Ferry Township
Solid value in a growing area
The quick answer
Ferry Township is a township, part of Shelby Public Schools. Homes here typically sell for around $350,000.
5 homes for sale·Median $350K·Schools 5.0/10
What surprises people most about this area is how close you are to Lake Michigan—right on the shoreline—yet it feels genuinely rural. You're surrounded by acreage: homes sit on half-acre, one-acre, even five- and ten-acre parcels, with room to breathe and space for outbuildings, garages, and shade trees that draw cardinals and woodpeckers year-round. The listings that move here talk about country living that's still minutes from Shelby, which matters when you want land without total isolation. Manufactured homes and farmhouses dominate the character—many recently updated with metal roofs, new siding, and open-concept kitchens—and they tend to come with decks overlooking their own acreage, seasonal ponds, or creeks. There's something quietly appealing about a place where a 32x32 pole barn and a fieldstone fireplace can coexist, where you hear bird calls instead of traffic, and where the nearest park is literally adjacent. It's the kind of pocket where people genuinely stay: the homes get remodeled thoughtfully, garages get wired with separate electric panels for real use, and folks plant feeding trees because they've got the land to do it. Shelby School District covers the area, and while you're on the western edge of things, you're not remote—just genuinely somewhere else.
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Why people love it here
$56K median household income
- $350K median · 7 sales in last 12mo
Conventional Mortgage Calculator
Median home price in Ferry Township
Estimated Monthly Payment
$2,376/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.
7 homes sold in Ferry Township this year. Thinking of selling?
See what your home is worthMedian Income
$56K
Household
Median Sale Price
$350K
7 sales in last 12mo
Expected Rent
$1,150/mo
$1,025 – $1,300 · estimated range
Based on 4 rated schools nearby
Range: 3/10 to 7/10
School District: Shelby Public Schools
Most of Ferry Township is policed by the Oceana County Sheriff's Office. Across that jurisdiction in 2024, the most common reported offenses were larceny / theft (470 per 100,000 residents) and aggravated assault (180 per 100,000 residents), per FBI Uniform Crime Reporting.
For perspective, homicide — the most serious crime — was reported at about 0.005% of the population, roughly 1 in 20,000 residents.
| Offense type | Per 100k residents |
|---|---|
| Larceny / theft | 470 |
| Aggravated assault | 180 |
| Burglary | 119 |
| Motor-vehicle theft | 76 |
| Rape | 71 |
| Robbery | 9 |
| Homicide | 5 |
| Arson | 0 |
Reported offenses per 100,000 residents, Oceana County Sheriff's Office, FBI Uniform Crime Reporting (2024). Figures cover the Oceana County Sheriff's Office's full jurisdiction (the county's unincorporated areas), not Ferry Township alone. Crime is reported at the jurisdiction level and varies block to block within any community.
To buy a median-priced Ferry Township home (around $350,000) at today's 6.67% 30-year fixed rate with 20% down, you'd need roughly $54k/year in household income to qualify — an estimated monthly payment of $2,031 (principal, interest, property tax, and insurance).
The typical Ferry Township household earns $55,500 — above what the median home requires. At that income, a buyer can afford roughly $359,000 with 20% down.
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $2,031/mo | $54,150 |
| 10% (+PMI) | $2,387/mo | $63,654 |
| 5% (+PMI) | $2,507/mo | $66,851 |
Estimates use a 6.67% 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
5 parcels
Active / pending
Typical Land Value
$6K/acre
Median asking
Median Price
$120K
Per listing
Who actually lends in Ferry Township, and how homes here are financed — from 2024 federal mortgage records.
Loans to buy a home
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.
Local Government
Ferry Township
unconfirmed
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.
Private well
Rural township; individual wells
Septic - individual
No municipal sewer; individual septic
Resident-arranged private hauler; Oceana County transfer/recycling
No municipal collection; county transfer/recycling available
No piped natural gas (propane/LP)
Rural; typically propane
Confirm by addressGrant/area fire department (via Mason-Oceana 911)
Rural fire coverage dispatched through county
Source: oceana.mi.us
Utility, solar, and service details for Ferry Township 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
$56K
Home Value (Census)
$159K
Expected Rent
$1,150/mo
$1,025 – $1,300 · estimated range
Flood Risk
None
Not in flood zone
Nearest Park
Unnamed park
0.7 mi
Parks Nearby
5
within 1 mile
Atlas — Grand Rapids Real Estate
Local real estate specialists
Questions about Ferry Township? Our team can help with availability, schools, and what it's really like to live here.
Living in Ferry Township: the details
Is Ferry Township a good place to live?
Here is what the data shows about living in Ferry Township. This township is part of Shelby Public Schools. The going price is around $350,000.
What does it cost to live in Ferry Township?
The median home value in Ferry Township is about $350,000. There are 5 homes for sale here right now and 7 homes sold here in the past year.
Frequently asked about Ferry Township
- What do homes cost in Ferry Township?
- The median home value in Ferry Township is about $350,000. Individual prices vary by street, size, and condition.
- How active is the Ferry Township housing market?
- there are 5 homes for sale in Ferry Township right now, and 7 homes sold here in the last 12 months. Listings refresh throughout the day from the MichRIC MLS.
- What schools serve Ferry Township?
- Ferry Township is served by Shelby Public Schools. Its highest-rated assigned school is Shelby Middle School (7/10).
