In Swartz Creek, a typical home is worth $174,200 and typical rent is $1,247 a month. Compared with all of Genesee County, typical rent is 26% higher and typical household income is 15% higher.
Typical home value from Zillow, September 2021 to September 2026: from $205,160 to $252,503.
Typical rent
$1,312a month
Typical rent from Zillow, March 2026 to September 2026: from $1,050 to $1,312.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Swartz Creek is in Genesee 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 Genesee County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Flint, the typical home value is $53,500: 69% less than in Swartz Creek ($174,200).
2
Nearby, in Flint, the typical rent is $915: 27% less than in Swartz Creek ($1,247).
3
The typical rent in Swartz Creek is $1,247 a month, 26% more than in Genesee County as a whole ($989).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Swartz Creek
What homes there are in Swartz Creek, 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
Swartz Creek
Genesee County
Michigan
United States
Kind of home: Swartz Creek and its comparisons
Measure
Swartz Creek
Genesee County
Michigan
United States
Detached house
57%
74%
72%
61%
Attached house
15%
5%
5%
6%
Building of 2 to 4
Unreliable estimate
3%
5%
8%
Apartments (5 or more)
Unreliable estimate
12%
13%
19%
Mobile home
9%
6%
5%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses are the majority in Swartz Creek (57%), but less so than in Genesee County (74%).
Mobile homes are 9% of homes in Swartz Creek, more than in Genesee County (6%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Swartz Creek
Genesee County
Michigan
United States
Year built: Swartz Creek and its comparisons
Measure
Swartz Creek
Genesee County
Michigan
United States
Before 1960
19%
36%
36%
26%
1960–1979
32%
32%
26%
24%
1980–1999
35%
18%
22%
25%
2000–2009
11%
9%
10%
14%
2010 or later
Unreliable estimate
4%
6%
11%
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K20%
$100K–$200K43%
$200K–$300K29%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Swartz Creek and its comparisons
Measure
Swartz Creek
Under $100K
20%
$100K–$200K
43%
$200K–$300K
29%
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49927%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Swartz Creek and its comparisons
Measure
Swartz Creek
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
27%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$1,281 a month
Genesee County: $1,455 a month
Without a mortgage
$676 a month
Genesee County: $583 a month
Owners with a mortgage
65%
Genesee County: 57%
The typical cost for an owner with a mortgage in Swartz Creek is $1,281 a month, less than in Genesee County ($1,455); without one, $676.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Swartz Creek+47%
Genesee County+64%
Michigan+50%
United States+53%
Typical rent
Swartz Creek+58%
Genesee County+29%
Michigan+30%
United States+33%
Typical household income
Swartz Creek+36%
Genesee County+28%
Michigan+28%
United States+29%
Change since 2015–2019: Swartz Creek and its comparisons
Measure
Swartz Creek
Genesee County
Michigan
United States
Typical home value
+47%
+64%
+50%
+53%
Typical rent
+58%
+29%
+30%
+33%
Typical household income
+36%
+28%
+28%
+29%
Homes in Swartz Creek gained value more slowly than in Genesee County: 47% since 2015–2019, against 64%.
Rents in Swartz Creek rose faster than in Genesee County: 58% since 2015–2019, against 29%.
Here income did not keep up with housing: it rose 36%, while home values changed +47% and rent +58%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Swartz Creek and its comparisons
Measure
Swartz Creek
Genesee County
Michigan
United States
Rental vacancy
Unreliable estimate
3.2%
5.1%
5.5%
Homeowner vacancy
Unreliable estimate
0.7%
0.8%
0.9%
More than one person per room
Unreliable estimate
1.3%
1.6%
3.4%
People per household
2.27
2.38
2.42
2.53
Drive alone
80%
79%
74%
69%
Carpool
Unreliable estimate
9%
8%
9%
Public transit
Unreliable estimate
1%
1%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
15%
10%
14%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Much as in Genesee County, a household in Swartz Creek has 2.27 people on average.
Working from home is more common in Swartz Creek: 15%, against 10% in Genesee County.
Do the math
What would you pay each month for a home in Swartz Creek?
A typical home is within reach of the typical income
We start with a typical home in Swartz Creek, worth $174,200, 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 Swartz Creek, which is $71,571 a year.
The calculator's FHA and conventional loan limits are those of all of Genesee 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 Swartz Creek. 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 $6,097 (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
$1,533
at 7.18% · 30 years
Loan amount
$171,045
Total interest
$246,093
Paid off in
November 2056
Includes $2,942 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,670 a month
Your payment · 26%
Tight
$1,670 to $2,147 a month
Hard
more than $2,147 a month
Compared with the typical household income in Swartz Creek ($71,571 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,159
Property tax
$225
Home insurance
$73
FHA mortgage insurance (MIP)
$77
You need at least $6,097 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 $1,533; principal and interest $1,159.
The city and its county
Swartz Creek and Genesee County
Swartz Creek is in Genesee 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).
Swartz Creek
Map of Genesee County, Michigan, with Swartz Creek marked. Around it, the neighboring counties.
Swartz Creek
Genesee County
Other cities with a page
Swartz Creek's own numbers
Typical home value
$174,200
Typical monthly rent
$1,247
Typical yearly household income
$71,571
Households that own their home
70%
Effective property tax rate
1.55%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Genesee County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,133
Price change over 5 years (FHFA)
+48%
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 Genesee County.
A typical home in Swartz Creek is worth $174,200: 4% below the county and 25% below Michigan. With the typical household income in Swartz Creek ($71,571 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.
