Algoma
Great schools with outdoor access
29 homes for sale·Median $483K·Walkability 2.6/10·Schools 9.0/10
Spread across 22,000 acres about ten miles north of downtown Grand Rapids, Algoma Township feels spacious in a way that matters—room to breathe, land that doesn't crowd you, horizons that open up. The White Pine Trail State Park threads through the eastern edge, and Camp Lake and the Rogue River carve through the township, giving the landscape water and movement. You're twenty-four minutes from downtown, but the feel here is distinctly rural: ranch homes on generous lots, the kind of place where you can actually see the sky. Algoma Sports Park sits nearby—well-maintained fields and playgrounds anchoring the community—and the everyday stuff is close: groceries, coffee, restaurants within walking distance or a short drive. The township has grown steadily over the past decade, drawing people drawn to space without sacrifice. Homes here run around $470K, and Rockford Public Schools serves the area. Whether you're launching a boat from Camp Lake a few miles away or just wanting land that feels like land, the township delivers the rural Michigan experience without the isolation. Founded in 1849, it's the kind of place that doesn't announce itself—just exists, solid and unpretentious, built for people who want room and proximity in the same breath.
Why people love it here
Lake life
- Camp Lake within walking distance
- 5 parks within 1 mile
- Algoma Sports Park: 13 min walk
- Beach in Pine Island Dr & Algoma Ave Area: 6 min drive
$118K median household income
- $483K median · 120 sales in last 12mo
Conventional Mortgage Calculator
Median home price in Algoma
Estimated Monthly Payment
$3,276/mo
Property tax and insurance are estimates you can edit — not a quote. Tap either figure to enter your own.
The interest rate shown is not an annual percentage rate (APR). Rate displayed is the current average 30-year fixed rate from the Freddie Mac Primary Mortgage Market Survey and is subject to change without notice. Your actual rate, payment, and costs may vary. Contact a loan officer for a personalized quote.
Guild Mortgage NMLS #3274. Equal Housing Opportunity. NMLS Consumer Access. Not a commitment to lend. All loans subject to underwriter approval; terms and conditions may apply. Subject to change without notice. Always consult an accountant or tax advisor for full eligibility requirements on tax deduction.
120 homes sold in Algoma this year. Thinking of selling?
See what your home is worthBased on 1 rated school nearby
School District: Rockford Public Schools
Flood Risk
None
Not in flood zone
Nearest Park
Algoma Sports Park
0.3 mi
Parks Nearby
5
within 1 mile
Nearest Lake
Camp Lake
0.0 mi
Walkability
Limited
Overall walkability score out of 10
Based on actual walk/bike/drive times to nearby amenities via Mapbox
Tim Hortons
Cellar Brewing Company
Algoma Sports Park
Algoma Sports Park Playground
High Lake
+1 more
Beach in Pine Island Dr & Algoma Ave Area
Roguewood Drive Northeast
Dog Park in Pine Island Dr & Algoma Ave Area
White Pine Trail
Rogue River Launch (A-41-102)
+1 more
Rite Aid
Sparta Township Library and Community Enrichment Center
Northstar Cinema
Most of Algoma is policed by the Kent County Sheriff's Office. Across that jurisdiction in 2024, the most common reported offenses were larceny / theft (660 per 100,000 residents) and aggravated assault (108 per 100,000 residents), per FBI Uniform Crime Reporting.
No homicides were reported in 2024.
| Offense type | Per 100k residents |
|---|---|
| Larceny / theft | 660 |
| Aggravated assault | 108 |
| Motor-vehicle theft | 76 |
| Burglary | 66 |
| Rape | 43 |
| Robbery | 5 |
| Arson | 5 |
| Homicide | 0 |
Reported offenses per 100,000 residents, Kent County Sheriff's Office, FBI Uniform Crime Reporting (2024). Figures cover the Kent County Sheriff's Office's full jurisdiction (the county's unincorporated areas), not Algoma alone. Crime is reported at the jurisdiction level and varies block to block within any community.
To buy a median-priced Algoma home (around $482,500) at today's 6.49% 30-year fixed rate with 20% down, you'd need roughly $78k/year in household income to qualify — an estimated monthly payment of $2,929 (principal, interest, property tax, and insurance).
