The median home in Gaines, Michigan is valued at $274,480, up 5.6% year over year. Gaines is part of the Flint, MI metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

See the full metro analysis: Flint, MI stress score, crash risk, and 12-month forecast →

Home Value$274,480

+5.6%

AFFORDABILITY

Enter your income for Gaines.

Income (annual)

Down Payment

$54,896 on $274,480

Stretch — 30% of income

Above 28% but manageable with cuts.

PITI$1,874

P/I30%

Afford$256K

Gap-$18K

P&I $1,388Tax $352Ins $133

6.50% 30yr, 20% down, county tax + MI ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Michigan

Compare Gaines with other housing markets across Michigan.

Lake Angelus$1659K Leland$1097K Orchard Lake$914K Franklin$845K Lake Leelanau$832K Kewadin$811K Lakeside$800K Northport$758K

Full Flint, MI analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Flint, MI metro.

View Flint, MI metro →

GAINES, MI