Polkton
Solid value in a growing area
6 homes for sale·Median $490K·Walkability 3.0/10·Schools 6.3/10
When you roll into Polkton Charter Township, you feel the space first—39 square miles of rural land where the horizons actually open up. It's the kind of place where you're not crammed in, where a home on a decent plot runs around $449K, and where most people own what they're living on. The township was founded back in 1845 and named after President James K. Polk, and that sense of history sticks around in the brick buildings and the way things move at their own pace. You're still connected to the larger world—downtown Grand Rapids is about 25 minutes away, and Grand Haven's beaches are under 23 minutes if you need to escape—but the township itself keeps its rural character intact. There's a grocery store about two miles down the road, and honestly, you're steps away from a restaurant if you get hungry. The Coopersville Area Public School District serves the area, and the township has a long partnership with the Ottawa County Sheriff's Office, with deputies embedded in local schools and community events since 2001. The place isn't flashy or packed with chain development; it's modest, rooted, and growing slowly at less than half a percent annually. If you're looking for land, quiet, and the ability to actually see what you own, this is the kind of spot where that adds up.
Why people love it here
$103K median household income
- $490K median · 15 sales in last 12mo
Conventional Mortgage Calculator
Median home price in Polkton
Estimated Monthly Payment
$3,326/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.
15 homes sold in Polkton this year. Thinking of selling?
See what your home is worthBased on 4 rated schools nearby
Range: 5/10 to 7/10
School District: Coopersville Area Public School District
Walkability
Limited
Overall walkability score out of 10
Based on actual walk/bike/drive times to nearby amenities via Mapbox
Family Fare Supermarket
One Eyed Pete's
+1 more
BIGGBY COFFEE
Coopersville Brewing Company
+1 more
Veterans Park
+1 more
Unnamed playground
Hidden Lake
Green Path
Deer Creek Park Launch
Most of Polkton is policed by the Ottawa County Sheriff's Office. Across that jurisdiction in 2024, the most common reported offenses were larceny / theft (518 per 100,000 residents) and aggravated assault (146 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 | 518 |
| Aggravated assault | 146 |
| Burglary | 85 |
| Rape | 52 |
| Motor-vehicle theft | 46 |
| Robbery | 5 |
| Arson | 3 |
| Homicide | 1 |
Reported offenses per 100,000 residents, Ottawa County Sheriff's Office, FBI Uniform Crime Reporting (2024). Figures cover the Ottawa County Sheriff's Office's full jurisdiction (the county's unincorporated areas), not Polkton alone. Crime is reported at the jurisdiction level and varies block to block within any community.
To buy a median-priced Polkton home (around $489,900) at today's 6.49% 30-year fixed rate with 20% down, you'd need roughly $78k/year in household income to qualify — an estimated monthly payment of $2,924 (principal, interest, property tax, and insurance).
The typical Polkton household earns $102,500 — above what the median home requires. At that income, a buyer can afford roughly $660,000 with 20% down.
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $2,924/mo | $77,978 |
| 10% (+PMI) | $3,417/mo | $91,126 |
| 5% (+PMI) | $3,582/mo | $95,522 |
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
5 parcels
Active / pending
Typical Land Value
$93K/acre
Median asking
Median Price
$90K
Per listing
Who actually lends in Polkton, 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
Polkton Charter Township
Source: polktontownship.com · 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
~$917/yr in electricity from a typical rooftop solar system
Produces ~6,416 kWh/yr · offsets ~61% of a typical home's use
Private well
Largely rural township; individual wells.
Septic - individual
Rural township; individual septic.
Resident-arranged hauler
Residents contract private hauler.
Consumers Energy Co|Great Lakes Energy Coop · ~14.3¢/kWh
Regional IOU; inferred.
Confirm by addressConsumers Energy / SEMCO Energy
Regional gas utility; inferred.
Confirm by addressCoopersville/Polkton Fire Department (CPFD)
Joint dept via interlocal agreement between City of Coopersville and Polkton Township.
Source: polktontownship.com
Utility, solar, and service details for Polkton 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
$103K
Home Value (Census)
$338K
Flood Risk
None
Not in flood zone
Nearest Park
Unnamed park
2.0 mi
Parks Nearby
0
within 1 mile
🍕 Restaurants(10)
One Eyed Pete's
Restaurant
Fast Food
Dona Enedina Grill
Restaurant
Fast Food
New Beginnings Restaurant
Restaurant
+5 more within 5 miles
🍺 Bars(5)
+2 more within 5 miles
🏫 Schools(12)
Toothacre School
Marshall School
Rankins School
Saint Michael School
Red School
+7 more within 5 miles
🌳 Parks(6)
+3 more within 5 miles
🚴 Trails(7)
Bike Path
Bike Path
Unnamed bike_path
Bike Path
Spoonville Ferry Resort Sub No 1 Area Trail
Bike Path
+4 more within 5 miles
⛵ Boat Launches(2)
Boat Launch
Boat Launch
Frequently asked about Polkton
- What do homes cost in Polkton?
- The median home value in Polkton is about $489,900. Individual prices vary by street, size, and condition.
- How active is the Polkton housing market?
- there are 6 homes for sale in Polkton right now, and 15 homes sold here in the last 12 months. Listings refresh throughout the day from the MichRIC MLS.
- What schools serve Polkton?
- Polkton is served by Coopersville Area Public School District. Its highest-rated assigned school is Coopersville Middle School (7/10).
- Is Polkton walkable?
- Polkton scores 3.0/10 for walkability — a measure of walking, biking, and driving access to groceries, dining, parks, schools, and transit.
