In Zeeland, a typical home is worth $299,000 and typical rent is $951 a month. Compared with all of Ottawa County, typical household income is 42% lower, typical rent is 21% 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 $291,694 to $389,319.
Typical rent
$2,127a month
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Zeeland is in Ottawa 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 Ottawa County. See the county
What this place has that others do not, from public data, most unusual first.
1
The typical household income in Zeeland is $52,628,42% less than in Ottawa County as a whole ($90,502).
2
Zeeland has the 9th largest share of rent-burdened renters of the 168 cities in Michigan with more than 5,000 people (67%).
3
64% of households in Zeeland own their home, against 79% in Ottawa County.
4
The typical rent in Zeeland is $951 a month, 21% less than in Ottawa County as a whole ($1,211).
5
Nearby, in Holland, the typical home value is $252,200: 16% less than in Zeeland ($299,000).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Zeeland
What homes there are in Zeeland, 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
Zeeland
Ottawa County
Michigan
United States
Kind of home: Zeeland and its comparisons
Measure
Zeeland
Ottawa County
Michigan
United States
Detached house
50%
70%
72%
61%
Attached house
Unreliable estimate
8%
5%
6%
Building of 2 to 4
27%
6%
5%
8%
Apartments (5 or more)
Unreliable estimate
11%
13%
19%
Mobile home
Unreliable estimate
5%
5%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses are the majority in Zeeland (50%), but less so than in Ottawa County (70%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Zeeland
Ottawa County
Michigan
United States
Year built: Zeeland and its comparisons
Measure
Zeeland
Ottawa County
Michigan
United States
Before 1960
46%
19%
36%
26%
1960–1979
26%
21%
26%
24%
1980–1999
24%
30%
22%
25%
2000–2009
Unreliable estimate
15%
10%
14%
2010 or later
Unreliable estimate
15%
6%
11%
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K13%
$200K–$300K34%
$300K–$500K44%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Zeeland and its comparisons
Measure
Zeeland
Under $100K
Unreliable estimate
$100K–$200K
13%
$200K–$300K
34%
$300K–$500K
44%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99954%
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Zeeland and its comparisons
Measure
Zeeland
Under $500
Unreliable estimate
$500–$999
54%
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$1,427 a month
Ottawa County: $1,656 a month
Without a mortgage
$519 a month
Ottawa County: $607 a month
Owners with a mortgage
61%
Ottawa County: 61%
In Zeeland, 61% of owners have a mortgage, and their typical cost is $1,427 a month, against $1,656 in Ottawa County. Without one it drops to $519.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Zeeland+101%
Ottawa County+69%
Michigan+50%
United States+53%
Typical rent
ZeelandNo clear change
Ottawa County+35%
Michigan+30%
United States+33%
Typical household income
ZeelandNo clear change
Ottawa County+31%
Michigan+28%
United States+29%
Change since 2015–2019: Zeeland and its comparisons
Measure
Zeeland
Ottawa County
Michigan
United States
Typical home value
+101%
+69%
+50%
+53%
Typical rent
No clear change
+35%
+30%
+33%
Typical household income
No clear change
+31%
+28%
+29%
From 2015–2019 to 2020–2024, the typical home value in Zeeland rose 101%; in Ottawa County, it rose 69%.
The typical rent in Zeeland stayed about the same over that time: the difference is within the Census margin of error.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Zeeland and its comparisons
Measure
Zeeland
Ottawa County
Michigan
United States
Rental vacancy
Unreliable estimate
3.2%
5.1%
5.5%
Homeowner vacancy
Unreliable estimate
0.5%
0.8%
0.9%
More than one person per room
Unreliable estimate
1.6%
1.6%
3.4%
People per household
2.30
2.61
2.42
2.53
Drive alone
83%
77%
74%
69%
Carpool
Unreliable estimate
8%
8%
9%
Public transit
Unreliable estimate
0%
1%
3%
Walk or bike
Unreliable estimate
3%
2%
3%
Work from home
Unreliable estimate
10%
14%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
Unreliable estimate
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
Households in Zeeland are smaller: 2.30 people on average; in Ottawa County, 2.61.
To get to work, 83% of workers in Zeeland drive alone; in Ottawa County, 77%.
Do the math
What would you pay each month for a home in Zeeland?
A typical home costs more than the typical income allows
We start with a typical home in Zeeland, worth $299,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 57% of the typical household income in Zeeland, which is $52,628 a year. For that payment to be 28% of income, a household would need to earn about $107,456 a year.
The calculator's FHA and conventional loan limits are those of all of Ottawa 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 Zeeland. 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 $10,465 (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
$2,507
at 7.18% · 30 years
Loan amount
$293,584
Total interest
$422,399
Paid off in
November 2056
Includes $5,049 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,228 a month
Tight
$1,228 to $1,579 a month
Hard
more than $1,579 a month
Your payment · 57%
Compared with the typical household income in Zeeland ($52,628 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,989
Property tax
$262
Home insurance
$125
FHA mortgage insurance (MIP)
$132
You need at least $10,465 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 $2,507; principal and interest $1,989.
The city and its county
Zeeland and Ottawa County
Zeeland is in Ottawa 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).
Zeeland
Map of Ottawa County, Michigan, with Zeeland marked. Around it, the neighboring counties.
