Otsego
Quiet lots near top schools
24 homes for sale·Median $337K·Walkability 1.7/10·Schools 5.8/10
If you're headed out here, the first thing you'll notice is how much room you actually have—the average lot here runs about half an acre, and homes typically land around $355K. It's the kind of place where you can spread out without feeling like you're an hour from anything that matters. There are 23 restaurants within a mile, a grocery store practically next door, and coffee whenever you want it, so the essentials aren't some car ride away.
Why people love it here
23,562 sq ft avg lots
- 4 homes
Otsego High School
- High — 0.3 mi away
- Otsego
- 4 rated schools in district
$71K median household income
- $337K median · 54 sales in last 12mo
Explore Otsego
Same name, different focus — Otsego is also covered as:
- Otsego City — city details
Conventional Mortgage Calculator
Median home price in Otsego
Estimated Monthly Payment
$2,287/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.
54 homes sold in Otsego this year. Thinking of selling?
See what your home is worthMedian Income
$71K
Household
Median Sale Price
$337K
54 sales in last 12mo
Parcels
4
2 residential
Based on 4 rated schools nearby
Range: 4/10 to 9/10
School District: Otsego Public Schools
Walkability
Car-dependent
Overall walkability score out of 10
Based on actual walk/bike/drive times to nearby amenities via Mapbox
ALDI
Casa Real
+1 more
Mezzo Coffee House
Rhino's Pub
North Side Park
Playground in John Kolwoord's Add
Schnable Lake
Dog Park in Corporation Plat Area
Unnamed bike_path
River Bend Yoga
Walgreens
Otsego District Public Library
Plainwell Corners Preschool
M-89 Cinema
Most of Otsego is policed by the Allegan County Sheriff's Office. Across that jurisdiction in 2024, the most common reported offenses were larceny / theft (433 per 100,000 residents) and burglary (129 per 100,000 residents), per FBI Uniform Crime Reporting.
For perspective, homicide — the most serious crime — was reported at about 0.001% of the population, roughly 1 in 100,000 residents.
| Offense type | Per 100k residents |
|---|---|
| Larceny / theft | 433 |
| Burglary | 129 |
| Aggravated assault | 78 |
| Motor-vehicle theft | 58 |
| Rape | 9 |
| Arson | 7 |
| Robbery | 5 |
| Homicide | 1 |
Reported offenses per 100,000 residents, Allegan County Sheriff's Office, FBI Uniform Crime Reporting (2024). Figures cover the Allegan County Sheriff's Office's full jurisdiction (the county's unincorporated areas), not Otsego alone. Crime is reported at the jurisdiction level and varies block to block within any community.
To buy a median-priced Otsego home (around $336,950) 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 $2,040 (principal, interest, property tax, and insurance).
The typical Otsego household earns $71,494 — above what the median home requires. At that income, a buyer can afford roughly $456,000 with 20% down.
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $2,040/mo | $54,403 |
| 10% (+PMI) | $2,379/mo | $63,446 |
| 5% (+PMI) | $2,493/mo | $66,470 |
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
7 parcels
Active / pending
Typical Land Value
$26K/acre
Median asking
Median Price
$65K
Per listing
Multifamily for sale
Listings
1 building
Active / pending
Median Price
$350K
Per building
Price Per Unit
$175K
Median
Who actually lends in Otsego, 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
Otsego Township
Source: otsegotownship.org · 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
~$901/yr in electricity from a typical rooftop solar system
Produces ~6,306 kWh/yr · offsets ~60% of a typical home's use
Otsego Township Public Utilities
Township water/sewer department in developed areas; rural parcels on private wells.
Township curbside / bulk trash program
Township offers bulk trash and curbside service options.
Township curbside recycling / depot
Curbside recycling and recycling depot services offered.
Consumers Energy Co|Great Lakes Energy Coop · ~14.3¢/kWh
Standard provider.
Confirm by addressConsumers Energy / SEMCO Energy
Natural gas; SEMCO serves parts of this area.
Confirm by addressSource: otsegotownship.org
Utility, solar, and service details for Otsego 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
$71K
Home Value (Census)
$241K
Flood Risk
None
Not in flood zone
Nearest Park
North Side Park
0.6 mi
Parks Nearby
5
within 1 mile
🛒 Grocery(4)
+1 more within 5 miles
🍕 Restaurants(6)
Casa Real
Restaurant
Judy's Restarant
Restaurant
Mannie's Pizza
Restaurant
Maude's Taphouse
Restaurant
M89 Bar and Grill
Restaurant
+1 more within 5 miles
☕ Coffee(5)
+2 more within 5 miles
🏫 Schools(16)
School
School
Saint Margaret School
+11 more within 5 miles
💪 Gyms(1)
River Bend Yoga
Fitness Center
🌳 Parks(5)
+2 more within 5 miles
🐕 Dog Parks(1)
Dog Park in Corporation Plat Area
Dog Park
🚴 Trails(6)
Bike Path
Bike Path
Unnamed bike_path
Bike Path
Cycleway from Brookside Dr to S US 131
Bike Path
+3 more within 5 miles
👶 Childcare(1)
Plainwell Corners Preschool
Daycare
🏥 Hospitals(1)
Hospital
📚 Libraries(2)
Otsego District Public Library
Frequently asked about Otsego
- What do homes cost in Otsego?
- The median home value in Otsego is about $336,950. Individual prices vary by street, size, and condition.
- How active is the Otsego housing market?
- there are 24 homes for sale in Otsego right now, and 54 homes sold here in the last 12 months. Listings refresh throughout the day from the MichRIC MLS.
- What schools serve Otsego?
- Otsego is served by Otsego Public Schools. Its highest-rated assigned school is Otsego High School (9/10).
- Is Otsego walkable?
- Otsego scores 1.7/10 for walkability — a measure of walking, biking, and driving access to groceries, dining, parks, schools, and transit.