Español

Este sitio también está en español. Leer en español

City · 7,878 residents · Washtenaw County, Michigan

Whitmore Lake , Michigan

In Whitmore Lake, a typical home is worth $287,700 and typical rent is $1,329 a month. Compared with all of Washtenaw County, the typical home value is 23% lower, typical rent is 9% lower, and the share of households that own their home is 9 points higher.

WhatsApp

  • Typical home value

    $287,700

    23% below the county

    24% above Michigan

    • Whitmore Lake
    • Washtenaw
    • Michigan

  • Typical rent

    $1,329a month

    9% below the county

    18% above Michigan

    • Whitmore Lake
    • Washtenaw
    • Michigan

  • Typical household income

    $86,779a year

    3% below the county

    19% above Michigan

    • Whitmore Lake
    • Washtenaw
    • Michigan

  • Households that own their home

    70%

    9 points above the county

    3 points below Michigan

    • Whitmore Lake
    • Washtenaw
    • Michigan

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

Market now, with Zillow data

Zillow data
Typical home value
$361,533
1.8% more than 12 months ago

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

Whitmore Lake is in Washtenaw 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 Washtenaw County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Whitmore Lake apart

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

  1. Nearby, in Wixom, the typical rent is $1,035: 22% less than in Whitmore Lake ($1,329).

  2. The typical home in Whitmore Lake is worth $287,700, 23% less than in Washtenaw County as a whole ($374,100).

  3. 70% of households in Whitmore Lake own their home, against 62% in Washtenaw County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Whitmore Lake

What homes there are in Whitmore Lake, 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

In Whitmore Lake, 6 in 10 homes are single-family detached houses; in Washtenaw County, 6.

There are more mobile homes here than in Washtenaw County: 16% of homes, against 4%.

Year built

The typical home in Whitmore Lake was built in 1987, 9 years after the typical one in Washtenaw County.

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 loan limit for Washtenaw County is $541,287, and about 88% of owner-occupied homes in Whitmore Lake are worth less than that.

Monthly rent with utilities

With a mortgage

$1,753 a month

Washtenaw County: $2,150 a month

Without a mortgage

$764 a month

Washtenaw County: $903 a month

Owners with a mortgage

68%

Washtenaw County: 64%

The typical cost for an owner with a mortgage in Whitmore Lake is $1,753 a month, less than in Washtenaw County ($2,150); without one, $764.

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 Census does not compare Whitmore Lake with 2015–2019 because its boundaries changed. In Washtenaw County, over that time, the typical home value rose 42%.

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

MeasureWhitmore LakeWashtenaw CountyMichiganUnited States
Rental vacancy Unreliable estimate3.7%5.1%5.5%
Homeowner vacancy Unreliable estimate0.6%0.8%0.9%
More than one person per room Unreliable estimate1.4%1.6%3.4%
People per household 2.252.332.422.53
Drive alone 78%59%74%69%
Carpool Unreliable estimate7%8%9%
Public transit Unreliable estimate4%1%3%
Walk or bike Unreliable estimate7%2%3%
Work from home 16%23%14%15%
Other means Unreliable estimate1%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

A household in Whitmore Lake has 2.25 people on average, about the same as in Washtenaw County (2.33).

To get to work, 78% of workers in Whitmore Lake drive alone; in Washtenaw County, 59%.

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 Whitmore Lake?

A typical home is tight for the typical income

We start with a typical home in Whitmore Lake, worth $287,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 35% of the typical household income in Whitmore Lake, which is $86,779 a year. For that payment to be 28% of income, a household would need to earn about $107,402 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Whitmore Lake. 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 $10,070 (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

$2,506

at 7.18% · 30 years

Loan amount
$282,489
Total interest
$406,435
Paid off in
November 2056

Includes $4,859 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,025 a month

  • Tight

    $2,025 to $2,603 a month

    Your payment · 35%

  • Hard

    more than $2,603 a month

Compared with the typical household income in Whitmore Lake ($86,779 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,506
Principal & interest$1,914
Property tax$345
Home insurance$120
FHA mortgage insurance (MIP)$127

You need at least $10,070 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

Whitmore Lake and Washtenaw County

Whitmore Lake is in Washtenaw 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).

Whitmore Lake's own numbers

Typical home value
$287,700
Typical monthly rent
$1,329
Typical yearly household income
$86,779
Households that own their home
70%
Effective property tax rate
1.44%

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

Numbers for all of Washtenaw County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,804
Price change over 5 years (FHFA)
+44%
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 Washtenaw County.

Everything about Washtenaw County

Buying

Buying a home in Whitmore Lake

A typical home in Whitmore Lake is worth $287,700: 23% below the county and 24% above Michigan. With the typical household income in Whitmore Lake ($86,779 a year), a typical home costs 3.3 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.

  • Whitmore Lake 3.3 years
  • Washtenaw 4.2 years
  • Michigan 3.2 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Washtenaw County

According to FHFA’s house price index, home prices in Washtenaw County rose 85% in the 10 years through 2025.

