Total monthly cost of ownership
Cost to Own a Home in Zeeland, Michigan
A $248,000 home here costs
$2,095per 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 $90,000 a year.
A standard mortgage calculator would have told you $1,352. The real number is $743 higher every month, 55% more than the payment most buyers budget for.
Compare Ottawa 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.
Zeeland against Ottawa County and Michigan
| Measure | Zeeland | Ottawa County |
|---|---|---|
| Median home value | $248,100 | $291,200 |
| Median property tax | $2,802 | $3,078 |
| Effective tax rate | 1.129% | 1.057% |
| Median gross rent | $908 | $1,148 |
| Population | 5,691 | 298,614 |
The weather behind that power bill
Zeeland sits in Ottawa County, which averages a high of 80.0°F in its hottest month and a low of 19.3°F in its coldest, with 37.64" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 534 cooling and 6,586 heating degree days, which is what sets the $142 electricity line above.
See the full climate breakdown for Ottawa County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Ottawa County
Full Ottawa County cost breakdown · Every county in Michigan
Talk to someone who works this market
These are Zeeland 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 Zeeland every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Zeeland I already own here and may sell
Common questions
How much does it cost to own a home in Zeeland?
A $248,000 home in Zeeland, Michigan costs approximately $2,095 per month with 20% down at 7.24%. That is $1,352 principal and interest, $233 property tax, $93 homeowners insurance, $210 utilities and $207 set aside for maintenance.
What is the property tax rate in Zeeland?
Zeeland has an effective property tax rate of 1.129%, based on a median home value of $248,100 and median real estate taxes of $2,802. That is higher than the Ottawa County average of 1.057%.
What is the average home price in Zeeland?
The median owner-occupied home value in Zeeland, Michigan is $248,100, against $291,200 across Ottawa County.
Is it cheaper to rent or buy in Zeeland?
Median gross rent in Zeeland is $908 a month, against $2,095 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 Zeeland?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Zeeland, Michigan at today's rate takes a household income of roughly $90,000 a year. That covers the full $2,095 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Zeeland, 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.