Delta County, MI Average Home Price (2026)
The average home price in Delta County, Michigan is about $223,000 (the 2026 median across 9 ZIP codes, at ~$192/sq ft) — 9% more affordable than the Michigan median and 23% more affordable than the typical U.S. home.
How Delta County compares
Delta County is about average for housing nationally: its typical home costs $223,000 against $244,000 for Michigan and $289,000 for the U.S. Within the county, ZIP-level values run from about $112,000 to $629,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Delta County | $223,000 | $192 |
| Michigan | $244,000 | $187 |
| United States | $289,000 | $193 |
Delta County home prices by ZIP code
The 9 most valuable ZIP codes in Delta County (of 9 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 49872 Perkins | $629,000 | $331 | +182% |
| 49895 Wetmore | $248,000 | $320 | +11% |
| 49807 Bark River | $232,000 | $192 | +4% |
| 49817 Rapid River | $228,000 | $147 | +2% |
| 49835 Garden | $223,000 | $201 | +0% |
| 49837 Gladstone | $217,000 | $168 | -3% |
| 49878 Rapid River | $211,000 | $208 | -5% |
| 49829 Escanaba | $187,000 | $137 | -16% |
| 49864 Nahma | $112,000 | $59 | -50% |
Home value appreciation in Delta County
Home prices in Delta County have risen about 90% over the last 10 years (≈6.7% a year) and +84.7% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +15.4% — still rising. A home worth $223,000 today was worth roughly $117,122 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Michigan is +96.7% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Delta County
Run the numbers for Delta County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Delta County
To buy the typical $223,000 home in Delta County with 20% down, you need a household income of roughly $61,000 a year (about $1,420 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $72,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $11,200 | $1,760/mo | $75,000/yr |
| 10% (+PMI) | $22,300 | $1,680/mo | $72,000/yr |
| 20% | $44,600 | $1,420/mo | $61,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Delta County
At about $192 per square foot, here is roughly how much home different budgets get you in Delta County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 780 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1040 sq ft | around the typical home here |
| $250k | 1300 sq ft | around the typical home here |
| $300k | 1560 sq ft | above the median — larger homes or the pricier ZIPs |
| $400k | 2080 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to Michigan.
Estimate a specific home in Delta County
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Delta County home prices: frequently asked
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Browse all Michigan cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.