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

Period County Michigan U.S.
Last year (2025) +4.2% +4.7% +2.9%
5 years (2020–2025) +44% +52% +47%
10 years (2015–2025) +85% +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

Whitmore Lake next to Washtenaw 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
  • Whitmore Lake $287,700
  • Washtenaw $374,100
  • Michigan $231,600
  • United States $332,700
Typical monthly rent
  • Whitmore Lake $1,329
  • Washtenaw $1,463
  • Michigan $1,129
  • United States $1,413
Typical yearly household income
  • Whitmore Lake $86,779
  • Washtenaw $89,180
  • Michigan $72,875
  • United States $80,734
See the full table
Whitmore Lake next to Washtenaw County and Michigan
Measure Whitmore Lake Washtenaw County Michigan U.S.
Typical home value $287,700 $374,100 $231,600 $332,700
Typical monthly rent $1,329 $1,463 $1,129 $1,413
Typical yearly household income $86,779 $89,180 $72,875 $80,734
Households that own their home 70% 62% 73% 65%
Typical yearly property tax $4,130 $5,678 $2,904 $3,119
Effective property tax rate 1.44% 1.52% 1.25% 0.94%

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

For a typical $287,700 home in Whitmore Lake, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Whitmore Lake's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,506a month

    Least cash to close
    Down payment
    $10,070
    Cash to close
    $18,701
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $127

  • Conventional, 5% down $2,453a month

    Down payment
    $14,385
    Cash to close
    $23,016
    Rate
    7.18%
    Mortgage insurance
    PMI · $137

  • Conventional, 20% down, no PMI $2,024a month

    Down payment
    $57,540
    Cash to close
    $66,171
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,290a month

    Down payment
    $43,155
    Cash to close
    $51,786
    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 Whitmore Lake and for Washtenaw County.

Property tax

Effective rate in Whitmore Lake

1.44%of the home’s value each year

$4,130 a year for the typical owner in Whitmore Lake.

  • Whitmore Lake 1.44%
  • Washtenaw 1.52%
  • 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 Washtenaw County

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

Homes in the high-risk zone
0.7%
799
Of those, with NFIP insurance
25%
County Michigan U.S.
Homes in the high-risk zone 0.7% 1.6% 3.5%
Of those, with NFIP insurance 25% 18% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Whitmore Lake

Typical rent in Whitmore Lake is $1,329 a month: 9% below the county.

HUD publishes a fair market rent for all of Washtenaw County, by unit size. To pay the 2-bedroom one ($1,804 a month) without spending more than 30% of your income, you would need to earn $34.69 an hour working full time.

HUD fair market rent for all of Washtenaw 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 $1,458 $28.04 $58,320
1 bedroom $1,503 $28.90 $60,120
2 bedrooms $1,804 $34.69 $72,160
3 bedrooms $2,164 $41.62 $86,560
4 bedrooms $2,371 $45.60 $94,840

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 Whitmore Lake

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Whitmore Lake has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,500 in 48189 to $1,520 in 48178.

None is above the fair market rent for Washtenaw County ($1,804).

  • 48178 $1,520$1,920
  • 48189 $1,500$1,910

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Whitmore Lake 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 Whitmore Lake

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 Washtenaw 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 Whitmore Lake

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

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

  • Michigan State University Extension Service-Washtenaw

    705 N Zeeb Rd, Ann Arbor · 10 miles away

    • Budget and credit workshops
    • Homebuyer education workshops
    (734) 997-1678

  • Greenpath Financial Wellness

    36500 Corporate Dr, Farmington Hills · 18 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (800) 550-1961

  • Greenpath, Inc.

    36500 Corporate Dr, Farmington Hills · 18 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (888) 860-4167

Every agency in Washtenaw County All counseling agencies in Michigan

Help in Spanish near Whitmore Lake

2 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 Whitmore Lake

In HUD’s record, no housing authority with an office in Washtenaw County is named for Whitmore Lake or Washtenaw County.

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

Cities

Other cities in Washtenaw County

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

Everything about Washtenaw County Housing in Michigan

Nearby cities

The cities closest to Whitmore Lake, with the typical home value.

Neighboring counties

If Washtenaw 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 Whitmore Lake.

All guides
A smiling girl holds up a small mushroom she found on a forest outing.

Questions

Housing questions about Whitmore Lake

Short answers with the numbers for Whitmore Lake and all of Washtenaw 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 Whitmore Lake?

The typical home value in Whitmore Lake is $287,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Washtenaw County it is $374,100.

How much does it cost to rent in Whitmore Lake?

Typical rent in Whitmore Lake is $1,329 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Washtenaw County is $1,804.

What is the FHA loan limit in Whitmore Lake?

Whitmore Lake uses the FHA limit for all of Washtenaw 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 Whitmore Lake?

The typical homeowner in Whitmore Lake pays $4,130 a year, according to the U.S. Census Bureau. That is 1.44% of the home’s value; in Washtenaw County, the rate is 1.52%.

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

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