The median home in Otsego, Michigan is valued at $259,019, up 4.1% year over year. Otsego is part of the Holland, MI metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

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

Home Value$259,019

+4.1%

AFFORDABILITY

Enter your income for Otsego.

Income (annual)

Down Payment

$51,804 on $259,019

Stretch — 28.4% of income

Above 28% but manageable with cuts.

PITI$1,775

P/I28.4%

Afford$255K

Gap-$4K

P&I $1,310Tax $332Ins $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 Otsego 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 Holland, MI analysis

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

View Holland, MI metro →

OTSEGO, MI