Hart
Solid value in a growing area
12 homes for sale·Median $383K·Schools 6.3/10
...and what really sets this stretch apart is how close everything actually is. You've got Lake Michigan practically at your doorstep, and the nearest grocery and restaurants are just a couple of minutes on foot, which means the car stays home more often than you'd expect for a rural area. There's a real mix of what draws people here—wooded lots that feel genuinely removed, and enough acreage nearby if you want land to work with. The sales tell the story: farmhouses on five acres, pole barns, disc golf courses. This isn't one thing.
Why people love it here
$58K median household income
- $383K median · 6 sales in last 12mo
Hart High School
- High — 1.9 mi away
- Hart
- 3 rated schools in district
Mortgage Calculator
Median home price in Hart
Estimated Monthly Payment
$2,597/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
6 homes sold in Hart this year. Thinking of selling?
See what your home is worthBased on 3 rated schools nearby
Range: 5/10 to 8/10
School District: Hart Public School District
Most of Hart 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 Hart alone. Crime is reported at the jurisdiction level and varies block to block within any community.
To buy a median-priced Hart home (around $382,500) at today's 6.43% 30-year fixed rate with 20% down, you'd need roughly $59k/year in household income to qualify — an estimated monthly payment of $2,227 (principal, interest, property tax, and insurance).
The typical Hart household earns $58,393 — about $981 below what the median home requires, which is why many local buyers look below $382,500 or put more down. At that income, a buyer can afford roughly $376,000 with 20% down.
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $2,227/mo | $59,374 |
| 10% (+PMI) | $2,610/mo | $69,599 |
| 5% (+PMI) | $2,738/mo | $73,012 |
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
6 parcels
Active / pending
Typical Land Value
$18K/acre
Median asking
Median Price
$50K
Per listing
Who actually lends in Hart, 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.
Local Government
Hart 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 (City of Hart water in adjacent corridors)
Township is mostly private wells; surrounds City of Hart
Septic - individual
No township municipal sewer; individual septic
Resident-arranged private hauler; Oceana County transfer/recycling
No municipal collection; county transfer/recycling available
Service splits by location — other areas may be served by Great Lakes Energy. Confirm by address.
Confirm by addressDTE Energy / propane in rural areas
DTE serves Hart area; rural portions on propane
Confirm by addressCity of Hart Fire Department (area coverage)
Hart FD provides area coverage around the city
Source: oceana.mi.us
Utility, solar, and service details for Hart 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
$58K
Home Value (Census)
$177K
Flood Risk
None
Not in flood zone
Nearest Park
Liberty Park
1.6 mi
Parks Nearby
0
within 1 mile
🛒 Grocery(1)
Hansen Foods
Grocery Store
🍕 Restaurants(2)
Fast Food
🏫 Schools(7)
Donaldson School
Oceana Intermediate School
Van Wickle School
Garver School
Brooks School
+2 more within 5 miles
🚴 Trails(5)
Hart-Montague Bicycle Trail
Bike Path
Unnamed bike_path
Bike Path
Bike Path
Bike Path
+2 more within 5 miles
📚 Libraries(1)
Hart Public Library
Frequently asked about Hart
- What do homes cost in Hart?
- The median home value in Hart is about $382,500. Individual prices vary by street, size, and condition.
- How active is the Hart housing market?
- there are 12 homes for sale in Hart right now, and 6 homes sold here in the last 12 months. Listings refresh throughout the day from the MichRIC MLS.
- What schools serve Hart?
- Hart is served by Hart Public School District. Its highest-rated assigned school is Hart High School (8/10).
Top contributors in Hart
Detailed statistics are being computed for this location. Demographics, home values, schools, flood risk, and more will appear here automatically.