Total monthly cost of ownership
Cost to Own a Home in Beecher, Michigan
A $48,000 home here costs
$606per month, all in, with 20% down at today's 7.40% 30-year fixed rate. By the 28% rule that takes a household income of about $26,000 a year.
A standard mortgage calculator would have told you $266. The real number is $341 higher every month, 128% more than the payment most buyers budget for.
Compare Genesee County with anywhere in America · full county breakdown
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Beecher against Genesee County and Michigan
| Measure | Beecher | Genesee County |
|---|---|---|
| Median home value | $48,400 | $172,900 |
| Median property tax | $873 | $2,417 |
| Effective tax rate | 1.804% | 1.398% |
| Median gross rent | $905 | $936 |
| Population | 8,507 | 404,087 |
The weather behind that power bill
Beecher sits in Genesee County, which averages a high of 82.1°F in its hottest month and a low of 16.0°F in its coldest, with 31.97" of precipitation a year and 32% of it in a single three-month stretch. That climate drives 565 cooling and 6,851 heating degree days, which is what sets the $142 electricity line above.
See the full climate breakdown for Genesee County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Genesee County
Full Genesee County cost breakdown · Every county in Michigan
Talk to someone who works this market
These are Beecher averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Beecher every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Beecher I already own here and may sell
Common questions
How much does it cost to own a home in Beecher?
A $48,000 home in Beecher, Michigan costs approximately $606 per month with 20% down at 7.4%. That is $266 principal and interest, $72 property tax, $18 homeowners insurance, $210 utilities and $40 set aside for maintenance.
What is the property tax rate in Beecher?
Beecher has an effective property tax rate of 1.804%, based on a median home value of $48,400 and median real estate taxes of $873. That is higher than the Genesee County average of 1.398%.
What is the average home price in Beecher?
The median owner-occupied home value in Beecher, Michigan is $48,400, against $172,900 across Genesee County.
Is it cheaper to rent or buy in Beecher?
Median gross rent in Beecher is $905 a month, against $606 to own the median home all in. Owning costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Beecher?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Beecher, Michigan at today's rate takes a household income of roughly $26,000 a year. That covers the full $606 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Beecher, US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance, NAIC average premium for Michigan.
- Electricity price, EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate, Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.