Median home value in zip code 49636 (Empire, MI) is $608,480, up 5.1% year over year. Part of the Traverse City, MI metropolitan area.

Home Value$608,480

YoY Change

+5.1%

Prices rising — worse for buyers.

Affordability

Enter your income for 49636 (Empire).

Income (annual)

Down Payment

$121,696 on $608,480

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

Out of reach63.9% 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.

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