Amber
Solid value in a growing area
10 homes for sale·Median $403K·Schools 4.3/10
Most people think of West Michigan townships as quiet rural stretches—and plenty of that exists here—but this area sits practically on Lake Michigan's doorstep with genuine waterfront living mixed into the fabric. You get homes perched on lakes with year-round views, sprawling acreage with creeks and mature trees, and 1940s farmhouses waiting for someone to restore them. The character swings wildly: from rural parcels where you can run a barn and keep land, to lakefront cottages, to ranch homes on single acres where neighbors are actual neighbors.
Why people love it here
$65K median household income
- $403K median · 18 sales in last 12mo
Explore Amber
Same name, different focus — Amber is also covered as:
- Amber Community — community details
Mortgage Calculator
Median home price in Amber
Estimated Monthly Payment
$2,736/mo
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. This is not a commitment to lend or an offer of credit. Your actual rate, payment, and costs may vary. Contact a loan officer for a personalized quote.
Guild Mortgage NMLS #3274. Equal Housing Lender. NMLS Consumer Access
18 homes sold in Amber this year. Thinking of selling?
See what your home is worthBased on 3 rated schools nearby
Range: 3/10 to 5/10
School District: Mason County Central Schools
Most of Amber is policed by the Mason County Sheriff's Office. Across that jurisdiction in 2024, the most common reported offenses were larceny / theft (456 per 100,000 residents) and aggravated assault (141 per 100,000 residents), per FBI Uniform Crime Reporting.
No homicides were reported in 2024.
| Offense type | Per 100k residents |
|---|---|
| Larceny / theft | 456 |
| Aggravated assault | 141 |
| Burglary | 73 |
| Rape | 53 |
| Motor-vehicle theft | 29 |
| Arson | 10 |
| Homicide | 0 |
| Robbery | 0 |
Reported offenses per 100,000 residents, Mason County Sheriff's Office, FBI Uniform Crime Reporting (2024). Figures cover the Mason County Sheriff's Office's full jurisdiction (the county's unincorporated areas), not Amber alone. Crime is reported at the jurisdiction level and varies block to block within any community.
To buy a median-priced Amber home (around $402,950) at today's 6.43% 30-year fixed rate with 20% down, you'd need roughly $62k/year in household income to qualify — an estimated monthly payment of $2,338 (principal, interest, property tax, and insurance).
The typical Amber household earns $64,886 — above what the median home requires. At that income, a buyer can afford roughly $421,000 with 20% down.
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $2,338/mo | $62,356 |
| 10% (+PMI) | $2,742/mo | $73,127 |
| 5% (+PMI) | $2,877/mo | $76,722 |
Estimates use a 6.43% 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 an APR or a commitment to lend — your actual rate and payment will vary.
Land for sale
Listings
9 parcels
Active / pending
Typical Land Value
$35K/acre
Median asking
Median Price
$99K
Per listing
Who actually lends in Amber, 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.
Median Income
$65K
Home Value (Census)
$195K
Flood Risk
None
Not in flood zone
Nearest Park
Hackert Lake Boating Access Site
1.8 mi
Parks Nearby
0
within 1 mile
🍕 Restaurants(8)
Restaurant
Ponderosa Steakhouse
Restaurant
+3 more within 5 miles
☕ Coffee(4)
+1 more within 5 miles
🌳 Parks(5)
+2 more within 5 miles
⚡ EV Charging(1)
EV Charging
Frequently asked about Amber
- What do homes cost in Amber?
- The median home value in Amber is about $402,950. Individual prices vary by street, size, and condition.
- How active is the Amber housing market?
- there are 10 homes for sale in Amber right now, and 18 homes sold here in the last 12 months. Listings refresh throughout the day from the MichRIC MLS.
- What schools serve Amber?
- Amber is served by Mason County Central Schools. Its highest-rated assigned school is Mason County Central MS (5/10).
