S 154th Ave & E Garfield Rd Area
Solid value in a growing area
Median $320K·Walkability 2.3/10·Schools 5.7/10
What strikes people first out here is how much land breathes between houses—nearly 500 acres of it—where you can actually see sky and trees without squinting. The unnamed park is just a two-minute walk away, and Lake Michigan sits about a mile south, close enough to feel its presence on humid afternoons. It's the kind of stretch where a drive downtown takes the better part of an hour and a half, which means this isn't a place you slip into by accident; you come here because you mean to, because space and distance feel like features, not bugs. Roads roll through gentle terrain, and the rhythm of the area is set by what's physically here—acreage, water access, room to move—rather than by what's nearby somewhere else.
Why people love it here
$320K median
- Based on 3yr sales
Conventional Mortgage Calculator
Median home price in S 154th Ave & E Garfield Rd Area
Estimated Monthly Payment
$2,172/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.
Based on 3 rated schools nearby
Range: 4/10 to 7/10
School District: Shelby Public Schools
Walkability
Limited
Overall walkability score out of 10
Based on actual walk/bike/drive times to nearby amenities via Mapbox
Park on E Weaver Ave
Playground on Federal Forest Road 9304
Gillon Lake
South 158th Avenue
Hesperia Community Library
Crime in S 154th Ave & E Garfield Rd Area 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 Oceana County.
Oceana County crime & safety stats →To buy a median-priced S 154th Ave & E Garfield Rd Area home (around $320,000) at today's 6.49% 30-year fixed rate with 20% down, you'd need roughly $57k/year in household income to qualify — an estimated monthly payment of $2,128 (principal, interest, property tax est., and insurance).
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $2,128/mo | $56,758 |
| 10% (+PMI) | $2,450/mo | $65,346 |
| 5% (+PMI) | $2,558/mo | $68,217 |
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, plus estimated insurance and PMI below 20% down. Not a commitment to lend, and not an APR — your actual rate and payment will vary.
Solar potential
~$911/yr in electricity from a typical rooftop solar system
Produces ~6,379 kWh/yr · offsets ~61% of a typical home's use
Utility, solar, and service details for S 154th Ave & E Garfield Rd Area 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.
Flood Risk
None
Not in flood zone
Nearest Park
Unnamed park
0.6 mi
Parks Nearby
5
within 1 mile
Frequently asked about S 154th Ave & E Garfield Rd Area
- What do homes cost in S 154th Ave & E Garfield Rd Area?
- The median home value in S 154th Ave & E Garfield Rd Area is about $320,000. Individual prices vary by street, size, and condition.
- What schools serve S 154th Ave & E Garfield Rd Area?
- S 154th Ave & E Garfield Rd Area is served by Shelby Public Schools. Its highest-rated assigned school is Shelby Middle School (7/10).
- Is S 154th Ave & E Garfield Rd Area walkable?
- S 154th Ave & E Garfield Rd Area scores 2.3/10 for walkability — a measure of walking, biking, and driving access to groceries, dining, parks, schools, and transit.
Top contributors in S 154th Ave & E Garfield Rd Area
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