Cedar Creek
Room to spread out, great value
7 homes for sale·Median $300K·Walkability 0.5/10·Schools 4.3/10
If someone asks what Cedar Creek is like, tell them it's rural land with room to breathe—the kind of place where your lot measures in acres, not feet. The township spans over twenty-three thousand acres across Muskegon County, with an average parcel size around seven and a half acres. That space defines the character here: properties feel genuinely separated from one another, not crowded into subdivision rows. A grocery store sits about three miles away, and the nearest restaurant is a short walk, so you're not entirely remote, but you're clearly not in town either. If you want sand and water, Grand Haven beach is about thirty-six minutes down the road.
Why people love it here
8.9 acre avg lots
- 890 homes
$71K median household income
- $300K median · 30 sales in last 12mo
Near the water
- Twin Lakes — 0.8 mi
- Clear Lake: 7 min drive
- Hendrickson Lake: 5 min drive
Explore Cedar Creek
Same name, different focus — Cedar Creek is also covered as:
- Cedar Creek Community — community details
Conventional Mortgage Calculator
Median home price in Cedar Creek
Estimated Monthly Payment
$2,036/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.
30 homes sold in Cedar Creek this year. Thinking of selling?
See what your home is worthMedian Income
$71K
Household
Median Sale Price
$300K
30 sales in last 12mo
Parcels
890
786 residential
Flood Risk
None
Not in flood zone
Nearest Park
Twin Lake Park
3.7 mi
Parks Nearby
0
within 1 mile
Nearest Lake
Twin Lakes
0.8 mi
Based on 4 rated schools nearby
Range: 3/10 to 6/10
School District: Holton Public Schools
Walkability
Car-dependent
Overall walkability score out of 10
Based on actual walk/bike/drive times to nearby amenities via Mapbox
Muskegon State Game Area
Clear Lake
+1 more
Beach in Riley Thompson Rd & Ironwood St Area
Muskegon Area District Library Holton Branch
Most of Cedar Creek is policed by the Muskegon County Sheriff's Office. Across that jurisdiction in 2024, the most common reported offenses were larceny / theft (274 per 100,000 residents) and burglary (80 per 100,000 residents), per FBI Uniform Crime Reporting.
For perspective, homicide — the most serious crime — was reported at about 0.002% of the population, roughly 1 in 50,000 residents.
| Offense type | Per 100k residents |
|---|---|
| Larceny / theft | 274 |
| Burglary | 80 |
| Aggravated assault | 45 |
| Motor-vehicle theft | 35 |
| Rape | 22 |
| Arson | 7 |
| Homicide | 2 |
| Robbery | 2 |
Reported offenses per 100,000 residents, Muskegon County Sheriff's Office, FBI Uniform Crime Reporting (2024). Figures cover the Muskegon County Sheriff's Office's full jurisdiction (the county's unincorporated areas), not Cedar Creek alone. Crime is reported at the jurisdiction level and varies block to block within any community.
To buy a median-priced Cedar Creek home (around $299,900) at today's 6.49% 30-year fixed rate with 20% down, you'd need roughly $48k/year in household income to qualify — an estimated monthly payment of $1,805 (principal, interest, property tax, and insurance).
The typical Cedar Creek household earns $70,601 — above what the median home requires. At that income, a buyer can afford roughly $456,000 with 20% down.
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $1,805/mo | $48,143 |
| 10% (+PMI) | $2,107/mo | $56,191 |
| 5% (+PMI) | $2,208/mo | $58,883 |
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
6 parcels
Active / pending
Typical Land Value
$25K/acre
Median asking
Median Price
$174K
Per listing
Who actually lends in Cedar Creek, 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
~$890/yr in electricity from a typical rooftop solar system
Produces ~6,491 kWh/yr · offsets ~62% of a typical home's use
Private well
Rural township; individual private wells
Septic - individual
No municipal sewer; individual septic
Resident-arranged hauler (Republic/Arrowaste area)
Residents contract their own hauler
Consumers Energy Co · ~13.7¢/kWh
Service splits by location — other areas may be served by Consumers Energy. Confirm by address.
Confirm by addressRegional gas IOU where available; rural may use propane
Confirm by addressMuskegon Charter Township Fire Department (MCTFD)
MCTFD covers Cedar Creek, Laketon, and Muskegon townships
Source: cedarcreektownship.org
Utility, solar, and service details for Cedar Creek 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
$71K
Home Value (Census)
$187K
🍕 Restaurants(2)
Overboard Inn
Restaurant
Restaurant
🍺 Bars(1)
Effin Bar & Grille
Bar
🏫 Schools(10)
Ryerson School
Evans School
Dalson School
School
Olson School
+5 more within 5 miles
🌳 Parks(4)
+1 more within 5 miles
🚴 Trails(5)
Gerber Foundation Kids Trail
Bike Path
Back To The Features Bypass
Bike Path
The Faz Track
Bike Path
+2 more within 5 miles
📚 Libraries(1)
Frequently asked about Cedar Creek
- What do homes cost in Cedar Creek?
- The median home value in Cedar Creek is about $299,900. Individual prices vary by street, size, and condition.
- How active is the Cedar Creek housing market?
- there are 7 homes for sale in Cedar Creek right now, and 30 homes sold here in the last 12 months. Listings refresh throughout the day from the MichRIC MLS.
- What schools serve Cedar Creek?
- Cedar Creek is served by Holton Public Schools. Its highest-rated assigned school is Twin Lake School (6/10).
- Is Cedar Creek walkable?
- Cedar Creek scores 0.5/10 for walkability — a measure of walking, biking, and driving access to groceries, dining, parks, schools, and transit.