City · 11,054 residents · St. Joseph County, Michigan
Sturgis, Michigan
In Sturgis, a typical home is worth $152,600 and typical rent is $826 a month. Compared with all of St. Joseph County, the typical home value is 14% lower, typical household income is 6% lower, and the share of households that own their home is 15 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $174,765 to $210,854.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Sturgis is in St. Joseph 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 St. Joseph County. See the county
What this place has that others do not, from public data, most unusual first.
1
62% of households in Sturgis own their home, against 76% in St. Joseph County.
2
Sturgis has the 14th smallest share of rent-burdened renters of the 168 cities in Michigan with more than 5,000 people (37%).
3
Sturgis has the 18th lowest typical rent of the 175 cities in Michigan with more than 5,000 people ($826).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Sturgis
What homes there are in Sturgis, 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
Sturgis
St. Joseph County
Michigan
United States
Kind of home: Sturgis and its comparisons
Measure
Sturgis
St. Joseph County
Michigan
United States
Detached house
66%
78%
72%
61%
Attached house
Unreliable estimate
1%
5%
6%
Building of 2 to 4
9%
4%
5%
8%
Apartments (5 or more)
22%
9%
13%
19%
Mobile home
Unreliable estimate
8%
5%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Sturgis, 7 in 10 homes are single-family detached houses; in St. Joseph County, 8.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Sturgis
St. Joseph County
Michigan
United States
Year built: Sturgis and its comparisons
Measure
Sturgis
St. Joseph County
Michigan
United States
Before 1960
53%
42%
36%
26%
1960–1979
26%
24%
26%
24%
1980–1999
16%
22%
22%
25%
2000–2009
Unreliable estimate
9%
10%
14%
2010 or later
Unreliable estimate
4%
6%
11%
Homes in Sturgis are older: the typical year built is 1958; in St. Joseph County, 1970.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitCould be either sideUnreliable estimate
Under $100K24%
$100K–$200K51%
$200K–$300K16%
$300K–$500K9%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Sturgis and its comparisons
Measure
Sturgis
Under $100K
24%
$100K–$200K
51%
$200K–$300K
16%
$300K–$500K
9%
$500K–$750K
Unreliable
$750K–$1M
Unreliable
$1M or more
Unreliable
The FHA limit for St. Joseph County is high ($541,287): at least 100% of owner-occupied homes in Sturgis are worth less than $500,000.
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50029%
$500–$99939%
$1,000–$1,49925%
HUD fair market rent, 2 bedrooms: $1,046
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Sturgis and its comparisons
Measure
Sturgis
Under $500
29%
$500–$999
39%
$1,000–$1,499
25%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
By rent, most homes in Sturgis cost less than HUD's 2-bedroom fair market rent ($1,046): about 71%.
With a mortgage
$1,146 a month
St. Joseph County: $1,309 a month
Without a mortgage
$530 a month
St. Joseph County: $519 a month
Owners with a mortgage
66%
St. Joseph County: 56%
In Sturgis, 66% of owners have a mortgage, and their typical cost is $1,146 a month, against $1,309 in St. Joseph County. Without one it drops to $530.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Sturgis+80%
St. Joseph County+46%
Michigan+50%
United States+53%
Typical rent
SturgisNo clear change
St. Joseph County+18%
Michigan+30%
United States+33%
Typical household income
Sturgis+51%
St. Joseph County+28%
Michigan+28%
United States+29%
Change since 2015–2019: Sturgis and its comparisons
Measure
Sturgis
St. Joseph County
Michigan
United States
Typical home value
+80%
+46%
+50%
+53%
Typical rent
No clear change
+18%
+30%
+33%
Typical household income
+51%
+28%
+28%
+29%
Since 2015–2019, homes in Sturgis gained value faster than in St. Joseph County: 80% against 46%.
Rent in Sturgis moved so little since 2015–2019 that the Census cannot say whether it rose or fell.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Sturgis and its comparisons
Measure
Sturgis
St. Joseph County
Michigan
United States
Rental vacancy
8.9%
5.5%
5.1%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.8%
0.9%
More than one person per room
Unreliable estimate
1.2%
1.6%
3.4%
People per household
2.49
2.55
2.42
2.53
Drive alone
66%
72%
74%
69%
Carpool
24%
16%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
3%
2%
3%
Work from home
6%
7%
14%
15%
Other means
4%
1%
1%
2%
Typical commute
Unreliable estimate
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
The rental vacancy rate in Sturgis is 8.9%, higher than in St. Joseph County (5.5%).
By size, households in Sturgis look like those in St. Joseph County: 2.49 people on average.
In Sturgis, 24% of workers share a car to get to work; in St. Joseph County, 16%.
Do the math
What would you pay each month for a home in Sturgis?
A typical home is within reach of the typical income
We start with a typical home in Sturgis, worth $152,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 25% of the typical household income in Sturgis, which is $62,710 a year.
The calculator's FHA and conventional loan limits are those of all of St. Joseph 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 Sturgis. 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 $5,341 (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
$1,303
at 7.18% · 30 years
Loan amount
$149,836
Total interest
$215,579
Paid off in
November 2056
Includes $2,577 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,463 a month
Your payment · 25%
Tight
$1,463 to $1,881 a month
Hard
more than $1,881 a month
Compared with the typical household income in Sturgis ($62,710 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,015
Property tax
$156
Home insurance
$64
FHA mortgage insurance (MIP)
$67
You need at least $5,341 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 $1,303; principal and interest $1,015.
The city and its county
Sturgis and St. Joseph County
Sturgis is in St. Joseph 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).
Sturgis
Map of St. Joseph County, Michigan, with Sturgis marked. Around it, the neighboring counties.
