Rose Lake
Solid value in a growing area
5 homes for sale·Median $228K
So you've got this stretch out here in West Central Michigan where the lake lifestyle actually feels real—not some Instagram fantasy. The whole area centers on a 370-acre all-sports lake that draws people back year after year, and it shows in how the homes sit: elevated to catch the water views, set back on wooded lots and acreage that give you actual breathing room. You'll find everything from modern lakefront ranches with sandy frontage to sprawling rural properties with barns, ponds, and 20+ acres of woods and fields—the kind of place where a detached garage and pole building aren't luxury upgrades, they're just how people live out here. The character runs rural and genuine; there's an adjacent park for trails, and Lake Michigan itself is right there at the edge, which doesn't hurt. Restaurants and amenities are steps away when you want them, but honestly, most of the draw is the land itself—whether you're talking about a three-season room overlooking a private pond or a corner lot with woods you can actually explore. It reads as the kind of area where people either stay year-round or come back as often as they can, and you see that in how well the homes are maintained and what locals choose to build here.
Why people love it here
$68K median household income
- $228K median · 14 sales in last 12mo
Explore Rose Lake
Same name, different focus — Rose Lake is also covered as:
- Rose Lake Subdivision — the subdivision and its homes
Mortgage Calculator
Median home price in Rose Lake
Estimated Monthly Payment
$1,544/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
14 homes sold in Rose Lake this year. Thinking of selling?
See what your home is worthMost of Rose Lake is policed by the Osceola County Sheriff's Office. Across that jurisdiction in 2024, the most common reported offenses were larceny / theft (365 per 100,000 residents) and burglary (170 per 100,000 residents), per FBI Uniform Crime Reporting.
No homicides were reported in 2024.
| Offense type | Per 100k residents |
|---|---|
| Larceny / theft | 365 |
| Burglary | 170 |
| Aggravated assault | 123 |
| Rape | 77 |
| Motor-vehicle theft | 77 |
| Arson | 10 |
| Homicide | 0 |
| Robbery | 0 |
Reported offenses per 100,000 residents, Osceola County Sheriff's Office, FBI Uniform Crime Reporting (2024). Figures cover the Osceola County Sheriff's Office's full jurisdiction (the county's unincorporated areas), not Rose Lake alone. Crime is reported at the jurisdiction level and varies block to block within any community.
To buy a median-priced Rose Lake home (around $227,500) at today's 6.43% 30-year fixed rate with 20% down, you'd need roughly $36k/year in household income to qualify — an estimated monthly payment of $1,359 (principal, interest, property tax, and insurance).
The typical Rose Lake household earns $68,068 — above what the median home requires. At that income, a buyer can afford roughly $450,000 with 20% down.
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $1,359/mo | $36,234 |
| 10% (+PMI) | $1,587/mo | $42,316 |
| 5% (+PMI) | $1,663/mo | $44,346 |
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
2 parcels
Active / pending
Typical Land Value
$9K/acre
Median asking
Median Price
$144K
Per listing
Who actually lends in Rose Lake, and how homes here are financed — from 2024 federal mortgage records.
Loans to buy a home
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.
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.
Private well
Rural township
Septic - individual
Individual septic systems
Private hauler (resident-arranged)
Resident-arranged hauler
Consumers Energy / propane
Natural gas where available; otherwise propane
Confirm by addressLeRoy-Rose Lake Fire Department
Serves Le Roy + Rose Lake
Source: cms4files.revize.com
Utility, solar, and service details for Rose Lake 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
$68K
Home Value (Census)
$165K
Flood Risk
None
Not in flood zone
Nearest Park
Rose Lake Forest Beach Access
2.1 mi
Parks Nearby
0
within 1 mile
🍕 Restaurants(2)
Travler Bar
Restaurant
Restaurant
🌳 Parks(6)
+3 more within 5 miles
🚴 Trails(1)
White Pine Trail
Bike Path
Frequently asked about Rose Lake
- What do homes cost in Rose Lake?
- The median home value in Rose Lake is about $227,500. Individual prices vary by street, size, and condition.
- How active is the Rose Lake housing market?
- there are 5 homes for sale in Rose Lake right now, and 14 homes 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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