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City · 137,928 residents · Macomb County, Michigan

Warren , Michigan

In Warren, a typical home is worth $193,400 and typical rent is $1,225 a month. Compared with all of Macomb County, the typical home value is 21% lower and typical household income is 18% lower.

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  • Typical home value

    $193,400

    21% below the county

    16% below Michigan

    • Warren
    • Macomb
    • Michigan

  • Typical rent

    $1,225a month

    About the same as the county

    9% above Michigan

    • Warren
    • Macomb
    • Michigan

  • Typical household income

    $64,016a year

    18% below the county

    12% below Michigan

    • Warren
    • Macomb
    • Michigan

  • Households that own their home

    71%

    4 points below the county

    2 points below Michigan

    • Warren
    • Macomb
    • Michigan

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

Market now, with Zillow data

Zillow data
Typical home value
$196,749
about the same as 12 months ago
Typical rent
$1,369 a month
3.5% more than 12 months ago

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

Warren is in Macomb 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 Macomb County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Warren apart

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

  1. Nearby, in Center Line, the typical rent is $788: 36% less than in Warren ($1,225).

  2. Nearby, in Eastpointe, the typical home value is $142,200: 26% less than in Warren ($193,400).

  3. According to Zillow, in the 12 months to September 2026 the typical home value in Warren barely changed; in Michigan, it rose 3.8%.

  4. The typical home in Warren is worth $193,400, 21% less than in Macomb County as a whole ($243,900).

  5. The typical household income in Warren is $64,016, 18% less than in Macomb County as a whole ($77,837).

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

The homes here

Housing in Warren

What homes there are in Warren, 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 houses, standing on their own, make up 75% of homes here, against 68% in Macomb County.

Year built

The typical home in Warren was built in 1965, 10 years before the typical one in Macomb County.

By size, homes in Warren look like those in Macomb County: 69% have 3 bedrooms or more.

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

The FHA limit for Macomb County is high ($541,287): at least 99% of owner-occupied homes in Warren are worth less than $500,000.

Monthly rent with utilities

By rent, most homes in Warren cost less than HUD's 2-bedroom fair market rent ($1,459): about 73%.

With a mortgage

$1,403 a month

Macomb County: $1,628 a month

Without a mortgage

$557 a month

Macomb County: $643 a month

Owners with a mortgage

59%

Macomb County: 62%

The typical cost for an owner with a mortgage in Warren is $1,403 a month, less than in Macomb County ($1,628); without one, $557.

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

From 2015–2019 to 2020–2024, the typical home value in Warren rose 58%; in Macomb County, it rose 46%.

Since 2015–2019, the typical rent in Warren rose 31%, more than in Macomb County (26%).

To compare: typical income in Warren rose 29%; the home, +58%; the rent, +31%.

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

MeasureWarrenMacomb CountyMichiganUnited States
Rental vacancy 4.4%2.9%5.1%5.5%
Homeowner vacancy Unreliable estimate0.7%0.8%0.9%
More than one person per room 2.9%1.8%1.6%3.4%
People per household 2.502.432.422.53
Drive alone 75%76%74%69%
Carpool 9%8%8%9%
Public transit 1%1%1%3%
Walk or bike 1%1%2%3%
Work from home 13%13%14%15%
Other means 1%1%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

The rental vacancy rate in Warren is 4.4%, higher than in Macomb County (2.9%).

In Warren, 2.9% of households live with more than one person per room, against 1.8% in Macomb County.

By size, households in Warren look like those in Macomb County: 2.50 people on average.

The car rules in Warren: 75% of workers drive to work alone, and the typical trip takes 20 to 29 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 Warren?

A typical home is tight for the typical income

We start with a typical home in Warren, worth $193,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 32% of the typical household income in Warren, which is $64,016 a year. For that payment to be 28% of income, a household would need to earn about $73,027 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Warren. 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 $6,769 (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

$1,704

at 7.18% · 30 years

Loan amount
$189,897
Total interest
$273,217
Paid off in
November 2056

Includes $3,266 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,494 a month

  • Tight

    $1,494 to $1,920 a month

    Your payment · 32%

  • Hard

    more than $1,920 a month

Compared with the typical household income in Warren ($64,016 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,704
Principal & interest$1,286
Property tax$251
Home insurance$81
FHA mortgage insurance (MIP)$86

You need at least $6,769 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

Warren and Macomb County

Warren is in Macomb 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).

Warren's own numbers

Typical home value
$193,400
Typical monthly rent
$1,225
Typical yearly household income
$64,016
Households that own their home
71%
Effective property tax rate
1.56%

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

Numbers for all of Macomb 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)
+47%
Homes in a high flood-risk zone
1.2%

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 Macomb County.

Everything about Macomb County

Buying

Buying a home in Warren

A typical home in Warren is worth $193,400: 21% below the county and 16% below Michigan. With the typical household income in Warren ($64,016 a year), a typical home costs 3.0 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.

