Median home value in zip code 49636 (Empire, MI) is $608K, up 5.1% year over year. Part of the Traverse City, MI metropolitan area.

Full stress scores, AI analysis, and 12-month forecast: Traverse City, MI metro →

Home Value$608,480

YoY Change

+5.1%

AFFORDABILITY

Enter your income for 49636 (Empire).

Income (annual)

Down Payment

$121,696 on $608,480

Out of reach — 63.9% of income

Need $171,043/yr to afford.

PITI$3,991

P/I63.9%

Afford$267K

Gap-$342K

P&I $3,077Tax $781Ins $133

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

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

Metro Analysis

49636 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