Ontonagon County, MI Average Home Price (2026)
The average home price in Ontonagon County, Michigan is about $309,500 (the 2026 median across 8 ZIP codes, at ~$163/sq ft) — 27% more expensive than the Michigan median and 7% more expensive than the typical U.S. home.
How Ontonagon County compares
Ontonagon County is about average for housing nationally: its typical home costs $309,500 against $244,000 for Michigan and $289,000 for the U.S. Within the county, ZIP-level values run from about $101,000 to $724,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Ontonagon County | $309,500 | $163 |
| Michigan | $244,000 | $187 |
| United States | $289,000 | $193 |
Ontonagon County home prices by ZIP code
The 8 most valuable ZIP codes in Ontonagon County (of 8 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 49925 Ewen | $724,000 | $381 | +134% |
| 49960 Rockland | $714,000 | $376 | +131% |
| 49912 Bruce Crossing | $348,000 | $183 | +12% |
| 49910 Bergland | $315,000 | $166 | +2% |
| 49948 Mass City | $304,000 | $160 | -2% |
| 49929 Greenland | $281,000 | $148 | -9% |
| 49953 Ontonagon | $155,000 | $117 | -50% |
| 49971 Marenisco | $101,000 | $117 | -67% |
Home value appreciation in Ontonagon County
Home prices in Ontonagon County have risen about 83% over the last 10 years (≈6.2% a year) and +69.4% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at -4.5% — a recent dip. A home worth $309,500 today was worth roughly $169,033 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 Ontonagon County
Run the numbers for Ontonagon County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Ontonagon County
To buy the typical $309,500 home in Ontonagon County with 20% down, you need a household income of roughly $84,000 a year (about $1,960 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $100,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $15,500 | $2,440/mo | $105,000/yr |
| 10% (+PMI) | $31,000 | $2,330/mo | $100,000/yr |
| 20% | $61,900 | $1,960/mo | $84,000/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 Ontonagon County
At about $163 per square foot, here is roughly how much home different budgets get you in Ontonagon County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 920 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1230 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1530 sq ft | around the typical home here |
| $300k | 1840 sq ft | around the typical home here |
| $400k | 2450 sq ft | around the typical home here |
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 Ontonagon County
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Ontonagon 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.