Oceana County
Surrounded by nature
Median $280K
The shoreline defines everything out here—Lake Michigan sits right at the edge, making waterfront property the area's calling card, whether that's a log cabin on 120 feet of beach or a cottage across the street from public access. Inland, the character shifts to subdivisions with fenced yards and basements, hunting properties carved out of 40-acre parcels, and the occasional chalet tucked into the woods. Downtown strips have groceries, restaurants, and coffee within steps, with two dozen dining spots concentrated within a mile, so you're never far from a meal. Recent construction has brought new duplexes with granite and air conditioning alongside longstanding cottages with wood stoves and open beams—the mix of fresh builds and seasonal retreats gives the area its rhythm. Rail trails thread through, connecting neighborhoods and offering a gentler way to move around, while the proximity to Golden Township Park means access to green space is immediate and straightforward.
Why people love it here
Lake life
- Upper Silver Lake within walking distance
$64K median household income
- $280K median · 265 sales in last 12mo
Mortgage Calculator
Median home price in Oceana County
Estimated Monthly Payment
$1,901/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
265 homes sold in Oceana County this year. Thinking of selling?
See what your home is worthFlood Risk
None
Not in flood zone
Nearest Park
Golden Township Park
2.3 mi
Parks Nearby
0
within 1 mile
Nearest Lake
Upper Silver Lake
0.0 mi
In 2024, the most common reported offenses in Oceana County were larceny / theft (470 per 100,000 residents) and aggravated assault (180 per 100,000 residents), per FBI Uniform Crime Reporting.
For perspective, homicide — the most serious crime — was reported at about 0.005% of the population, roughly 1 in 20,000 residents.
| Offense type | Per 100k residents |
|---|---|
| Larceny / theft | 470 |
| Aggravated assault | 180 |
| Burglary | 119 |
| Motor-vehicle theft | 76 |
| Rape | 71 |
| Robbery | 9 |
| Homicide | 5 |
| Arson | 0 |
Reported offenses per 100,000 residents, Oceana County Sheriff's Office, FBI Uniform Crime Reporting (2024). Comparison cities are the nearest in population, ordered by size — not ranked by crime. Crime is reported at the jurisdiction level and varies block to block within any community.
To buy a median-priced Oceana County home (around $280,000) at today's 6.43% 30-year fixed rate with 20% down, you'd need roughly $44k/year in household income to qualify — an estimated monthly payment of $1,663 (principal, interest, property tax, and insurance).
The typical Oceana County household earns $63,624 — above what the median home requires. At that income, a buyer can afford roughly $415,000 with 20% down.
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $1,663/mo | $44,352 |
| 10% (+PMI) | $1,944/mo | $51,837 |
| 5% (+PMI) | $2,038/mo | $54,335 |
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 and median property taxes, plus estimated insurance and PMI below 20% down. Not an APR or a commitment to lend — your actual rate and payment will vary.
Land for sale
Listings
138 parcels
Active / pending
Typical Land Value
$16K/acre
Median asking
Median Price
$82K
Per listing
Who actually lends in Oceana County, 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.
Median Income
$64K
Home Value (Census)
$168K
🛒 Grocery(1)
Parkside Store
Grocery Store
🍕 Restaurants(3)
Restaurant
Restaurant
Sands Resturant
Restaurant
☕ Coffee(1)
Golden Bakery Donut Shop
Café
🌳 Parks(4)
+1 more within 5 miles
Frequently asked about Oceana County
- What do homes cost in Oceana County?
- The median home value in Oceana County is about $280,000. Individual prices vary by street, size, and condition.
- How active is the Oceana County housing market?
- there are 141 homes for sale in Oceana County right now, and 265 homes sold here in the last 12 months. Listings refresh throughout the day from the MichRIC MLS.
