Otisco
Surrounded by nature
4 homes for sale·Median $335K·Walkability 0.8/10·Schools 4.7/10
The kind of place where you pull in and immediately notice the land—20,000-some acres of it, spread thin enough that you can actually see sky. There's a grocery within a short drive and restaurants that range from steps away to a quick jaunt, a coffee shop less than a mile out, which means the essentials are there without the feeling of being paved over. Water Street Park sits about a 13-minute walk away if you want that kind of thing. Homes run around $335K, which in this corner of Ionia County buys you actual acreage and the Berrien Springs Public Schools district. It's the kind of West Michigan township that doesn't announce itself—no billboards, no hype—just solid land and room to breathe, the sort of place you end up choosing because you looked at the map and realized you could have both rural quiet and reasonable access to things, downtown Grand Rapids sitting about 43 minutes away if you actually need to head that direction. Not for everyone, but then again, the people who land here seem to know exactly what they came for.
Why people love it here
Near the water
- Green Lake — 0.7 mi
- 5 parks within 1 mile
- Fred Meijer Flat River Valley Rail Trail: 2 min drive
- Kent County Trail: 3 min drive
$67K median household income
- $335K median · 32 sales in last 12mo
Conventional Mortgage Calculator
Median home price in Otisco
Estimated Monthly Payment
$2,274/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.
32 homes sold in Otisco this year. Thinking of selling?
See what your home is worthFlood Risk
None
Not in flood zone
Nearest Park
Water Street Park
0.7 mi
Parks Nearby
5
within 1 mile
Nearest Lake
Green Lake
0.7 mi
Based on 3 rated schools nearby
Range: 3/10 to 6/10
School District: Berrien Springs Public Schools
Walkability
Car-dependent
Overall walkability score out of 10
Based on actual walk/bike/drive times to nearby amenities via Mapbox
Leppinks Food Centers
Burger King
Third Wave Coffee Shop
American Legion
Demorest Field
Playground in Kenwood Ave & N Demorest St Area
Haney Lake
Silk City Nature Trail
Fred Meijer Flat River Valley Rail Trail
Leppinks Pharmacy
Alvah N. Belding Memorial Library
Most of Otisco 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 Otisco alone. Crime is reported at the jurisdiction level and varies block to block within any community.
To buy a median-priced Otisco home (around $334,900) at today's 6.49% 30-year fixed rate with 20% down, you'd need roughly $54k/year in household income to qualify — an estimated monthly payment of $2,008 (principal, interest, property tax, and insurance).
The typical Otisco household earns $67,155 — above what the median home requires. At that income, a buyer can afford roughly $429,000 with 20% down.
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $2,008/mo | $53,550 |
| 10% (+PMI) | $2,345/mo | $62,538 |
| 5% (+PMI) | $2,458/mo | $65,544 |
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
Median Price
$35K
Per listing
Who actually lends in Otisco, 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
Otisco 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
~$859/yr in electricity from a typical rooftop solar system
Produces ~6,266 kWh/yr · offsets ~60% 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 Otisco 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
$67K
Home Value (Census)
$234K
🛒 Grocery(1)
Grocery Store
🍕 Restaurants(2)
Fast Food
Fast Food
☕ Coffee(1)
Third Wave Coffee Shop
Café
🏫 Schools(4)
🌳 Parks(4)
+1 more within 5 miles
🚴 Trails(3)
💊 Pharmacies(1)
Leppinks Pharmacy
Pharmacy
📚 Libraries(1)
Alvah N. Belding Memorial Library
Frequently asked about Otisco
- What do homes cost in Otisco?
- The median home value in Otisco is about $334,900. Individual prices vary by street, size, and condition.
- How active is the Otisco housing market?
- there are 4 homes for sale in Otisco right now, and 32 homes sold here in the last 12 months. Listings refresh throughout the day from the MichRIC MLS.
- What schools serve Otisco?
- Otisco is served by Berrien Springs Public Schools. Its highest-rated assigned school is Woodview Elementary School (6/10).
- Is Otisco walkable?
- Otisco scores 0.8/10 for walkability — a measure of walking, biking, and driving access to groceries, dining, parks, schools, and transit.
