Oceana
Solid value in a growing area
The quick answer
Oceana is a neighborhood, part of Shelby Public Schools. Homes here typically sell for around $256,000.
Median $256K·Walkability 2.2/10·Schools 5.7/10
The air carries the soft smell of soil and evergreens as you turn onto this stretch—wide-open land punctuated by mature trees and homes set back on acreage that gives real breathing room. Properties here sprawl across four to thirty-five acres, with mature plantings framing houses in various states of thoughtful upkeep, and Shelby Township Community Park sitting just across the road. Lake Michigan is less than a mile away, close enough that the dunes and beaches shape how people think about weekends out here.
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Why people love it here
$256K median
- 1 recent sale
Conventional Mortgage Calculator
Median home price in Oceana
Estimated Monthly Payment
$1,738/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
Hansen Foods
The Pizza Factory
Shelby Township Community Park
+1 more
Playground on Lamos Rd
Crystal Lake
+1 more
Oak Trail
Hart-Montague Bicycle Trail
Shelby Public Library
Crime in Oceana 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 Oceana home (around $256,000) at today's 6.71% 30-year fixed rate with 20% down, you'd need roughly $46k/year in household income to qualify — an estimated monthly payment of $1,732 (principal, interest, property tax est., and insurance).
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $1,732/mo | $46,200 |
| 10% (+PMI) | $1,994/mo | $53,169 |
| 5% (+PMI) | $2,082/mo | $55,516 |
Estimates use a 6.71% 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
~$909/yr in electricity from a typical rooftop solar system
Produces ~6,361 kWh/yr · offsets ~61% of a typical home's use
Utility, solar, and service details for Oceana 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
Shelby Township Community Park
0.4 mi
Parks Nearby
10
within 1 mile
🛒 Grocery(1)
Hansen Foods
Grocery Store
🍕 Restaurants(5)
The Pizza Factory
Restaurant
Restaurant
Fast Food
Frosty's Oasis
Restaurant
☕ Coffee(1)
Lewis Coffee Company
Café
🏫 Schools(12)
Shelby Middle School
School
Thomas Read Elementary School
School
Crystal School
Woodland School
Van Wickle School
+7 more within 5 miles
🚴 Trails(8)
Hart-Montague Bicycle Trail
Bike Path
Hart-Montague Bicycle Trail
Bike Path
Hart-Montague Bicycle Trail
Bike Path
+5 more within 5 miles
🏥 Hospitals(1)
Hospital
Atlas — Grand Rapids Real Estate
Local real estate specialists
Questions about Oceana? Our team can help with availability, schools, and what it's really like to live here.
Living in Oceana: the details
Is Oceana a good place to live?
Here is a data-based look at what living in Oceana is like. Day to day, it is mostly a drive-first area, so you will use a car for groceries, dining and errands. This neighborhood is part of Shelby Public Schools. Expect prices centered around $256,000.
What does it cost to live in Oceana?
The median home value in Oceana is about $256,000. 1 home sold here in the past year.
Frequently asked about Oceana
- What do homes cost in Oceana?
- The median home value in Oceana is about $256,000. Individual prices vary by street, size, and condition.
- How active is the Oceana housing market?
- no homes are listed in Oceana right now, and 1 home sold here in the last 12 months. Listings refresh throughout the day from the MichRIC MLS.
- What schools serve Oceana?
- Oceana is served by Shelby Public Schools. Its highest-rated assigned school is Shelby Middle School (7/10).
- Is Oceana walkable?
- Oceana scores 2.2/10 for walkability — a measure of walking, biking, and driving access to groceries, dining, parks, schools, and transit.
Top contributors in Oceana
Detailed statistics are being computed for this location. Demographics, home values, schools, flood risk, and more will appear here automatically.