Sturgis
St. Joseph County
Other cities with a page
Sturgis's own numbers
Typical home value
$152,600
Typical monthly rent
$826
Typical yearly household income
$62,710
Households that own their home
62%
Effective property tax rate
1.23%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of St. Joseph County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,046
Price change over 5 years (FHFA)
+59%
Homes in a high flood-risk zone
1.4%
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 St. Joseph County.
A typical home in Sturgis is worth $152,600: 14% below the county and 34% below Michigan. With the typical household income in Sturgis ($62,710 a year), a typical home costs 2.4 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.
Sturgis2.4 years
St. Joseph2.7 years
Michigan3.2 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in St. Joseph County
According to FHFA’s house price index, home prices in St. Joseph County rose 102% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of St. Joseph County.
Yearly change in FHFA’s price index in St. Joseph County, 2016 to 2025
2016: +3.5% +3.5% 2016
2017: +4.3% +4.3% 2017
2018: +8.6% +8.6% 2018
2019: +4.5% +4.5% 2019
2020: +3.6% +3.6% 2020
2021: +11.3% +11.3% 2021
2022: +13.5% +13.5% 2022
2023: +11.2% +11.2% 2023
2024: +5.4% +5.4% 2024
2025: +7.3% +7.3% 2025
Change in FHFA’s price index in St. Joseph County, Michigan and the United States
Period
County
Michigan
U.S.
Last year (2025)
+7.3%
+4.7%
+2.9%
5 years (2020–2025)
+59%
+52%
+47%
10 years (2015–2025)
+102%
+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
Sturgis next to St. Joseph 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
Sturgis$152,600
St. Joseph$178,300
Michigan$231,600
United States$332,700
Typical monthly rent
Sturgis$826
St. Joseph$849
Michigan$1,129
United States$1,413
Typical yearly household income
Sturgis$62,710
St. Joseph$66,425
Michigan$72,875
United States$80,734
See the full table
Sturgis next to St. Joseph County and Michigan
Measure
Sturgis
St. Joseph County
Michigan
U.S.
Typical home value
$152,600 ▼14% below the county
$178,300
$231,600
$332,700
Typical monthly rent
$826 ▼3% below the county
$849
$1,129
$1,413
Typical yearly household income
$62,710 ▼6% below the county
$66,425
$72,875
$80,734
Households that own their home
62% ▼15 points below the county
76%
73%
65%
Typical yearly property tax
$1,879 ▼4% below the county
$1,959
$2,904
$3,119
Effective property tax rate
1.23% ▲0.13 points above the county
1.1%
1.25%
0.94%
Renters with high rent for their income
37% ▼2 points below the county
39%
50%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below St. Joseph 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 Sturgis
For a typical $152,600 home in Sturgis, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Sturgis's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,303a month
Least cash to close
Down payment
$5,341
Cash to close
$9,919
Rate
7.18%
Mortgage insurance
FHA MIP · $67
Conventional, 5% down$1,275a month
Down payment
$7,630
Cash to close
$12,208
Rate
7.18%
Mortgage insurance
PMI · $72
Conventional, 20% down, no PMI$1,047a month
Down payment
$30,520
Cash to close
$35,098
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,188a month
Down payment
$22,890
Cash to close
$27,468
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Sturgis
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,303
$5,341
$149,836
7.18%
FHA MIP · $67
$9,919
580
Conventional, 5% down
$1,275
$7,630
$144,970
7.18%
PMI · $72
$12,208
620*
Conventional, 20% down, no PMI
$1,047
$30,520
$122,080
7.18%
None
$35,098
620*
ITIN, 15% down (example)
$1,188
$22,890
$129,710
8.18%
None
$27,468
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 Sturgis is $826 a month: 3% below the county. In Sturgis, 37% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of St. Joseph County, by unit size. To pay the 2-bedroom one ($1,046 a month) without spending more than 30% of your income, you would need to earn $20.12 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in St. Joseph County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$752
$14.46
$30,080
1 bedroom
$800
$15.38
$32,000
2 bedrooms
$1,046
$20.12
$41,840
3 bedrooms
$1,382
$26.58
$55,280
4 bedrooms
$1,461
$28.10
$58,440
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 Sturgis
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Sturgis is in ZIP code 49091.
For 2 bedrooms it is $1,080: $34 more than the fair market rent for St. Joseph County ($1,046).
Fair market rent by ZIP code and size in Sturgis, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
49091
$780
$830
$1,080
$1,430
$1,510
ZIP code2 bd3 bd
49091 $1,080$1,430
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Sturgis 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
Maple Towers128 S Nottawa St, Sturgis 4909171 low-income homes · Run by Sturgis Housing Commission · Average payment: $357 a month · Average wait: 2 months(269) 651-8772
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.
We found no HUD-approved agencies with an office in St. Joseph County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Sturgis or St. Joseph County. The ones below are statewide in Michigan: they work in Sturgis 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 Sturgis or St. Joseph 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 Sturgis and all of St. Joseph 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 Sturgis?
The typical home value in Sturgis is $152,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in St. Joseph County it is $178,300.
How much does it cost to rent in Sturgis?
Typical rent in Sturgis is $826 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in St. Joseph County is $1,046.
What is the FHA loan limit in Sturgis?
Sturgis uses the FHA limit for all of St. Joseph 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 Sturgis?
The typical homeowner in Sturgis pays $1,879 a year, according to the U.S. Census Bureau. That is 1.23% of the home’s value; in St. Joseph County, the rate is 1.1%.
Where can I find free help to buy or rent in Sturgis?
We found no HUD-approved counseling agencies with an office in St. Joseph County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
