Garfield
Surrounded by nature
7 homes for sale·Median $305K·Walkability 0.9/10·Schools 4.7/10
Garfield Township spreads across 21,550 acres in Newaygo County, offering the kind of space where you can actually see sky in multiple directions. The township sits rural enough that a commute matters, yet close enough to real amenities that you're not pretending to love isolation—a grocery store is a three-minute walk, and there are seven restaurants within a mile, which is genuinely useful when you don't feel like cooking. A coffee shop sits two minutes away, and the Newaygo Boating Access Site is about a mile and a half down the road if you want to actually use the water instead of just talking about it. Students here attend Newaygo Public School District. Homes run around $550K, which means you're getting actual land and some quiet without paying for manufactured scarcity. The township has that West Michigan character—agricultural bones, sparse enough to breathe, dense enough that you're not completely alone. If you want twenty acres and a mailbox, this isn't your place. If you want reasonable space without the theater of rural preciousness, and don't mind that the nearest big city is a real drive away, Garfield works.
Why people love it here
Lake life
- Pickerel Lake within walking distance
- Ackland Lake: 3 min drive
- Cycleway loop off Centerline Ct: 5 min drive
$74K median household income
- $305K median · 14 sales in last 12mo
Conventional Mortgage Calculator
Median home price in Garfield
Estimated Monthly Payment
$2,070/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.
14 homes sold in Garfield this year. Thinking of selling?
See what your home is worthFlood Risk
None
Not in flood zone
Nearest Park
Newaygo Boating Access Site
1.2 mi
Parks Nearby
0
within 1 mile
Nearest Lake
Pickerel Lake
0.0 mi
Based on 3 rated schools nearby
Range: 4/10 to 5/10
School District: Newaygo Public School District
Walkability
Car-dependent
Overall walkability score out of 10
Based on actual walk/bike/drive times to nearby amenities via Mapbox
Leppinks Food Centers
Little Caesars
Riverstop Cafe
Sportsman's Bar
Newaygo Boating Access Site
Playground in Village Of Newaygo
Ackland Lake
Beach in Olds Manor Area
Refuge MTB Trail
Cycleway loop off Centerline Ct
Newaygo Area District Library
Fremont Cinemas
To buy a median-priced Garfield home (around $304,850) at today's 6.49% 30-year fixed rate with 20% down, you'd need roughly $49k/year in household income to qualify — an estimated monthly payment of $1,851 (principal, interest, property tax, and insurance).
The typical Garfield household earns $74,306 — above what the median home requires. At that income, a buyer can afford roughly $478,000 with 20% down.
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $1,851/mo | $49,362 |
| 10% (+PMI) | $2,158/mo | $57,544 |
| 5% (+PMI) | $2,260/mo | $60,279 |
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
4 parcels
Active / pending
Typical Land Value
$58K/acre
Median asking
Median Price
$140K
Per listing
Who actually lends in Garfield, 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
~$903/yr in electricity from a typical rooftop solar system
Produces ~6,318 kWh/yr · offsets ~60% of a typical home's use
Private well
Rural township; private wells typical outside any utility district.
Chain of Lakes Area Utility Authority (COLA)
Garfield is a constituent of COLA, providing sewer to the area (5546 S Evergreen, Newaygo).
Resident-arranged private hauler
Residents arrange private trash haulers.
Consumers Energy Co|Great Lakes Energy Coop · ~14.3¢/kWh
Regional IOU.
Confirm by addressNewaygo Fire District (~60% of township)
Newaygo Fire District covers ~60% of Garfield Twp; remainder by adjacent depts.
Source: garfieldtownship.org
Utility, solar, and service details for Garfield 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
$74K
Home Value (Census)
$235K
🛒 Grocery(2)
Leppinks Food Centers
Grocery Store
Grocery Store
🍕 Restaurants(6)
Fast Food
River Banks Nutrition
Fast Food
Fast Food
Fast Food
Fast Food
+1 more within 5 miles
🍺 Bars(3)
🏫 Schools(10)
Garfield Center School
School
Kimball Lake School
School
+5 more within 5 miles
🌳 Parks(4)
+1 more within 5 miles
🚴 Trails(4)
Unnamed bike_path
Bike Path
Bike Path
Bike Path
Cycleway from Linden Ave to Mason Dr
Bike Path
+1 more within 5 miles
📚 Libraries(1)
Newaygo Area District Library
Frequently asked about Garfield
- What do homes cost in Garfield?
- The median home value in Garfield is about $304,850. Individual prices vary by street, size, and condition.
- How active is the Garfield housing market?
- there are 7 homes for sale in Garfield right now, and 14 homes sold here in the last 12 months. Listings refresh throughout the day from the MichRIC MLS.
- What schools serve Garfield?
- Garfield is served by Newaygo Public School District. Its highest-rated assigned school is Newaygo Elementary School (5/10).
- Is Garfield walkable?
- Garfield scores 0.9/10 for walkability — a measure of walking, biking, and driving access to groceries, dining, parks, schools, and transit.
