Howard City (Montcalm County)
Solid value in a growing area
Median $215K·Schools 5.0/10
This stretch of Montcalm County sits roughly thirty minutes from Grand Rapids, close enough for a drive but far enough to feel genuinely removed. The homes here lean toward recent renovations—open layouts, granite countertops, fresh paint—often built on generous lots that give you actual yard space. Exposed original plank walls from the 1920s pop up in older houses, and metal roofing appears frequently alongside cedar trim, a regional sensibility about materials that hold up.
Why people love it here
$215K median
- Based on 3yr sales
Park-rich area
- 15 parks within 1 mile
Mortgage Calculator
Median home price in Howard City (Montcalm County)
Estimated Monthly Payment
$1,460/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
Herbert J. Peck Park
0.4 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 (Montcalm County) 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 (Montcalm County) home (around $215,000) at today's 6.43% 30-year fixed rate with 20% down, you'd need roughly $38k/year in household income to qualify — an estimated monthly payment of $1,423 (principal, interest, property tax est., and insurance).
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $1,423/mo | $37,953 |
| 10% (+PMI) | $1,639/mo | $43,701 |
| 5% (+PMI) | $1,711/mo | $45,619 |
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 (Montcalm County)
- What do homes cost in Howard City (Montcalm County)?
- The median home value in Howard City (Montcalm County) is about $215,000. Individual prices vary by street, size, and condition.
- What schools serve Howard City (Montcalm County)?
- Howard City (Montcalm County) 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 (Montcalm County)
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