  • Warren 3.0 years
  • Macomb 3.1 years
  • Michigan 3.2 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Macomb County

According to FHFA’s house price index, home prices in Macomb County rose 92% in the 10 years through 2025.

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

Period County Michigan U.S.
Last year (2025) +4.1% +4.7% +2.9%
5 years (2020–2025) +47% +52% +47%
10 years (2015–2025) +92% +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

Warren next to Macomb 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
  • Warren $193,400
  • Macomb $243,900
  • Michigan $231,600
  • United States $332,700
Typical monthly rent
  • Warren $1,225
  • Macomb $1,211
  • Michigan $1,129
  • United States $1,413
Typical yearly household income
  • Warren $64,016
  • Macomb $77,837
  • Michigan $72,875
  • United States $80,734
See the full table
Warren next to Macomb County and Michigan
Measure Warren Macomb County Michigan U.S.
Typical home value $193,400 $243,900 $231,600 $332,700
Typical monthly rent $1,225 $1,211 $1,129 $1,413
Typical yearly household income $64,016 $77,837 $72,875 $80,734
Households that own their home 71% 75% 73% 65%
Typical yearly property tax $3,018 $3,404 $2,904 $3,119
Effective property tax rate 1.56% 1.4% 1.25% 0.94%
Renters with high rent for their income 56% 51% 50% 51%

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

For a typical $193,400 home in Warren, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Warren's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,704a month

    Least cash to close
    Down payment
    $6,769
    Cash to close
    $12,571
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $86

  • Conventional, 5% down $1,669a month

    Down payment
    $9,670
    Cash to close
    $15,472
    Rate
    7.18%
    Mortgage insurance
    PMI · $92

  • Conventional, 20% down, no PMI $1,380a month

    Down payment
    $38,680
    Cash to close
    $44,482
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,559a month

    Down payment
    $29,010
    Cash to close
    $34,812
    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 Warren and for Macomb County.

Property tax

Effective rate in Warren

1.56%of the home’s value each year

$3,018 a year for the typical owner in Warren.

  • Warren 1.56%
  • Macomb 1.4%
  • 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 Macomb County

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

Homes in the high-risk zone
1.2%
3,449
Of those, with NFIP insurance
30%
County Michigan U.S.
Homes in the high-risk zone 1.2% 1.6% 3.5%
Of those, with NFIP insurance 30% 18% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Warren

Typical rent in Warren is $1,225 a month: about the same as the county. In Warren, 56% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Macomb 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.

HUD fair market rent for all of Macomb 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 $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 Warren

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Warren has 5 ZIP codes with their own.

For 2 bedrooms it runs from $1,390 in 48093 to $1,530 in 48091.

3 of the 5 are above the fair market rent for Macomb County ($1,459).

  • 48088 $1,410$1,720
  • 48089 $1,470$1,790
  • 48091 $1,530$1,860
  • 48092 $1,470$1,790
  • 48093 $1,390$1,690

A ZIP code counts for Warren 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?

Low-income apartments

Low-income apartments in Warren

HUD lists 3 buildings with rents for lower incomes in Warren. These are the largest.

  • Ukrainian Village 26377 Ryan Rd, Warren 48091 146 homes, 145 low-income · For older adults (586) 755-7720
  • Tivoli Manor 28103 Imperial Dr, Warren 48093 80 homes, 79 low-income · In service since 2014 · For older adults (586) 558-9860
  • Village of Warren Glenn 2950 E 12 Mile Rd, Warren 48092 68 homes, 67 low-income · For older adults (586) 751-5090

See all 58 buildings in Macomb County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Warren

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 Macomb County; none says it serves in Spanish.

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Warren

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

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

  • Msue- Macomb County (WARREN)

    11370 Hupp Avenue, Warren · 2 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 3 more
    (586) 469-7609

  • Matrix Human Services

    13560 E McNichols Rd, Detroit · 5 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 6 more
    313-526-4000x1246

  • Nid-Hca Borrower Help Center

    19966 Livernois Ave, Detroit · 7 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 9 more
    (313) 338-3840

Every agency in Macomb County All counseling agencies in Michigan

Help in Spanish near Warren

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 Warren

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

7 other authorities have an office in Macomb County: see the list Source: HUD

Cities

Other cities in Macomb County

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

Everything about Macomb County Housing in Michigan

Nearby cities

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

Neighboring counties

If Macomb 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 Warren.

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

Questions

Housing questions about Warren

Short answers with the numbers for Warren and all of Macomb 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 Warren?

The typical home value in Warren is $193,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Macomb County it is $243,900.

How much does it cost to rent in Warren?

Typical rent in Warren is $1,225 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Macomb County is $1,459.

What is the FHA loan limit in Warren?

Warren uses the FHA limit for all of Macomb 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 Warren?

The typical homeowner in Warren pays $3,018 a year, according to the U.S. Census Bureau. That is 1.56% of the home’s value; in Macomb County, the rate is 1.4%.

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

There are 2 HUD-approved counseling agencies with an office in Macomb 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).