Howard City
Solid value in a growing area
Median $246K·Schools 5.0/10
The most memorable thing about this area is how many Victorian and turn-of-the-century homes anchor the streets—real architecture with bones worth restoring, not the generic stuff you see everywhere else. Corner lots with circle driveways, half-acre parcels, and enough room to actually do something with the land show up regularly here, and Tamarack Creek runs through the eastern edge with frontage available if you're lucky. A near-downtown location means nearby amenities cluster close: restaurants are a 7-minute walk, Minnie Farmer Park sits adjacent, and three parks total lie within a mile. School access works for families with children—most properties mention walkability to classes. The bones of this neighborhood are solid 1800s and early 1900s construction; what you get depends on whether someone's already done the TLC or left that work for you.
Why people love it here
$246K median
- 2 recent sales
Park-rich area
- 15 parks within 1 mile
Explore Howard City
Same name, different focus — Howard City is also covered as:
- Howard City Village — village details
Mortgage Calculator
Median home price in Howard City
Estimated Monthly Payment
$1,672/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
Flood Risk
None
Not in flood zone
Nearest Park
Minnie Farmer Park
0.2 mi
Parks Nearby
15
within 1 mile
Based on 2 rated schools nearby
Range: 4/10 to 6/10
School District: Tri County Area Schools
Crime in Howard City 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 Montcalm County.
Montcalm County crime & safety stats →To buy a median-priced Howard City home (around $246,250) at today's 6.43% 30-year fixed rate with 20% down, you'd need roughly $43k/year in household income to qualify — an estimated monthly payment of $1,630 (principal, interest, property tax est., and insurance).
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $1,630/mo | $43,470 |
| 10% (+PMI) | $1,877/mo | $50,053 |
| 5% (+PMI) | $1,959/mo | $52,250 |
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, plus estimated insurance and PMI below 20% down. Not an APR or a commitment to lend — your actual rate and payment will vary.
🍕 Restaurants(3)
🏫 Schools(5)
School
School
School
Little Whitefish School
Gaffield School
🌳 Parks(6)
+3 more within 5 miles
🚴 Trails(3)
👶 Childcare(1)
Edgerton Building
Daycare
Frequently asked about Howard City
- What do homes cost in Howard City?
- The median home value in Howard City is about $246,250. Individual prices vary by street, size, and condition.
- How active is the Howard City housing market?
- there are 3 homes for sale in Howard City right now, and 2 homes sold here in the last 12 months. Listings refresh throughout the day from the MichRIC MLS.
- What schools serve Howard City?
- Howard City is served by Tri County Area Schools. Its highest-rated assigned school is Tri County Senior High School (6/10).
Top contributors in Howard City
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