Montcalm
Great schools with outdoor access
12 homes for sale·Median $300K·Walkability 1.5/10·Schools 7.8/10
...so you're looking at a stretch of West Michigan where acreage still means something. Most parcels here run over an acre—plenty of folks are working with two, three, even eighty if they're serious about space. Barns, outbuildings, wooded lots, access to all-sports lakes like Perch and Lincoln—this is the kind of place where "country setting" isn't marketing copy, it's just what you wake up to. New construction sits alongside farmhouses with character, and the updates people make tend to stick: in-floor heat, granite, open layouts. You get the sense that when someone builds or renovates out here, they're not chasing trends.
Why people love it here
$68K median household income
- $300K median · 21 sales in last 12mo
Near the water
- Bass Lake — 0.9 mi
- Montcalm Township Park: 8 min bike
- McCarthy Park: 4 min drive
Conventional Mortgage Calculator
Median home price in Montcalm
Estimated Monthly Payment
$2,037/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.
21 homes sold in Montcalm this year. Thinking of selling?
See what your home is worthBased on 5 rated schools nearby
Range: 7/10 to 9/10
School District: Greenville Public Schools
Flood Risk
None
Not in flood zone
Nearest Park
Montcalm Township Park
1.3 mi
Parks Nearby
0
within 1 mile
Nearest Lake
Bass Lake
0.9 mi
Walkability
Car-dependent
Overall walkability score out of 10
Based on actual walk/bike/drive times to nearby amenities via Mapbox
Wendy's
Langston Bar
Montcalm Township Park
Playground on Williams Woods Dr
Beach in Golden Oak Park Half Mile Lake
Fred Meijer Heartland Trail
Bass Lake Launch
Flat River Community Library
Greeneville Cinema
Most of Montcalm is policed by the Montcalm County Sheriff's Office. Across that jurisdiction in 2024, the most common reported offenses were larceny / theft (186 per 100,000 residents) and aggravated assault (83 per 100,000 residents), per FBI Uniform Crime Reporting.
No homicides were reported in 2024.
| Offense type | Per 100k residents |
|---|---|
| Larceny / theft | 186 |
| Aggravated assault | 83 |
| Burglary | 65 |
| Rape | 43 |
| Motor-vehicle theft | 25 |
| Robbery | 2 |
| Homicide | 0 |
| Arson | 0 |
Reported offenses per 100,000 residents, Montcalm County Sheriff's Office, FBI Uniform Crime Reporting (2024). Figures cover the Montcalm County Sheriff's Office's full jurisdiction (the county's unincorporated areas), not Montcalm alone. Crime is reported at the jurisdiction level and varies block to block within any community.
To buy a median-priced Montcalm home (around $300,000) at today's 6.49% 30-year fixed rate with 20% down, you'd need roughly $48k/year in household income to qualify — an estimated monthly payment of $1,790 (principal, interest, property tax, and insurance).
The typical Montcalm household earns $67,688 — above what the median home requires. At that income, a buyer can afford roughly $439,000 with 20% down.
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $1,790/mo | $47,726 |
| 10% (+PMI) | $2,092/mo | $55,777 |
| 5% (+PMI) | $2,193/mo | $58,469 |
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
5 parcels
Active / pending
Typical Land Value
$17K/acre
Median asking
Median Price
$75K
Per listing
Who actually lends in Montcalm, 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.
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
~$888/yr in electricity from a typical rooftop solar system
Produces ~6,479 kWh/yr · offsets ~62% of a typical home's use
Private well
Mostly private wells; areas near Greenville may have city water.
Septic - individual
Mostly individual septic; some near-Greenville parcels on city sewer.
Resident-arranged private hauler
No municipal trash; residents contract private haulers.
Consumers Energy Co · ~13.7¢/kWh
Primary electric provider for the area.
Confirm by addressNatural gas where available; rural homes often on propane.
Confirm by addressSource: montcalmtownship.gov
Utility, solar, and service details for Montcalm 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
$68K
Home Value (Census)
$182K
🏫 Schools(5)
🌳 Parks(5)
+2 more within 5 miles
🚴 Trails(4)
Fred Meijer Heartland Trail
Bike Path
Bike Path
Bike Path
Unnamed bike_path
Bike Path
+1 more within 5 miles
⛵ Boat Launches(1)
Boat Launch
Frequently asked about Montcalm
- What do homes cost in Montcalm?
- The median home value in Montcalm is about $300,000. Individual prices vary by street, size, and condition.
- How active is the Montcalm housing market?
- there are 12 homes for sale in Montcalm right now, and 21 homes sold here in the last 12 months. Listings refresh throughout the day from the MichRIC MLS.
- What schools serve Montcalm?
- Montcalm is served by Greenville Public Schools. Its highest-rated assigned school is Lincoln Heights Elementary School (6/10).
- Is Montcalm walkable?
- Montcalm scores 1.5/10 for walkability — a measure of walking, biking, and driving access to groceries, dining, parks, schools, and transit.
