In Trenton, a typical home is worth $210,600 and typical rent is $880 a month. Compared with all of Wayne County, typical household income is 36% higher, typical rent is 22% lower, and the share of households that own their home is 19 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $193,938 to $243,203.
Typical rent
$2,075a month
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Trenton 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
83% of households in Trenton own their home, against 65% in Wayne County.
2
The typical household income in Trenton is $82,212,36% more than in Wayne County as a whole ($60,539).
3
Nearby, in Wyandotte, the typical home value is $166,900: 21% less than in Trenton ($210,600).
4
The typical rent in Trenton is $880 a month, 22% less than in Wayne County as a whole ($1,132).
5
The typical home in Trenton is worth $210,600,18% more than in Wayne County as a whole ($178,500).
6
Trenton has the 16th smallest share of rent-burdened renters of the 168 cities in Michigan with more than 5,000 people (38%).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Trenton
What homes there are in Trenton, 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
Trenton
Wayne County
Michigan
United States
Kind of home: Trenton and its comparisons
Measure
Trenton
Wayne County
Michigan
United States
Detached house
72%
70%
72%
61%
Attached house
7%
6%
5%
6%
Building of 2 to 4
Unreliable estimate
7%
5%
8%
Apartments (5 or more)
17%
16%
13%
19%
Mobile home
2%
2%
5%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
As in Wayne County, most homes in Trenton are detached houses (72%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Trenton
Wayne County
Michigan
United States
Year built: Trenton and its comparisons
Measure
Trenton
Wayne County
Michigan
United States
Before 1960
50%
59%
36%
26%
1960–1979
35%
21%
26%
24%
1980–1999
10%
11%
22%
25%
2000–2009
4%
6%
10%
14%
2010 or later
Unreliable estimate
3%
6%
11%
Here half of the homes date from 1960 or later; in Wayne County, from 1956 or later.
Homes in Trenton are bigger: 68% have 3 bedrooms or more; in Wayne County, 64%.
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 $100K13%
$100K–$200K32%
$200K–$300K39%
$300K–$500K14%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Trenton and its comparisons
Measure
Trenton
Under $100K
13%
$100K–$200K
32%
$200K–$300K
39%
$300K–$500K
14%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
The FHA limit for Wayne County is high ($541,287): at least 99% of owner-occupied homes in Trenton are worth less than $500,000.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99953%
$1,000–$1,49917%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Trenton and its comparisons
Measure
Trenton
Under $500
Unreliable estimate
$500–$999
53%
$1,000–$1,499
17%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,627 a month
Wayne County: $1,556 a month
Without a mortgage
$736 a month
Wayne County: $612 a month
Owners with a mortgage
55%
Wayne County: 52%
The typical cost for an owner with a mortgage in Trenton is $1,627 a month, near the figure in Wayne County ($1,556).
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Trenton+40%
Wayne County+58%
Michigan+50%
United States+53%
Typical rent
Trenton+14%
Wayne County+29%
Michigan+30%
United States+33%
Typical household income
Trenton+22%
Wayne County+28%
Michigan+28%
United States+29%
Change since 2015–2019: Trenton and its comparisons
Measure
Trenton
Wayne County
Michigan
United States
Typical home value
+40%
+58%
+50%
+53%
Typical rent
+14%
+29%
+30%
+33%
Typical household income
+22%
+28%
+28%
+29%
The typical home value in Trenton rose 40% since 2015–2019, less than in Wayne County (58%).
Rents in Trenton rose more slowly than in Wayne County: 14% since 2015–2019, against 29%.
While home values in Trenton changed +40% and rent +14%, the typical household income rose 22%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Trenton and its comparisons
Measure
Trenton
Wayne County
Michigan
United States
Rental vacancy
Unreliable estimate
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
2.28
2.50
2.42
2.53
Drive alone
79%
72%
74%
69%
Carpool
4%
9%
8%
9%
Public transit
Unreliable estimate
2%
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
13%
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
Fewer people live in each home here: 2.28 on average, against 2.50 in Wayne County.
The car rules in Trenton: 79% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.
Do the math
What would you pay each month for a home in Trenton?