Zeeland
Ottawa County
Other cities with a page
Zeeland's own numbers
Typical home value
$299,000
Typical monthly rent
$951
Typical yearly household income
$52,628
Households that own their home
64%
Effective property tax rate
1.05%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Ottawa County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,546
Price change over 5 years (FHFA)
+59%
Homes in a high flood-risk zone
1.1%
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 Ottawa County.
A typical home in Zeeland is worth $299,000: 8% below the county and 29% above Michigan. With the typical household income in Zeeland ($52,628 a year), a typical home costs 5.7 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.
Zeeland5.7 years
Ottawa3.6 years
Michigan3.2 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Ottawa County
According to FHFA’s house price index, home prices in Ottawa County rose 118% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Ottawa County.
Yearly change in FHFA’s price index in Ottawa County, 2016 to 2025
2016: +7.2% +7.2% 2016
2017: +7.9% +7.9% 2017
2018: +7.9% +7.9% 2018
2019: +5.3% +5.3% 2019
2020: +3.9% +3.9% 2020
2021: +12.4% +12.4% 2021
2022: +16.6% +16.6% 2022
2023: +8.0% +8.0% 2023
2024: +7.7% +7.7% 2024
2025: +4.7% +4.7% 2025
Change in FHFA’s price index in Ottawa County, Michigan and the United States
Period
County
Michigan
U.S.
Last year (2025)
+4.7%
+4.7%
+2.9%
5 years (2020–2025)
+59%
+52%
+47%
10 years (2015–2025)
+118%
+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
Zeeland next to Ottawa 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
Zeeland$299,000
Ottawa$323,400
Michigan$231,600
United States$332,700
Typical monthly rent
Zeeland$951
Ottawa$1,211
Michigan$1,129
United States$1,413
Typical yearly household income
Zeeland$52,628
Ottawa$90,502
Michigan$72,875
United States$80,734
See the full table
Zeeland next to Ottawa County and Michigan
Measure
Zeeland
Ottawa County
Michigan
U.S.
Typical home value
$299,000 ▼8% below the county
$323,400
$231,600
$332,700
Typical monthly rent
$951 ▼21% below the county
$1,211
$1,129
$1,413
Typical yearly household income
$52,628 ▼42% below the county
$90,502
$72,875
$80,734
Households that own their home
64% ▼15 points below the county
79%
73%
65%
Typical yearly property tax
$3,128 ▼6% below the county
$3,313
$2,904
$3,119
Effective property tax rate
1.05% ▲0.03 points above the county
1.02%
1.25%
0.94%
Renters with high rent for their income
67% ▲18 points above the county
49%
50%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Ottawa 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 Zeeland
For a typical $299,000 home in Zeeland, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Zeeland's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,507a month
Least cash to close
Down payment
$10,465
Cash to close
$19,435
Rate
7.18%
Mortgage insurance
FHA MIP · $132
Conventional, 5% down$2,452a month
Down payment
$14,950
Cash to close
$23,920
Rate
7.18%
Mortgage insurance
PMI · $142
Conventional, 20% down, no PMI$2,007a month
Down payment
$59,800
Cash to close
$68,770
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,283a month
Down payment
$44,850
Cash to close
$53,820
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Zeeland
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,507
$10,465
$293,584
7.18%
FHA MIP · $132
$19,435
580
Conventional, 5% down
$2,452
$14,950
$284,050
7.18%
PMI · $142
$23,920
620*
Conventional, 20% down, no PMI
$2,007
$59,800
$239,200
7.18%
None
$68,770
620*
ITIN, 15% down (example)
$2,283
$44,850
$254,150
8.18%
None
$53,820
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 Zeeland is $951 a month: 21% below the county. In Zeeland, 67% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Ottawa County, by unit size. To pay the 2-bedroom one ($1,546 a month) without spending more than 30% of your income, you would need to earn $29.73 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 Ottawa County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,077
$20.71
$43,080
1 bedroom
$1,357
$26.10
$54,280
2 bedrooms
$1,546
$29.73
$61,840
3 bedrooms
$1,947
$37.44
$77,880
4 bedrooms
$2,306
$44.35
$92,240
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 Zeeland
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Zeeland is in ZIP code 49464.
For 2 bedrooms it is $1,370: $176 less than the fair market rent for Ottawa County ($1,546).
Fair market rent by ZIP code and size in Zeeland, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
49464
$950
$1,200
$1,370
$1,740
$2,040
ZIP code2 bd3 bd
49464 $1,370$1,740
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Zeeland 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 2 HUD-approved agencies with an office in Ottawa County; 1 says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Zeeland or Ottawa County. The ones below are statewide in Michigan: they work in Zeeland 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 Zeeland or Ottawa 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 Zeeland and all of Ottawa 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 Zeeland?
The typical home value in Zeeland is $299,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Ottawa County it is $323,400.
How much does it cost to rent in Zeeland?
Typical rent in Zeeland is $951 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Ottawa County is $1,546.
What is the FHA loan limit in Zeeland?
Zeeland uses the FHA limit for all of Ottawa 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 Zeeland?
The typical homeowner in Zeeland pays $3,128 a year, according to the U.S. Census Bureau. That is 1.05% of the home’s value; in Ottawa County, the rate is 1.02%.
Where can I find free help to buy or rent in Zeeland?
There are 2 HUD-approved counseling agencies with an office in Ottawa County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.
