Median home value in zip code 49316 (Gaines, MI) is $427K, up 4.6% year over year. Part of the Grand Rapids-Kentwood, MI metropolitan area.

Full stress scores, AI analysis, and 12-month forecast: Grand Rapids-Kentwood, MI metro →

Home Value$426,539

YoY Change

+4.6%

AFFORDABILITY

Enter your income for 49316 (Gaines).

Income (annual)

Down Payment

$85,308 on $426,539

Out of reach — 45.4% of income

Need $121,629/yr to afford.

PITI$2,838

P/I45.4%

Afford$263K

Gap-$164K

P&I $2,157Tax $547Ins $133

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

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

Metro Analysis

49316 is part of the Grand Rapids-Kentwood, MI metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

View Grand Rapids-Kentwood, MI analysis

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