The typical Algoma household earns $117,690 — above what the median home requires. At that income, a buyer can afford roughly $757,000 with 20% down.
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $2,929/mo | $78,097 |
| 10% (+PMI) | $3,414/mo | $91,046 |
| 5% (+PMI) | $3,577/mo | $95,376 |
Estimates use a 6.49% 30-year fixed rate (current Freddie Mac average), an aggressive ~45% housing-to-income ratio (roughly what FHA underwriting can allow for a buyer with no other monthly debts — your number depends on your debts and credit), this area's median sale price and median property taxes, plus estimated insurance and PMI below 20% down. Not a commitment to lend, and not an APR — your actual rate and payment will vary.
Land for sale
Listings
10 parcels
Active / pending
Typical Land Value
$55K/acre
Median asking
Median Price
$300K
Per listing
Who actually lends in Algoma, and how homes here are financed — from 2024 federal mortgage records.
Loans to buy a home
Most active lenders
Homeowners refinancing an existing mortgage
Most active lenders
Source: 2024 HMDA (CFPB/FFIEC). Neighborhood figures are area-weighted estimates from census-tract data; loan amounts are rounded and all-cash purchases are excluded.
Association and local-government details are compiled from public records, municipal sites, and state registries, and can change. Confirm directly with the association or municipality before relying on them.
Solar potential
~$861/yr in electricity from a typical rooftop solar system
Produces ~6,277 kWh/yr · offsets ~60% of a typical home's use
Algoma Sanitary District / private well
Algoma Sanitary District serves water/sewer in pockets (incl. Algoma-Plainfield system); rural on private well.
Algoma Sanitary District / individual septic
Sanitary district + Camp Lake Sewer in serviced areas; rural on septic.
Resident-arranged private hauler
Algoma Township Fire Department
Serves ~12,143 in 33 sq mi; 2 stations; full-time chief + 3 FT + 28 paid-on-call.
Source: algomasd.org
Utility, solar, and service details for Algoma are compiled from public records, municipal sites, and NREL / U.S. data.gov, and can change. Electric/gas can vary by address — confirm with the provider before relying on them.
Median Income
$118K
Home Value (Census)
$336K
🛒 Grocery(6)
Meijer
Grocery Store
Grocery Store
Family Fare Supermarket
Grocery Store
+3 more within 5 miles
🍕 Restaurants(11)
Momma's Boy
Restaurant
Hill'S Bbq Llc
Restaurant
Thai Fusion Rockford
Restaurant
Evergreen Inn Restaurant
Restaurant
+6 more within 5 miles
☕ Coffee(15)
Tim Hortons
Café
Meijer Cafe And Thrift Market
Café
Starbucks Coffee Company
Café
+12 more within 5 miles
🍺 Bars(13)
Flo's Wood Fired Pizzeria
Bar
St. Julian Winery & Distillery Tasting Room
Bar
GR/Sparta Moose Lodge #50
Bar
+10 more within 5 miles
🏫 Schools(10)
Valley View School
Myers School
Parkside Elementary
School
Blessed Virgin School
+5 more within 5 miles
💪 Gyms(3)
MVP Fitness
Fitness Center
Fitness Center
Fitness Center
🐕 Dog Parks(2)
🚴 Trails(3)
⛵ Boat Launches(5)
Boat Launch
Boat Launch
Boat Launch
+2 more within 5 miles
🚌 Transit(1)
Transit Stop
📚 Libraries(1)
Krause Memorial Library
Frequently asked about Algoma
- What do homes cost in Algoma?
- The median home value in Algoma is about $482,500. Individual prices vary by street, size, and condition.
- How active is the Algoma housing market?
- there are 29 homes for sale in Algoma right now, and 120 homes sold here in the last 12 months. Listings refresh throughout the day from the MichRIC MLS.
- What schools serve Algoma?
- Algoma is served by Rockford Public Schools. Its highest-rated assigned school is Sparta Senior High School (9/10).
- Is Algoma walkable?
- Algoma scores 2.6/10 for walkability — a measure of walking, biking, and driving access to groceries, dining, parks, schools, and transit.