Swartz Creek2.4 years
Genesee2.9 years
Michigan3.2 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Genesee County
According to FHFA’s house price index, home prices in Genesee County rose 97% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Genesee County.
Yearly change in FHFA’s price index in Genesee County, 2016 to 2025
2016: +5.7% +5.7% 2016
2017: +7.6% +7.6% 2017
2018: +6.9% +6.9% 2018
2019: +4.9% +4.9% 2019
2020: +4.1% +4.1% 2020
2021: +12.9% +12.9% 2021
2022: +12.3% +12.3% 2022
2023: +5.7% +5.7% 2023
2024: +5.4% +5.4% 2024
2025: +5.0% +5.0% 2025
Change in FHFA’s price index in Genesee County, Michigan and the United States
Period
County
Michigan
U.S.
Last year (2025)
+5.0%
+4.7%
+2.9%
5 years (2020–2025)
+48%
+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
Swartz Creek next to Genesee 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
Swartz Creek$174,200
Genesee$182,400
Michigan$231,600
United States$332,700
Typical monthly rent
Swartz Creek$1,247
Genesee$989
Michigan$1,129
United States$1,413
Typical yearly household income
Swartz Creek$71,571
Genesee$62,281
Michigan$72,875
United States$80,734
See the full table
Swartz Creek next to Genesee County and Michigan
Measure
Swartz Creek
Genesee County
Michigan
U.S.
Typical home value
$174,200 ▼4% below the county
$182,400
$231,600
$332,700
Typical monthly rent
$1,247 ▲26% above the county
$989
$1,129
$1,413
Typical yearly household income
$71,571 ▲15% above the county
$62,281
$72,875
$80,734
Households that own their home
70% ▼1 points below the county
71%
73%
65%
Typical yearly property tax
$2,693 ▲8% above the county
$2,487
$2,904
$3,119
Effective property tax rate
1.55% ▲0.19 points above the county
1.36%
1.25%
0.94%
Renters with high rent for their income
50% ▼3 points below the county
53%
50%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Genesee 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 Swartz Creek
For a typical $174,200 home in Swartz Creek, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Swartz Creek's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,533a month
Least cash to close
Down payment
$6,097
Cash to close
$11,323
Rate
7.18%
Mortgage insurance
FHA MIP · $77
Conventional, 5% down$1,501a month
Down payment
$8,710
Cash to close
$13,936
Rate
7.18%
Mortgage insurance
PMI · $83
Conventional, 20% down, no PMI$1,242a month
Down payment
$34,840
Cash to close
$40,066
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,403a month
Down payment
$26,130
Cash to close
$31,356
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Swartz Creek
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,533
$6,097
$171,045
7.18%
FHA MIP · $77
$11,323
580
Conventional, 5% down
$1,501
$8,710
$165,490
7.18%
PMI · $83
$13,936
620*
Conventional, 20% down, no PMI
$1,242
$34,840
$139,360
7.18%
None
$40,066
620*
ITIN, 15% down (example)
$1,403
$26,130
$148,070
8.18%
None
$31,356
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 Swartz Creek is $1,247 a month: 26% above the county. In Swartz Creek, 50% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Genesee County, by unit size. To pay the 2-bedroom one ($1,133 a month) without spending more than 30% of your income, you would need to earn $21.79 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 Genesee County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$792
$15.23
$31,680
1 bedroom
$939
$18.06
$37,560
2 bedrooms
$1,133
$21.79
$45,320
3 bedrooms
$1,391
$26.75
$55,640
4 bedrooms
$1,613
$31.02
$64,520
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 Swartz Creek
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Swartz Creek is in ZIP code 48473.
For 2 bedrooms it is $1,330: $197 more than the fair market rent for Genesee County ($1,133).
Fair market rent by ZIP code and size in Swartz Creek, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
48473
$930
$1,100
$1,330
$1,630
$1,890
ZIP code2 bd3 bd
48473 $1,330$1,630
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Swartz Creek 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)
HUD lists 3 buildings with rents for lower incomes in Swartz Creek. These are the largest.
Mari-Dan Miller Farm4935 Ita Ct, Swartz Creek 48473150 low-income homes · 1 bd: 68 · 2 bd: 70 · 3 bd: 12 · In service since 2008 · For older adults, families
Miller Farms4930 Schafer Dr, Swartz Creek 48473150 low-income homes · For older adults(810) 635-2922
Burkeshire Pointe4449 Windsor Ct, Swartz Creek 48473112 low-income homes · 1 bd: 12 · 2 bd: 48 · 3 bd: 52 · In service since 2003 · For families
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 2 HUD-approved agencies with an office in Genesee County; none says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Swartz Creek or Genesee County. The ones below are statewide in Michigan: they work in Swartz Creek 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).
The HUD-approved agencies closest to the center of Swartz Creek, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
No legal help resource on our list is for Swartz Creek or Genesee 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 Swartz Creek and all of Genesee 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 Swartz Creek?
The typical home value in Swartz Creek is $174,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Genesee County it is $182,400.
How much does it cost to rent in Swartz Creek?
Typical rent in Swartz Creek is $1,247 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Genesee County is $1,133.
What is the FHA loan limit in Swartz Creek?
Swartz Creek uses the FHA limit for all of Genesee 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 Swartz Creek?
The typical homeowner in Swartz Creek pays $2,693 a year, according to the U.S. Census Bureau. That is 1.55% of the home’s value; in Genesee County, the rate is 1.36%.
Where can I find free help to buy or rent in Swartz Creek?
There are 2 HUD-approved counseling agencies with an office in Genesee County. They can help you get ready to buy, with your credit, or with rent.
