Median home value in zip code 49078 (Otsego, MI) is $261,432, up 4.4% year over year. Part of the Holland, MI metropolitan area.

Home Value$261,432

YoY Change

+4.4%

Prices rising — worse for buyers.

Affordability

Enter your income for 49078 (Otsego).

Income (annual)

Down Payment

$52,286 on $261,432

Example: $75,000 household income. Change it above to see your own.

Stretch28.7% of income

Above 28% but manageable with cuts.

PITI$1,791

P/I28.7%

Afford$255K

Gap-$6K

P&I $1,322Tax $336Ins $133

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

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

Metro Analysis

49078 is part of the Holland, MI metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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