Total monthly cost of ownership
Cost to Own a Home in Fowler, Michigan
A $194,000 home here costs
$1,698per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $73,000 a year.
A standard mortgage calculator would have told you $1,058. The real number is $640 higher every month, 61% more than the payment most buyers budget for.
Compare Clinton County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Fowler from a five-year rolling sample, and with about 1,446 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Clinton County figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Fowler against Clinton County and Michigan
| Measure | Fowler | Clinton County |
|---|---|---|
| Median home value | $194,400 | $243,700 |
| Median property tax | $2,356 | $3,048 |
| Effective tax rate | 1.212% | 1.251% |
| Median gross rent | $779 | $1,039 |
| Population | 1,446 | 79,419 |
The weather behind that power bill
Fowler sits in Clinton County, which averages a high of 83.2°F in its hottest month and a low of 17.7°F in its coldest, with 34" of precipitation a year and 32% of it in a single three-month stretch. That climate drives 745 cooling and 6,507 heating degree days, which is what sets the $142 electricity line above.
See the full climate breakdown for Clinton County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Clinton County
Full Clinton County cost breakdown · Every county in Michigan
Talk to someone who works this market
These are Fowler 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 Fowler every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Fowler I already own here and may sell
Common questions
How much does it cost to own a home in Fowler?
A $194,000 home in Fowler, Michigan costs approximately $1,698 per month with 20% down at 7.24%. That is $1,058 principal and interest, $196 property tax, $72 homeowners insurance, $210 utilities and $162 set aside for maintenance.
What is the property tax rate in Fowler?
Fowler has an effective property tax rate of 1.212%, based on a median home value of $194,400 and median real estate taxes of $2,356. That is lower than the Clinton County average of 1.251%.
What is the average home price in Fowler?
The median owner-occupied home value in Fowler, Michigan is $194,400, against $243,700 across Clinton County.
Is it cheaper to rent or buy in Fowler?
Median gross rent in Fowler is $779 a month, against $1,698 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Fowler?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Fowler, Michigan at today's rate takes a household income of roughly $73,000 a year. That covers the full $1,698 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Fowler, 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.