Keene
Explore this community
1 home for sale·Median $642K·Walkability 2.0/10·Schools 6.7/10
The Flat River drifts through the northwest corner of this township without much fanfare—never powerful enough for mills, never ambitious enough to spawn a village—which pretty much sums up the place: thirty-six square miles of productive farmland and houses where people stay put. Most residents have lived in the same spot for at least five years, the kind of stability that comes from knowing your plot of land will grow what you plant, whether that's crops or roots.
Why people love it here
Saranac Elementary School
- Elementary — 5.6 mi away
- Saranac
- 2 rated schools in district
$91K median household income
- $642K median · 3 sales in last 12mo
Conventional Mortgage Calculator
Median home price in Keene
Estimated Monthly Payment
$4,355/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.
3 homes sold in Keene this year. Thinking of selling?
See what your home is worthBased on 3 rated schools nearby
Range: 6/10 to 7/10
School District: Saranac Community Schools
Walkability
Limited
Overall walkability score out of 10
Based on actual walk/bike/drive times to nearby amenities via Mapbox
Saranac-Lowell State Game Area
Cahoon Lake
North Country Trail
Most of Keene is policed by the Ionia County Sheriff's Office. Across that jurisdiction in 2024, the most common reported offenses were larceny / theft (385 per 100,000 residents) and aggravated assault (56 per 100,000 residents), per FBI Uniform Crime Reporting.
No homicides were reported in 2024.
| Offense type | Per 100k residents |
|---|---|
| Larceny / theft | 385 |
| Aggravated assault | 56 |
| Motor-vehicle theft | 49 |
| Burglary | 46 |
| Rape | 39 |
| Arson | 5 |
| Homicide | 0 |
| Robbery | 0 |
Reported offenses per 100,000 residents, Ionia County Sheriff's Office, FBI Uniform Crime Reporting (2024). Figures cover the Ionia County Sheriff's Office's full jurisdiction (the county's unincorporated areas), not Keene alone. Crime is reported at the jurisdiction level and varies block to block within any community.
To buy a median-priced Keene home (around $641,500) at today's 6.49% 30-year fixed rate with 20% down, you'd need roughly $99k/year in household income to qualify — an estimated monthly payment of $3,701 (principal, interest, property tax, and insurance).
The typical Keene household earns $90,625 — about $8,075 below what the median home requires, which is why many local buyers look below $641,500 or put more down. At that income, a buyer can afford roughly $585,000 with 20% down.
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $3,701/mo | $98,700 |
| 10% (+PMI) | $4,347/mo | $115,917 |
| 5% (+PMI) | $4,563/mo | $121,674 |
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 and median property taxes, 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
1 parcel
Active / pending
Typical Land Value
$32K/acre
Median asking
Median Price
$275K
Per listing
Who actually lends in Keene, 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
Keene Township
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
~$878/yr in electricity from a typical rooftop solar system
Produces ~6,403 kWh/yr · offsets ~61% of a typical home's use
Private well
Rural; individual wells.
Septic - individual
On-site septic.
Resident-arranged private hauler
Resident contracts hauler.
Source: ioniacounty.org
Utility, solar, and service details for Keene 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
$91K
Home Value (Census)
$282K
Flood Risk
None
Not in flood zone
Nearest Park
Saranac-Lowell State Game Area
2.4 mi
Parks Nearby
0
within 1 mile
Frequently asked about Keene
- What do homes cost in Keene?
- The median home value in Keene is about $641,500. Individual prices vary by street, size, and condition.
- How active is the Keene housing market?
- there is 1 home for sale in Keene right now, and 3 homes sold here in the last 12 months. Listings refresh throughout the day from the MichRIC MLS.
- What schools serve Keene?
- Keene is served by Saranac Community Schools. Its highest-rated assigned school is Saranac Elementary School (7/10).
- Is Keene walkable?
- Keene scores 2.0/10 for walkability — a measure of walking, biking, and driving access to groceries, dining, parks, schools, and transit.