Harvard
Easy outdoor access
Median $446K·Walkability 4.3/10·Schools 6.0/10
...and out here, the lots sprawl generous—acre-plus parcels with room to breathe, the kind of setting where a fenced yard and a deck overlooking conservation land doesn't feel like a luxury. Homes tend toward ranch and contemporary builds, often updated with granite counters and main-floor laundry, flex rooms that adapt to whatever you need. The vibe is rural enough that privacy comes standard, close enough to Oakfield township that you're not stranded.
Why people love it here
Near the water
- Brown Lake — 0.6 mi
- Harvard Lake: 8 min bike
- WABASIS COUNTY PARK Beach: 11 min drive
$446K median
- 10 sales in last 12mo
Conventional Mortgage Calculator
Median home price in Harvard
Estimated Monthly Payment
$3,027/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.
10 homes sold in Harvard this year. Thinking of selling?
See what your home is worthNearest Park
White Pine Park
3.7 mi
Parks Nearby
0
within 1 mile
Nearest Lake
Brown Lake
0.6 mi
Walkability
Fair
Overall walkability score out of 10
Based on actual walk/bike/drive times to nearby amenities via Mapbox
The Lunch Spot
BIGGBY COFFEE
Harvard Bar
Harvard Lake
WABASIS COUNTY PARK Beach
Wabasis Lake Park Launch
Spencer Township Library
Northstar Cinema
Based on 3 rated schools nearby
Range: 5/10 to 7/10
School District: Cedar Springs Public Schools
Crime in Harvard is reported at the city level, not the neighborhood level. The FBI doesn't publish reliable crime rates for individual neighborhoods, and within any community crime varies street to street. For an accurate, comparable picture, see the jurisdiction-wide figures for Kent County.
Kent County crime & safety stats →To buy a median-priced Harvard home (around $445,950) at today's 6.49% 30-year fixed rate with 20% down, you'd need roughly $79k/year in household income to qualify — an estimated monthly payment of $2,966 (principal, interest, property tax est., and insurance).
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $2,966/mo | $79,097 |
| 10% (+PMI) | $3,415/mo | $91,065 |
| 5% (+PMI) | $3,565/mo | $95,067 |
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, 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
2 parcels
Active / pending
Typical Land Value
$44K/acre
Median asking
Median Price
$120K
Per listing
Who actually lends in Harvard, 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 · area-wide
Oakfield Township
Source: oakfieldtwp.org · 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.
Solar potential
~$920/yr in electricity from a typical rooftop solar system
Produces ~6,439 kWh/yr · offsets ~61% of a typical home's use
Private well
Based on assessor parcel records
Septic (individual)
Based on assessor parcel records
Resident-arranged private hauler
Consumers Energy Co|Great Lakes Energy Coop · ~14.3¢/kWh
Service splits by location — other areas may be served by Great Lakes Energy. Confirm by address.
Confirm by addressServices for Oakfield · Source: NREL Utility Rates API
Utility, solar, and service details for Harvard 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.
🍕 Restaurants(4)
☕ Coffee(1)
Biggby Coffee
Café
🍺 Bars(4)
+1 more within 5 miles
🏫 Schools(1)
🌳 Parks(6)
+3 more within 5 miles
⛵ Boat Launches(2)
Boat Launch
Boat Launch
📚 Libraries(1)
Spencer Township Library
Frequently asked about Harvard
- What do homes cost in Harvard?
- The median home value in Harvard is about $445,950. Individual prices vary by street, size, and condition.
- How active is the Harvard housing market?
- there are 4 homes for sale in Harvard right now, and 10 homes sold here in the last 12 months. Listings refresh throughout the day from the MichRIC MLS.
- What schools serve Harvard?
- Harvard is served by Cedar Springs Public Schools. Its highest-rated assigned school is Cedar View Elementary School (7/10).
- Is Harvard walkable?
- Harvard scores 4.3/10 for walkability — a measure of walking, biking, and driving access to groceries, dining, parks, schools, and transit.
Top contributors in Harvard
Detailed statistics are being computed for this location. Demographics, home values, schools, flood risk, and more will appear here automatically.