoun County (29%).

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

MeasureSpringfieldCalhoun CountyMichiganUnited States
Rental vacancy Unreliable estimate9.7%5.1%5.5%
Homeowner vacancy Unreliable estimate1.6%0.8%0.9%
More than one person per room Unreliable estimate1.4%1.6%3.4%
People per household 2.302.442.422.53
Drive alone 85%80%74%69%
Carpool 9%8%8%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate3%2%3%
Work from home Unreliable estimate8%14%15%
Other means Unreliable estimate1%1%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.30 on average, against 2.44 in Calhoun County.

The car rules in Springfield: 85% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.

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 Springfield?

A typical home is within reach of the typical income

We start with a typical home in Springfield, worth $110,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 26% of the typical household income in Springfield, which is $44,808 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Springfield. 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 $3,878 (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

$981

at 7.18% · 30 years

Loan amount
$108,793
Total interest
$156,528
Paid off in
November 2056

Includes $1,871 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,046 a month

    Your payment · 26%

  • Tight

    $1,046 to $1,344 a month

  • Hard

    more than $1,344 a month

Compared with the typical household income in Springfield ($44,808 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$981
Principal & interest$737
Property tax$149
Home insurance$46
FHA mortgage insurance (MIP)$49

You need at least $3,878 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

Springfield and Calhoun County

Springfield is in Calhoun 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).

Springfield's own numbers

Typical home value
$110,800
Typical monthly rent
$864
Typical yearly household income
$44,808
Households that own their home
52%
Effective property tax rate
1.61%

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

Numbers for all of Calhoun County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,233
Price change over 5 years (FHFA)
+54%
Homes in a high flood-risk zone
1.5%

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 Calhoun County.

Everything about Calhoun County

Buying

Buying a home in Springfield

A typical home in Springfield is worth $110,800: 32% below the county and 52% below Michigan. With the typical household income in Springfield ($44,808 a year), a typical home costs 2.5 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.

  • Springfield 2.5 years
  • Calhoun 2.6 years
  • Michigan 3.2 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Calhoun County

According to FHFA’s house price index, home prices in Calhoun County rose 95% in the 10 years through 2025.

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

Period County Michigan U.S.
Last year (2025) +2.5% +4.7% +2.9%
5 years (2020–2025) +54% +52% +47%
10 years (2015–2025) +95% +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

Springfield next to Calhoun 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
  • Springfield $110,800
  • Calhoun $162,800
  • Michigan $231,600
  • United States $332,700
Typical monthly rent
  • Springfield $864
  • Calhoun $968
  • Michigan $1,129
  • United States $1,413
Typical yearly household income
  • Springfield $44,808
  • Calhoun $63,177
  • Michigan $72,875
  • United States $80,734
See the full table
Springfield next to Calhoun County and Michigan
Measure Springfield Calhoun County Michigan U.S.
Typical home value $110,800 $162,800 $231,600 $332,700
Typical monthly rent $864 $968 $1,129 $1,413
Typical yearly household income $44,808 $63,177 $72,875 $80,734
Households that own their home 52% 73% 73% 65%
Typical yearly property tax $1,787 $2,368 $2,904 $3,119
Effective property tax rate 1.61% 1.45% 1.25% 0.94%
Renters with high rent for their income 44% 49% 50% 51%

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

For a typical $110,800 home in Springfield, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Springfield's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $981a month

    Least cash to close
    Down payment
    $3,878
    Cash to close
    $7,202
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $49

  • Conventional, 5% down $961a month

    Down payment
    $5,540
    Cash to close
    $8,864
    Rate
    7.18%
    Mortgage insurance
    PMI · $53

  • Conventional, 20% down, no PMI $795a month

    Down payment
    $22,160
    Cash to close
    $25,484
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $898a month

    Down payment
    $16,620
    Cash to close
    $19,944
    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 Springfield and for Calhoun County.

Property tax

Effective rate in Springfield

1.61%of the home’s value each year

$1,787 a year for the typical owner in Springfield.

  • Springfield 1.61%
  • Calhoun 1.45%
  • 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 Calhoun County

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

Homes in the high-risk zone
1.5%
779
Of those, with NFIP insurance
13%
County Michigan U.S.
Homes in the high-risk zone 1.5% 1.6% 3.5%
Of those, with NFIP insurance 13% 18% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Springfield

Typical rent in Springfield is $864 a month: 11% below the county. In Springfield, 44% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Calhoun County, by unit size. To pay the 2-bedroom one ($1,233 a month) without spending more than 30% of your income, you would need to earn $23.71 an hour working full time.

HUD fair market rent for all of Calhoun 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 $863 $16.60 $34,520
1 bedroom $1,032 $19.85 $41,280
2 bedrooms $1,233 $23.71 $49,320
3 bedrooms $1,469 $28.25 $58,760
4 bedrooms $1,653 $31.79 $66,120

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 Springfield

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Springfield is in ZIP code 49037.

For 2 bedrooms it is $1,160: $73 less than the fair market rent for Calhoun County ($1,233).

  • 49037 $1,160$1,380

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

Free help

Help to buy or rent in Springfield

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 Calhoun County; none says it serves in Spanish.

A man shakes hands with the specialist who helped him with his loan, in the kitchen of his new home.

HUD counseling is free or low-cost

Assistance programs in Springfield

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

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

  • Neighborhoods Inc. of Battle Creek

    47 North Washington Ave, Battle Creek · 2 miles away

    • Budget and credit workshops
    • Fair housing pre-purchase workshops
    • and 5 more
    (269) 224-6606

  • Kalamazoo Neighborhood Housing Services, Inc

    1219 S Park St, Kalamazoo · 18 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (269) 385-2916

  • Housing Services Mid Michigan

    319 S Cochran Ave, Charlotte · 26 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (517) 541-1180

Every agency in Calhoun County All counseling agencies in Michigan

Help in Spanish near Springfield

None 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 Springfield

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

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

Cities

Other cities in Calhoun County

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

Everything about Calhoun County Housing in Michigan

Nearby cities

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

Neighboring counties

If Calhoun 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 Springfield.

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

Questions

Housing questions about Springfield

Short answers with the numbers for Springfield and all of Calhoun 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 Springfield?

The typical home value in Springfield is $110,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Calhoun County it is $162,800.

How much does it cost to rent in Springfield?

Typical rent in Springfield is $864 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Calhoun County is $1,233.

What is the FHA loan limit in Springfield?

Springfield uses the FHA limit for all of Calhoun 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 Springfield?

The typical homeowner in Springfield pays $1,787 a year, according to the U.S. Census Bureau. That is 1.61% of the home’s value; in Calhoun County, the rate is 1.45%.

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

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