Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$145,292+3.6% YoY · prices are rising fast
Market right nowBalanced marketFewer homes for sale than last year, 14% have cut their price
Income needed to buy, per year$31,496About 0.6× the local median income ($52,462): affordable for a typical household
Days on market71 daysAbout the same pace as a year ago
The typical home in Oscoda County, MI is worth $145,292, up 3.6% from a year ago. That is slightly below what local incomes have historically supported: fair value is about $160,169, so the area is 9.3% undervalued. It is a balanced market: homes take about 71 days to sell, listings are down 9% from a year ago, 14% of listings have had a price cut. A household needs about $31,496 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 $52,462. In the latest IRS figures, 178 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
$145,292
Change in 1 year
+3.6%
Overvalued %
−9.3%
Show 6 more
Fair home value
$160,169
Change in 5 years
+22.0%
Home value to income
2.8×
Monthly mortgage payment (20% down)
$787
Income needed to afford it
$31,496
Property tax rate
0.94%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$1,014
Market activity
Listings vs a year ago
−9.2%
Days on market
71
Listings with a price cut
14.4%
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Homes for sale
79
Pending sales per 100 listings
24
Asking price per sq ft
$157
People and jobs
Median household income
$52,462
Population change (1 year)
+1.1%
Unemployment rate
8.1%
Show 4 more
Population
8,723
Income adjusted for cost of living
$58,946
Net moves in (IRS)
+178
Cost of living (US = 100)
89.0
Schools, risk and environment
School rating (1 to 10)
4.1
FEMA hazard risk score (0 to 100)
15.1
Flood risk score
25.5
Show 3 more
Wildfire risk score
76.0
Walkability (1 to 20)
4.9
Road, rail and air noise
53 dB
Questions people ask
Is Oscoda County, MI overvalued?
Home prices in Oscoda County, MI are slightly below what local incomes have historically supported: fair value is about $160,169, so the area is 9.3% undervalued.
Is Oscoda County, MI a buyer's or seller's market?
Oscoda County, MI is a balanced market: homes take about 71 days to sell, listings are down 9% from a year ago, 14% of listings have had a price cut.
Are home prices going down in Oscoda County, MI?
Home values in Oscoda County, MI are up 3.6% over the last year.
How much do you need to earn to buy a home in Oscoda County, MI?
A household needs about $31,496 a year to afford the typical home in Oscoda County, MI at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $52,462.