Michigan mortgage rates and costs by county, 2025
Median figures from closed, first-lien, owner-occupied home loans reported under HMDA. Each county page breaks the numbers down by lender. Counties with fewer than 5 qualifying loans are not listed; see the methodology.
| County | Purchase loans | Median rate | Median total costs | Refinance rate |
|---|---|---|---|---|
| Wayne County | 13,358 | 6.625% | $4,866 | 6.375% |
| Oakland County | 13,085 | 6.625% | $4,487 | 6.125% |
| Macomb County | 9,161 | 6.625% | $4,681 | 6.25% |
| Kent County | 6,839 | 6.5% | $4,166 | 6.25% |
| Genesee County | 3,988 | 6.625% | $4,895 | 6.25% |
| Washtenaw County | 3,088 | 6.5% | $4,356 | 6.25% |
| Ottawa County | 3,008 | 6.5% | $4,026 | 6.375% |
| Ingham County | 2,573 | 6.625% | $4,136 | 6.375% |
| Kalamazoo County | 2,543 | 6.625% | $3,972 | 6.375% |
| Livingston County | 2,172 | 6.625% | $4,631 | 6.25% |
| Muskegon County | 2,004 | 6.625% | $4,346 | 6.375% |
| St. Clair County | 1,706 | 6.625% | $4,938 | 6.375% |
| Monroe County | 1,698 | 6.625% | $5,178 | 6.375% |
| Saginaw County | 1,632 | 6.625% | $4,074 | 6.375% |
| Jackson County | 1,597 | 6.625% | $4,520 | 6.25% |
| Berrien County | 1,335 | 6.625% | $4,116 | 6.499% |
| Calhoun County | 1,292 | 6.625% | $3,859 | 6.5% |
| Allegan County | 1,243 | 6.625% | $4,371 | 6.375% |
| Eaton County | 1,126 | 6.625% | $4,319 | 6.25% |
| Bay County | 1,001 | 6.625% | $4,161 | 6.25% |
| Lenawee County | 1,000 | 6.625% | $4,546 | 6.375% |
| Lapeer County | 912 | 6.625% | $5,089 | 6.25% |
| Grand Traverse County | 910 | 6.625% | $4,513 | 6.455% |
| Clinton County | 832 | 6.625% | $4,318 | 6.25% |
| Midland County | 814 | 6.625% | $4,375 | 6.25% |
| Shiawassee County | 709 | 6.625% | $4,930 | 6.375% |
| Montcalm County | 703 | 6.625% | $4,943 | 6.45% |
| Barry County | 701 | 6.625% | $4,347 | 6.25% |
| Ionia County | 688 | 6.625% | $4,428 | 6.375% |
| Van Buren County | 642 | 6.625% | $4,506 | 6.407% |
| St. Joseph County | 592 | 6.625% | $4,286 | 6.375% |
| Isabella County | 547 | 6.625% | $3,983 | 6.25% |
| Newaygo County | 482 | 6.625% | $5,157 | 6.25% |
| Cass County | 472 | 6.625% | $4,736 | 6.625% |
| Tuscola County | 460 | 6.625% | $4,499 | 6.49% |
| Marquette County | 419 | 6.625% | $3,556 | 6.375% |
| Hillsdale County | 375 | 6.625% | $4,881 | 6.49% |
| Branch County | 366 | 6.625% | $4,595 | 6.375% |
| Mecosta County | 361 | 6.625% | $4,571 | 6.49% |
| Gratiot County | 338 | 6.625% | $4,438 | 6.5% |
| Clare County | 332 | 6.625% | $4,062 | 6.375% |
| Wexford County | 313 | 6.625% | $5,397 | 6.375% |
| Sanilac County | 304 | 6.638% | $5,283 | 6.49% |
| Gladwin County | 257 | 6.625% | $4,623 | 6.25% |
| Roscommon County | 249 | 6.5% | $4,314 | 6.25% |
| Emmet County | 241 | 6.5% | $4,079 | 6.5% |
| Otsego County | 232 | 6.625% | $4,163 | 6.25% |
| Houghton County | 219 | 6.625% | $3,342 | 6.5% |
| Huron County | 212 | 6.625% | $3,847 | 6.49% |
| Iosco County | 203 | 6.625% | $4,596 | 6.375% |
| Antrim County | 199 | 6.625% | $4,505 | 6.5% |
| Oceana County | 197 | 6.625% | $4,750 | 6.625% |
| Osceola County | 193 | 6.625% | $5,239 | 6.5% |
| Manistee County | 187 | 6.625% | $4,893 | 6.375% |
| Mason County | 185 | 6.625% | $4,770 | 6.375% |
| Chippewa County | 167 | 6.625% | $4,105 | 6.312% |
| Dickinson County | 165 | 6.625% | $3,791 | 6.49% |
| Ogemaw County | 162 | 6.625% | $4,281 | 6.5% |
| Charlevoix County | 161 | 6.625% | $4,727 | 6.5% |
| Alpena County | 161 | 6.625% | $4,355 | 6.25% |
| Kalkaska County | 156 | 6.625% | $5,243 | 6.49% |
| Leelanau County | 149 | 6.5% | $5,391 | 6.55% |
| Cheboygan County | 144 | 6.625% | $5,072 | 6.49% |
| Benzie County | 140 | 6.625% | $4,894 | 6.125% |
| Menominee County | 133 | 6.5% | $4,011 | 6.125% |
| Crawford County | 124 | 6.625% | $4,639 | 6.495% |
| Delta County | 120 | 6.625% | $4,498 | 6.49% |
| Missaukee County | 113 | 6.625% | $5,250 | 6.49% |
| Lake County | 112 | 6.625% | $4,592 | 6.556% |
| Montmorency County | 111 | 6.624% | $3,814 | 6.625% |
| Arenac County | 110 | 6.625% | $4,576 | 6.375% |
| Gogebic County | 109 | 6.575% | $3,415 | 6.625% |
| Iron County | 94 | 6.5% | $3,031 | 6.5% |
| Alcona County | 78 | 6.625% | $5,047 | 6.499% |
| Oscoda County | 60 | 6.75% | $4,241 | 6.5% |
| Presque Isle County | 48 | 6.625% | $4,258 | 6.124% |
| Alger County | 36 | 6.5% | $3,887 | 6.625% |
| Baraga County | 34 | 6.5% | $3,158 | 6.625% |
| Ontonagon County | 33 | 6.75% | $3,667 | 6.49% |
| Mackinac County | 33 | 6.625% | $5,462 | 6.375% |
| Schoolcraft County | 30 | 6.75% | $4,552 | 5.99% |
| Luce County | 30 | 6.625% | $3,774 | 6.25% |
| Keweenaw County | 14 | 6.75% | $3,597 | 7.125% |
Purchase loans sorted by loan count. Medians describe what closed loans looked like, under those borrowers' profiles and loan sizes; they are not quotes. Source: FFIEC HMDA Modified LAR, filing year 2025.