Hamlin
Strong schools draw families here
18 homes for sale·Median $380K·Schools 7.3/10
Late afternoon, when the light catches the water and the shoreline feels less crowded—that's when this place shows itself. The area sits wedged between Lake Michigan to the west and Hamlin Lake to the east, which means water defines almost every decision you make here, from where you build to where you spend a weekend evening. Homes cluster on one-acre lots with room to breathe, many oriented toward the lakes with decks and docks and fire pits facing the view; some sit back in wooded cul-de-sacs just minutes from downtown, trading waterfront for privacy among the trees. The practical stuff is close: restaurants are steps away, a coffee shop about a mile down the road, and Ramps and Rails Skate Park sits right adjacent if you've got kids with energy to burn. What lingers when you're standing here, though, is the specificity of it—not generic lake country, but a particular Michigan stretch where you're choosing between sunrise from a cottage deck or sunset from your backyard, and either way, you're watching it off water.
Why people love it here
Ludington High School
- High — 5.1 mi away
- Ludington Area
- 3 rated schools in district
$71K median household income
- $380K median · 37 sales in last 12mo
Mortgage Calculator
Median home price in Hamlin
Estimated Monthly Payment
$2,580/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
37 homes sold in Hamlin this year. Thinking of selling?
See what your home is worthBased on 3 rated schools nearby
Range: 7/10 to 8/10
School District: Ludington Area School District
Most of Hamlin 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 Hamlin alone. Crime is reported at the jurisdiction level and varies block to block within any community.
To buy a median-priced Hamlin home (around $380,000) at today's 6.43% 30-year fixed rate with 20% down, you'd need roughly $60k/year in household income to qualify — an estimated monthly payment of $2,268 (principal, interest, property tax, and insurance).
The typical Hamlin household earns $70,739 — above what the median home requires. At that income, a buyer can afford roughly $452,000 with 20% down.
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $2,268/mo | $60,478 |
| 10% (+PMI) | $2,649/mo | $70,637 |
| 5% (+PMI) | $2,776/mo | $74,027 |
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
8 parcels
Active / pending
Typical Land Value
$28K/acre
Median asking
Median Price
$33K
Per listing
Multifamily for sale
Listings
1 building
Active / pending
Median Price
$339K
Per building
Price Per Unit
$170K
Median
Who actually lends in Hamlin, 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
$71K
Home Value (Census)
$251K
Flood Risk
None
Not in flood zone
Nearest Park
South Bayou Park
1.4 mi
Parks Nearby
0
within 1 mile
Frequently asked about Hamlin
- What do homes cost in Hamlin?
- The median home value in Hamlin is about $380,000. Individual prices vary by street, size, and condition.
- How active is the Hamlin housing market?
- there are 18 homes for sale in Hamlin right now, and 37 homes sold here in the last 12 months. Listings refresh throughout the day from the MichRIC MLS.
- What schools serve Hamlin?
- Hamlin is served by Ludington Area School District. Its highest-rated assigned school is Ludington High School (8/10).
Top contributors in Hamlin
Detailed statistics are being computed for this location. Demographics, home values, schools, flood risk, and more will appear here automatically.
