Hillsdale County, MI Average Home Price (2026)
The average home price in Hillsdale County, Michigan is about $205,000 (the 2026 median across 12 ZIP codes, at ~$152/sq ft) — 16% more affordable than the Michigan median and 29% more affordable than the typical U.S. home.
How Hillsdale County compares
Hillsdale County is relatively affordable for housing nationally: its typical home costs $205,000 against $244,000 for Michigan and $289,000 for the U.S. Within the county, ZIP-level values run from about $153,000 to $296,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Hillsdale County | $205,000 | $152 |
| Michigan | $244,000 | $187 |
| United States | $289,000 | $193 |
Hillsdale County home prices by ZIP code
The 12 most valuable ZIP codes in Hillsdale County (of 12 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 49249 Jerome | $296,000 | $263 | +44% |
| 49232 Camden | $249,000 | $199 | +21% |
| 49282 Somerset Center | $238,000 | $125 | +16% |
| 49250 Jonesville | $212,000 | $140 | +3% |
| 49227 Allen | $211,000 | $125 | +3% |
| 49242 Hillsdale | $205,000 | $154 | +0% |
| 49266 Osseo | $205,000 | $192 | +0% |
| 49271 Pittsford | $202,000 | $183 | -1% |
| 49274 Reading | $192,000 | $150 | -6% |
| 49252 Litchfield | $190,000 | $116 | -7% |
| 49262 North Adams | $182,000 | $144 | -11% |
| 49288 Waldron | $153,000 | $160 | -25% |
Home value appreciation in Hillsdale County
Home prices in Hillsdale County have risen about 113% over the last 10 years (≈7.8% a year) and +83.4% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +6.9% — still rising. A home worth $205,000 today was worth roughly $96,471 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 Hillsdale County
Run the numbers for Hillsdale County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Hillsdale County
To buy the typical $205,000 home in Hillsdale County with 20% down, you need a household income of roughly $56,000 a year (about $1,300 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $66,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $10,300 | $1,620/mo | $69,000/yr |
| 10% (+PMI) | $20,500 | $1,550/mo | $66,000/yr |
| 20% | $41,000 | $1,300/mo | $56,000/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 Hillsdale County
At about $152 per square foot, here is roughly how much home different budgets get you in Hillsdale County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 990 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1320 sq ft | around the typical home here |
| $250k | 1640 sq ft | around the typical home here |
| $300k | 1970 sq ft | above the median — larger homes or the pricier ZIPs |
| $400k | 2630 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 Hillsdale County
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Hillsdale 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.