Osceola County
Solid value in a growing area
Median $205K
Out here, you're moving through a landscape of open land and water—sprawling acreage broken up by ponds and rolling hills, lakefront stretches where you can actually see sand and sky, and quiet roads that feel genuinely removed from the noise. The area sits right against Lake Michigan, and a few miles inland you'll find all-sports lakes like Rose and Strawberry that draw people year-round; there's also Pretty Lake Boating Access just steps away if you want to get on the water without ceremony. Small towns dot the county—Reed City, Evart, and others—with enough restaurants and coffee within immediate reach that you're not driving far for a meal, though the real character here is the space itself: 30-plus-acre properties with pole barns and ponds, dense woods, orchards, and farmland that make it feel like you've actually left somewhere. A lot of what gets built out here leans into that rural-but-maintained sensibility—updated ranch homes on acreage, guest cottages, walkout basements, the kind of property where you can have both room to breathe and a functioning kitchen. It's not a suburb and it's not pretending to be; it's the place you move to when you want actual separation from the grid.
Why people love it here
$57K median household income
- $205K median · 165 sales in last 12mo
Mortgage Calculator
Median home price in Osceola County
Estimated Monthly Payment
$1,392/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
165 homes sold in Osceola County this year. Thinking of selling?
See what your home is worthIn 2024, the most common reported offenses in Osceola County were larceny / theft (365 per 100,000 residents) and burglary (170 per 100,000 residents), per FBI Uniform Crime Reporting.
No homicides were reported in 2024.
| Offense type | Per 100k residents |
|---|---|
| Larceny / theft | 365 |
| Burglary | 170 |
| Aggravated assault | 123 |
| Rape | 77 |
| Motor-vehicle theft | 77 |
| Arson | 10 |
| Homicide | 0 |
| Robbery | 0 |
Reported offenses per 100,000 residents, Osceola 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 Osceola County home (around $205,000) at today's 6.43% 30-year fixed rate with 20% down, you'd need roughly $33k/year in household income to qualify — an estimated monthly payment of $1,224 (principal, interest, property tax, and insurance).
The typical Osceola County household earns $57,050 — above what the median home requires. At that income, a buyer can afford roughly $375,000 with 20% down.
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $1,224/mo | $32,639 |
| 10% (+PMI) | $1,429/mo | $38,119 |
| 5% (+PMI) | $1,498/mo | $39,948 |
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
38 parcels
Active / pending
Typical Land Value
$8K/acre
Median asking
Median Price
$77K
Per listing
Multifamily for sale
Listings
2 buildings
Active / pending
Median Price
$180K
Per building
Price Per Unit
$90K
Median
Who actually lends in Osceola 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
$57K
Home Value (Census)
$140K
Flood Risk
None
Not in flood zone
Nearest Park
Rose Lake Forest Beach Access
6.0 mi
Parks Nearby
0
within 1 mile
Frequently asked about Osceola County
- What do homes cost in Osceola County?
- The median home value in Osceola County is about $205,000. Individual prices vary by street, size, and condition.
- How active is the Osceola County housing market?
- there are 78 homes for sale in Osceola County right now, and 165 homes sold here in the last 12 months. Listings refresh throughout the day from the MichRIC MLS.