A typical home is tight for the typical income
We start with a typical home in Trenton, worth $210,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 28% of the typical household income in Trenton, which is $82,212 a year. For that payment to be 28% of income, a household would need to earn about $82,831 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 Trenton. 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 $7,371 (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
$1,933
at 7.18% · 30 years
Loan amount
$206,786
Total interest
$297,516
Paid off in
November 2056
Includes $3,557 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,918 a month
Tight
$1,918 to $2,466 a month
Your payment · 28%
Hard
more than $2,466 a month
Compared with the typical household income in Trenton ($82,212 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,401
Property tax
$351
Home insurance
$88
FHA mortgage insurance (MIP)
$93
You need at least $7,371 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 $1,933; principal and interest $1,401.
The city and its county
Trenton and Wayne County
Trenton 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).
Trenton
Map of Wayne County, Michigan, with Trenton marked. Around it, the neighboring counties.
Trenton
Wayne County
Other cities with a page
Trenton's own numbers
Typical home value
$210,600
Typical monthly rent
$880
Typical yearly household income
$82,212
Households that own their home
83%
Effective property tax rate
2%
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 Trenton is worth $210,600: 18% above the county and 9% below Michigan. With the typical household income in Trenton ($82,212 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.
Trenton2.6 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
Trenton 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
Trenton$210,600
Wayne$178,500
Michigan$231,600
United States$332,700
Typical monthly rent
Trenton$880
Wayne$1,132
Michigan$1,129
United States$1,413
Typical yearly household income
Trenton$82,212
Wayne$60,539
Michigan$72,875
United States$80,734
See the full table
Trenton next to Wayne County and Michigan
Measure
Trenton
Wayne County
Michigan
U.S.
Typical home value
$210,600 ▲18% above the county
$178,500
$231,600
$332,700
Typical monthly rent
$880 ▼22% below the county
$1,132
$1,129
$1,413
Typical yearly household income
$82,212 ▲36% above the county
$60,539
$72,875
$80,734
Households that own their home
83% ▲19 points above the county
65%
73%
65%
Typical yearly property tax
$4,220 ▲45% above the county
$2,904
$2,904
$3,119
Effective property tax rate
2% ▲0.37 points above the county
1.63%
1.25%
0.94%
Renters with high rent for their income
38% ▼17 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 Trenton
For a typical $210,600 home in Trenton, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Trenton's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,933a month
Least cash to close
Down payment
$7,371
Cash to close
$13,689
Rate
7.18%
Mortgage insurance
FHA MIP · $93
Conventional, 5% down$1,894a month
Down payment
$10,530
Cash to close
$16,848
Rate
7.18%
Mortgage insurance
PMI · $100
Conventional, 20% down, no PMI$1,580a month
Down payment
$42,120
Cash to close
$48,438
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,775a month
Down payment
$31,590
Cash to close
$37,908
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Trenton
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,933
$7,371
$206,786
7.18%
FHA MIP · $93
$13,689
580
Conventional, 5% down
$1,894
$10,530
$200,070
7.18%
PMI · $100
$16,848
620*
Conventional, 20% down, no PMI
$1,580
$42,120
$168,480
7.18%
None
$48,438
620*
ITIN, 15% down (example)
$1,775
$31,590
$179,010
8.18%
None
$37,908
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 Trenton is $880 a month: 22% below the county. In Trenton, 38% 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Wayne County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,047
$20.13
$41,880
1 bedroom
$1,167
$22.44
$46,680
2 bedrooms
$1,459
$28.06
$58,360
3 bedrooms
$1,777
$34.17
$71,080
4 bedrooms
$1,929
$37.10
$77,160
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 Trenton
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Trenton is in ZIP code 48183.
For 2 bedrooms it is $1,270: $189 less than the fair market rent for Wayne County ($1,459).
Fair market rent by ZIP code and size in Trenton, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
48183
$910
$1,020
$1,270
$1,550
$1,680
ZIP code2 bd3 bd
48183 $1,270$1,550
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Trenton 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)
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 Trenton or Wayne County. The ones below are statewide in Michigan: they work in Trenton 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 Trenton 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 Trenton 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 Trenton?
The typical home value in Trenton is $210,600, 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 Trenton?
Typical rent in Trenton is $880 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 Trenton?
Trenton 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 Trenton?
The typical homeowner in Trenton pays $4,220 a year, according to the U.S. Census Bureau. That is 2% of the home’s value; in Wayne County, the rate is 1.63%.
Where can I find free help to buy or rent in Trenton?
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.
