Hartwick
Solid value in a growing area
1 home for sale·Median $210K·Schools 4.7/10
Out here, your daily rhythm is set by land and water rather than traffic lights. The area sits on the edge of Lake Michigan, with cabins and cottages lining quiet roads flanked by mature hardwoods and rolling acreage that connects to thousands of acres of state land. Most homes sit on substantial parcels, some twenty acres or more, which means neighbors aren't close enough to bother you but far enough that privacy feels real. Lakefront properties offer 64 feet of water frontage or more, with decks overlooking no-wake waters; inland homes back up to forest and wildlife habitat. A restaurant is about three miles down the road, so grabbing a meal requires a short drive—nothing that changes the pace of living here, just shapes it.
Why people love it here
$63K median household income
- $210K median · 4 sales in last 12mo
Mortgage Calculator
Median home price in Hartwick
Estimated Monthly Payment
$1,422/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
4 homes sold in Hartwick this year. Thinking of selling?
See what your home is worthBased on 3 rated schools nearby
Range: 3/10 to 6/10
School District: Evart Public Schools
Most of Hartwick is policed by the Osceola County Sheriff's Office. Across that jurisdiction in 2024, the most common reported offenses were larceny / theft (365 per 100,000 residents) and burglary (170 per 100,000 residents), per FBI Uniform Crime Reporting.
No homicides were reported in 2024.
| Offense type | Per 100k residents |
|---|---|
| Larceny / theft | 365 |
| Burglary | 170 |
| Aggravated assault | 123 |
| Rape | 77 |
| Motor-vehicle theft | 77 |
| Arson | 10 |
| Homicide | 0 |
| Robbery | 0 |
Reported offenses per 100,000 residents, Osceola County Sheriff's Office, FBI Uniform Crime Reporting (2024). Figures cover the Osceola County Sheriff's Office's full jurisdiction (the county's unincorporated areas), not Hartwick alone. Crime is reported at the jurisdiction level and varies block to block within any community.
To buy a median-priced Hartwick home (around $209,500) at today's 6.43% 30-year fixed rate with 20% down, you'd need roughly $33k/year in household income to qualify — an estimated monthly payment of $1,240 (principal, interest, property tax, and insurance).
The typical Hartwick household earns $62,891 — above what the median home requires. At that income, a buyer can afford roughly $418,000 with 20% down.
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $1,240/mo | $33,072 |
| 10% (+PMI) | $1,450/mo | $38,673 |
| 5% (+PMI) | $1,520/mo | $40,542 |
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
3 parcels
Active / pending
Typical Land Value
$10K/acre
Median asking
Median Price
$75K
Per listing
Who actually lends in Hartwick, 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.
Private well
Rural township
Septic - individual
Individual septic systems
Private hauler (resident-arranged)
Resident-arranged hauler
Consumers Energy / propane
Natural gas where available; otherwise propane
Confirm by addressMarion Community Fire Department
Marion-area fire coverage via mutual aid
Source: cms4files.revize.com
Utility, solar, and service details for Hartwick 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
$63K
Home Value (Census)
$139K
Flood Risk
None
Not in flood zone
Nearest Park
Rose Lake Park
6.4 mi
Parks Nearby
0
within 1 mile
Frequently asked about Hartwick
- What do homes cost in Hartwick?
- The median home value in Hartwick is about $209,500. Individual prices vary by street, size, and condition.
- How active is the Hartwick housing market?
- there is 1 home for sale in Hartwick right now, and 4 homes sold here in the last 12 months. Listings refresh throughout the day from the MichRIC MLS.
- What schools serve Hartwick?
- Hartwick is served by Evart Public Schools. Its highest-rated assigned school is Evart Middle School (6/10).
Top contributors in Hartwick
Detailed statistics are being computed for this location. Demographics, home values, schools, flood risk, and more will appear here automatically.
