Rose Lake
Solid value in a growing area
Median $295K
People expect a subdivision to feel like sprawl. What they find here is shoreline—370 acres of all-sports water, sandy beaches, and homes built for the view. The neighborhood clusters around Rose Lake itself, where newer cottages and remodeled homes sit shoulder to shoulder with older vacation places, all of them angled toward the water. Lot sizes vary wildly: some properties squeeze in with deeded access only, while others command 150 feet or more of frontage, the kind of depth that actually gives you space to breathe. Garages built oversized suggest a region that knows boats and seasonal toys. This is a place where the lake isn't scenery you drive past—it's the whole reason you're here.
Why people love it here
$295K median
- 1 recent sale
Mortgage Calculator
Median home price in Rose Lake
Estimated Monthly Payment
$2,003/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
Crime in Rose Lake is reported at the city level, not the neighborhood level. The FBI doesn't publish reliable crime rates for individual neighborhoods, and within any community crime varies street to street. For an accurate, comparable picture, see the jurisdiction-wide figures for Osceola County.
Osceola County crime & safety stats →To buy a median-priced Rose Lake home (around $295,000) at today's 6.43% 30-year fixed rate with 20% down, you'd need roughly $52k/year in household income to qualify — an estimated monthly payment of $1,953 (principal, interest, property tax est., and insurance).
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $1,953/mo | $52,076 |
| 10% (+PMI) | $2,249/mo | $59,962 |
| 5% (+PMI) | $2,347/mo | $62,594 |
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, plus estimated insurance and PMI below 20% down. Not an APR or a commitment to lend — your actual rate and payment will vary.
Frequently asked about Rose Lake
- What do homes cost in Rose Lake?
- The median home value in Rose Lake is about $295,000. Individual prices vary by street, size, and condition.
- How active is the Rose Lake housing market?
- there is 1 home for sale in Rose Lake right now, and 1 home sold here in the last 12 months. Listings refresh throughout the day from the MichRIC MLS.
- What schools serve Rose Lake?
- Rose Lake is served by Pine River Area Schools.
Top contributors in Rose Lake
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