Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$203,915+9.1% YoY · prices are rising fast
Market right nowBalanced marketMore homes for sale than last year, 16% have cut their price
Income needed to buy, per year$44,204About 0.7× the local median income ($59,827): affordable for a typical household
Days on market65 daysSlower than a year ago: buyers have time to negotiate
The typical home in Delta County, MI is worth $203,915, up 9.1% from a year ago. That is well above what local incomes have historically supported: fair value is about $167,332, so the area is 21.9% overvalued. It is a balanced market: homes take about 65 days to sell, listings are up 25% from a year ago, 16% of listings have had a price cut. A household needs about $44,204 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $59,827. In the latest IRS figures, 183 more people moved in than out.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$203,915
Change in 1 year
+9.1%
Overvalued %
+21.9%
Show 6 more
Fair home value
$167,332
Change in 5 years
+42.5%
Home value to income
3.4×
Monthly mortgage payment (20% down)
$1,105
Income needed to afford it
$44,204
Property tax rate
1.13%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$1,014
Market activity
Listings vs a year ago
+24.7%
Days on market
65
Listings with a price cut
16.4%
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Homes for sale
101
Pending sales per 100 listings
31
Asking price per sq ft
$180
People and jobs
Median household income
$59,827
Population change (1 year)
−0.4%
Unemployment rate
4.2%
Show 4 more
Population
36,582
Income adjusted for cost of living
$67,221
Net moves in (IRS)
+183
Cost of living (US = 100)
89.0
Schools, risk and environment
School rating (1 to 10)
5.3
FEMA hazard risk score (0 to 100)
53.1
Flood risk score
60.4
Show 3 more
Wildfire risk score
49.7
Walkability (1 to 20)
6.8
Road, rail and air noise
52 dB
Questions people ask
Is Delta County, MI overvalued?
Home prices in Delta County, MI are well above what local incomes have historically supported: fair value is about $167,332, so the area is 21.9% overvalued.
Is Delta County, MI a buyer's or seller's market?
Delta County, MI is a balanced market: homes take about 65 days to sell, listings are up 25% from a year ago, 16% of listings have had a price cut.
Are home prices going down in Delta County, MI?
Home values in Delta County, MI are up 9.1% over the last year.
How much do you need to earn to buy a home in Delta County, MI?
A household needs about $44,204 a year to afford the typical home in Delta County, MI at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $59,827.