Muskegon County, Michigan: What It Costs to Buy a Home
The median home in Muskegon County is worth $180,900, property taxes on it run about $2,280 a year (1.26%), the FHA loan limit is $541,287, and closing on it means about $1,358 in transfer tax plus $2,016 in title insurance. Each number below opens its own page with the source and a calculator.
| Median home value | $180,900 | Title insurance at this price → |
|---|---|---|
| Property taxes (median paid) | $2,280 a year, 1.26% of value | Property tax page → |
| FHA loan limit (1 unit) | $541,287 | Loan limits page → |
| Conforming loan limit (1 unit) | $832,750 | Loan limits page → |
| Transfer tax on the median home | $1,358 | Michigan transfer tax page → |
| Title insurance on the median home | $1,211 owner's + $805 lender's | Title insurance page → |
| Closing costs from these items | $3,374 | Closing costs page → |
| Area median income (HUD, family of 4) | $77,500; low-income limit $66,900 | Income limits page → |
Frequently asked questions
How much do homes cost in Muskegon County?
The median owner-occupied home in Muskegon County is valued at $180,900, per U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25077 (median value of owner-occupied housing units).
How much are property taxes in Muskegon County?
The median Muskegon County homeowner pays $2,280 a year in real estate taxes, about 1.26% of the median home value ($2,364 for homes with a mortgage), per the Census Bureau's American Community Survey.
What is the FHA loan limit in Muskegon County?
$541,287 for a one-unit home in 2026 (the national floor), per HUD; the conforming limit for Fannie Mae and Freddie Mac loans is $832,750, per FHFA.
What does it cost to close on a home in Muskegon County?
On the $180,900 median home: transfer tax $1,358, title insurance $2,016 for both policies, about $3,374 for those items before lender fees, prepaid taxes and insurance.
What is the area median income in Muskegon County?
HUD's FY 2026 median family income for Muskegon County (Muskegon-Norton Shores, MI MSA) is $77,500. A family of four counts as low income below $66,900 under HUD's 80% tier (adjusted for local housing costs, so it can sit above 80% of the median), which is the line many first-time buyer assistance programs use.
Nearby Michigan counties
- Monroe County $215,700
- Montcalm County $172,100
- Montmorency County $142,000
- Newaygo County $178,300
- Oakland County $320,400
- Oceana County $167,600
Sources
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25077 (median value of owner-occupied housing units)
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25103 (median real estate taxes paid)
- HUD, FHA forward mortgage loan limits for calendar year 2026 (CHUMS county limits file, Mortgagee Letter 2025-23)
- FHFA, conforming loan limits for mortgages acquired in calendar year 2026, by county
Figures are computed from the documents above and rounded to the dollar. All sources.
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General information, not financial, tax or legal advice. Figures are medians and schedule computations, not quotes.
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