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.
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Why people love it here
$215K median
- Based on 3yr sales
Park-rich area
- 15 parks within 1 mile
Conventional Mortgage Calculator
Median home price in Howard City (Montcalm County)
Estimated Monthly Payment
$1,460/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.
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 6.65% 30-year fixed rate with 20% down, you'd need roughly $39k/year in household income to qualify — an estimated monthly payment of $1,448 (principal, interest, property tax est., and insurance).
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $1,448/mo | $38,618 |
| 10% (+PMI) | $1,667/mo | $44,449 |
| 5% (+PMI) | $1,740/mo | $46,408 |
Estimates use a 6.65% 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.
🍕 Restaurants(3)
🏫 Schools(5)
School
School
School
Little Whitefish School
Gaffield School
🌳 Parks(3)
🚴 Trails(3)
👶 Childcare(1)
Edgerton Building
Daycare
⚡ EV Charging(1)
ChargePoint
EV Charging
Atlas — Grand Rapids Real Estate
Local real estate specialists
Questions about Howard City (Montcalm County)? Our team can help with availability, schools, and what it's really like to live here.
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.
- How active is the Howard City (Montcalm County) housing market?
- there is 1 home for sale in Howard City (Montcalm County) right now. Listings refresh throughout the day from the MichRIC MLS.
- 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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