Median home value in zip code 49630 (Empire, MI) is $591,481, up 3.1% year over year. Part of the Traverse City, MI metropolitan area.

Home Value$591,481

YoY Change

+3.1%

Prices rising — worse for buyers.

Affordability

Enter your income for 49630 (Empire).

Income (annual)

Down Payment

$118,296 on $591,481

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

Out of reach62.1% of income

Need $166,414/yr to afford.

PITI$3,883

P/I62.1%

Afford$267K

Gap-$325K

P&I $2,991Tax $759Ins $133

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

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

Metro Analysis

49630 is part of the Traverse City, MI metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

View Traverse City, MI analysis

Want deeper metro-level analysis?Stress scores, crash risk, 12-month forecasts, and early warning signals for 195 US metros.

Try Free

Weekly briefing

Every Monday — score changes, top movers, and what shifted. Free.