Pentwater
Solid value in a growing area
17 homes for sale·Median $424K·Schools 6.0/10
Out here, you're within sight of Lake Michigan—the real thing, not some inland water body you have to drive to. A couple of listings mention you can see it from the yard, and others talk about 120 feet of private beach access or just a couple blocks to the shoreline, depending on where you land in the area. That waterfront proximity shapes everything: new construction goes up with deeded lake access, older cottages sit in the woods but stay close enough that a short bike ride gets you downtown and to the marina. The woods matter too—Apache Hills has that subdivision character with wooded lots and private amenities, while other pockets feel more like classic cottage country, all natural gas fireplaces and forest backdrop. Groceries and restaurants are a short drive (3.3 and 2.6 miles respectively), which means you're not isolated but you're definitely not walking to dinner—this is the kind of place where you drive the quiet roads and then settle into a home with serious outdoor space, multiple decks, finished basements, and the kind of updated kitchens and baths that suggest people aren't roughing it anymore. New builds sit on acreage, often two-lot setups, while older homes trade square footage for charm and that genuine seclusion a private road can offer.
Why people love it here
$81K median household income
- $424K median · 32 sales in last 12mo
Park-rich area
- 24 parks within 1 mile
Explore Pentwater
Same name, different focus — Pentwater is also covered as:
- Pentwater Village — village details
Mortgage Calculator
Median home price in Pentwater
Estimated Monthly Payment
$2,875/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
32 homes sold in Pentwater this year. Thinking of selling?
See what your home is worthFlood Risk
None
Not in flood zone
Nearest Park
Unnamed park
0.6 mi
Parks Nearby
24
within 1 mile
Based on 1 rated school nearby
School District: Pentwater Public School District
Most of Pentwater is policed by the Oceana County Sheriff's Office. Across that jurisdiction in 2024, the most common reported offenses 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). Figures cover the Oceana County Sheriff's Office's full jurisdiction (the county's unincorporated areas), not Pentwater alone. Crime is reported at the jurisdiction level and varies block to block within any community.
To buy a median-priced Pentwater home (around $423,500) at today's 6.43% 30-year fixed rate with 20% down, you'd need roughly $70k/year in household income to qualify — an estimated monthly payment of $2,606 (principal, interest, property tax, and insurance).
The typical Pentwater household earns $80,777 — above what the median home requires. At that income, a buyer can afford roughly $502,000 with 20% down.
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $2,606/mo | $69,500 |
| 10% (+PMI) | $3,031/mo | $80,822 |
| 5% (+PMI) | $3,173/mo | $84,600 |
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
20 parcels
Active / pending
Typical Land Value
$29K/acre
Median asking
Median Price
$83K
Per listing
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.
Village of Pentwater (in village) / private well (township)
Village of Pentwater provides municipal water to most village residents; rural township on wells
Village of Pentwater (in village) / septic (township)
Village provides municipal sewer; rural township on individual septic
Pentwater Township Transfer Station & Recycling Center
Township operates a transfer station and recycling center
No piped natural gas (propane/LP)
Largely propane; limited piped gas
Confirm by addressSource: pentwatervillage.org
Utility, solar, and service details for Pentwater 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
$81K
Home Value (Census)
$355K
🍕 Restaurants(1)
Restaurant
🌳 Parks(5)
+2 more within 5 miles
🚴 Trails(6)
Pentwater Pathways Blue Loop
Bike Path
Pentwater Pathways Blue/Red
Bike Path
Pentwater Pathways Red Loop
Bike Path
+3 more within 5 miles
⚡ EV Charging(1)
Unnamed ev_charging
EV Charging
Frequently asked about Pentwater
- What do homes cost in Pentwater?
- The median home value in Pentwater is about $423,500. Individual prices vary by street, size, and condition.
- How active is the Pentwater housing market?
- there are 17 homes for sale in Pentwater right now, and 32 homes sold here in the last 12 months. Listings refresh throughout the day from the MichRIC MLS.
- What schools serve Pentwater?
- Pentwater is served by Pentwater Public School District. Its highest-rated assigned school is Pentwater Public School (6/10).
