Oceana County, MI Average Home Price (2026)
The average home price in Oceana County, Michigan is about $231,500 (the 2026 median across 8 ZIP codes, at ~$174/sq ft) — 5% more affordable than the Michigan median and 20% more affordable than the typical U.S. home.
How Oceana County compares
Oceana County is about average for housing nationally: its typical home costs $231,500 against $244,000 for Michigan and $289,000 for the U.S. Within the county, ZIP-level values run from about $179,000 to $389,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Oceana County | $231,500 | $174 |
| Michigan | $244,000 | $187 |
| United States | $289,000 | $193 |
Oceana County home prices by ZIP code
The 8 most valuable ZIP codes in Oceana County (of 8 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 49449 Pentwater | $389,000 | $280 | +68% |
| 49436 Mears | $326,000 | $275 | +41% |
| 49446 New Era | $255,000 | $180 | +10% |
| 49455 Shelby | $247,000 | $157 | +7% |
| 49420 Hart | $216,000 | $164 | -7% |
| 49452 Rothbury | $208,000 | $222 | -10% |
| 49421 Hesperia | $207,000 | $168 | -11% |
| 49459 Walkerville | $179,000 | $129 | -23% |
Home value appreciation in Oceana County
Home prices in Oceana County have risen about 118% over the last 10 years (≈8.1% a year) and +94.6% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +3.3% — still rising. A home worth $231,500 today was worth roughly $106,388 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 Oceana County
Run the numbers for Oceana County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Oceana County
To buy the typical $231,500 home in Oceana County with 20% down, you need a household income of roughly $63,000 a year (about $1,470 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $75,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $11,600 | $1,830/mo | $78,000/yr |
| 10% (+PMI) | $23,200 | $1,750/mo | $75,000/yr |
| 20% | $46,300 | $1,470/mo | $63,000/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 Oceana County
At about $174 per square foot, here is roughly how much home different budgets get you in Oceana County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 860 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1150 sq ft | around the typical home here |
| $250k | 1440 sq ft | around the typical home here |
| $300k | 1720 sq ft | around the typical home here |
| $400k | 2300 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 Oceana County
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Oceana 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.