The story of this market
The typical home in Ottawa County, Michigan sells for about $406,500, or $233 per square foot.
Prices are up +4.9% from a year ago, so sellers still have some momentum. Homes take about 54 days to sell. Over the long run, values in this county have grown 155% since 2000. Last year 52 of 62 neighborhoods saw prices rise, so the story isn't the same street to street. The biggest natural hazard here is strong wind, which FEMA rates relatively high. HUD's fair market rent for a two-bedroom is $1,546 a month.
HUD sets the fair market rent for a 2-bedroom at $1,546 a month. FEMA's National Risk Index rates overall hazard risk here as Very Low.
Price climate
Every year of price change, 2000–2025
+4.7%
2025
Each stripe is one year's median price change across the area's census tracts (FHFA repeat-sales index). Deep blue is a strong gain year, red a falling year. Best: 2022 (+16.3%). Worst: 2009 (-5%). Hover to read a year.
Monthly price momentum
Home values since 2015
+4.5%
MI · past 12 months
Freddie Mac House Price Index, single-family homes, monthly through 2026-08. Each line starts at 100 in January 2015, so a reading of 180 means prices are up 80% since then.
Rent benchmark
Fair market rent by size
$1,947
3-bed / month
HUD Fair Market Rents, fiscal 2027, for this county. A typical rent for a modest unit, used to set housing-voucher payments.
Neighborhood price trend
Long-run price trend, 2000–2025
+4.7%
2025 change
FHFA repeat-sales index, median of 62 census tracts in this county (2000 = 100). Bars are each year's median change.
Natural hazard exposure
The area's risk shape
21
Very Low
FEMA National Risk Index. Each spoke is a hazard ranked nationally, where 100 is the most exposed. Expected annual loss: $68,244,303.
Mortgage activity
Home lending in this county
82.9%
2018 approval rate
| Year | Applications | Loans made | Approval | Investor share | Median home value |
|---|---|---|---|---|---|
| 2018 | 15584 | 9724 | 82.9% | 1.9% | $245,000 |
CFPB Home Mortgage Disclosure Act records: every mortgage application reported by lenders for homes in this county. Approval rate is approved ÷ decided (withdrawn and incomplete files excluded). Investor share and home value are the median census tract.
Ottawa County, Michigan
The Ottawa County housing market is currently in a balanced-to-seller-favorable state, characterized by low inventory and steady price appreciation. While demand remains strong, the pace of the market varies significantly by city, with buyers needing to act quickly in competitive areas like Hudsonville.
No ARED distress-ledger coverage for this county yet — the foreclosure ingest rotates the national county directory, and filings appear here once the county's posted notices are read. Key-figure check: median price corroborated by the prior refresh cycle (within 12.5%).
Select a city to expand its ZIP intel reports beneath · 10 cities · 14 ZIP reports
Median prices moved up 2.5% year over year.
Homes spend a median of 19 days on market with 0.0 months of supply — a fast-moving market.
0% of listings have cut prices · homes sell at 0.25% of asking — demand is holding steady.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 3.5% · poverty 7.0% — a stable, low-distress profile.
Deterministic aggregate of 12 researched ZIP reports of 14 — sales_count-weighted (population fallback); per point, children lacking the value or its weight are excluded. Tax rates, sentiment and context notes are tier-native and never roll.
Ottawa County, Michigan — researched county-level history with a deterministic 1 / 3 / 5-year projection
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 9.2%/yr trend — a deterministic estimate, not a published forecast or guarantee.
No researched properties in this county yet — the property base layer populates as property research runs, and each property feeds its ZIP's roll-up.
researched Sep 30
researched Sep 30
researched Sep 30
researched Oct 1
researched Sep 30
researched Sep 18
researched Sep 19
researched Sep 20
researched Sep 30
researched Sep 18
| 49401 | Allendale | $429,900 | $215 | +3.5% | 45 | 98.5% | 12% | 3.2 | 112 | $1,114 | researched Sep 30 |
| 49404 | Coopersville | $320,000 | $148 | +4.2% | 35 | 98.5% | 15% | 3.2 | 35 | $975 | researched Sep 30 |
| 49409 | Ferrysburg | $325,000 | $117 | — | 44 | 97% | — | 1 | 2 | $1,546 | researched Sep 30 |
| 49417 | Grand Haven | $389,000 | $205 | -11% | 35 | 98.5% | 18% | 3.2 | 145 | $1,111 | researched Oct 1 |
| 49418 | Wyoming | $377,000 | $205 | +6.1% | 10 | — | — | — | 33 | $1,261 | researched Sep 30 |
| 49423 | Holland | $315,000 | $219 | -2.3% | 18 | — | — | — | 99 | $1,197 | researched Sep 18 |
| 49424 | Holland | $382,087 | $254 | +4.2% | 13 | — | — | — | 353 | $1,219 | researched Sep 19 |
| 49426 | Hudsonville | $436,000 | $215 | +6.3% | 28 | 98.5% | 18% | 3.2 | 154 | $1,344 | researched Sep 20 |
| 49428 | Jenison | $355,000 | $200 | +0.3% | 10 | 100% | — | 2.1 | 92 | $1,729 | researched Sep 30 |
| 49435 | Marne | $373,837 | $183 | 0% | 125 | — | — | — | 282 | $1,084 | researched Sep 18 |
Figures are each ZIP report's own latest research — the county roll-up aggregates them sales_count-weighted (population fallback); ZIPs cycle quarterly.
Ottawa County is consistently ranked among the healthiest and safest counties in Michigan, with crime rates generally lower than the state average.
The county is served by several highly-rated public school districts, including Holland Public Schools and Grand Haven Area Public Schools, which are noted for strong academic performance.
The county faces standard Midwestern climate risks, including seasonal wind events and localized flooding near the Lake Michigan shoreline and river basins.
Ottawa County is an agricultural powerhouse and one of the fastest-growing counties in Michigan, supported by a diverse economy and proximity to the Grand Rapids metropolitan area.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (Michigan) — Disabled Veterans Homestead Exemption: Provides an exemption from property taxes levied for school operating purposes and potentially other local taxes depending on eligibility. State (Michigan) — General Property Tax Act: Property is assessed at 50% of true cash value (State Equalized Value). Taxable value is capped at the lesser of the state equalized value or the previous year's taxable value adjusted by the consumer price index (up to 5%), unless a transfer of ownership occurs.
The economy is anchored by a robust agricultural sector and a growing manufacturing and service base, benefiting from its inclusion in the Grand Rapids-Kentwood metropolitan area.
The county is served by a network of state highways and is integrated into the broader West Michigan transportation infrastructure, providing access to regional employment hubs.
The county assessment regime follows standard Michigan property tax laws, with assessments based on 50% of the true cash value.
The county includes various school districts and local utility authorities that manage infrastructure and public services across municipal boundaries.
Property insurance markets remain stable, though coastal properties near Lake Michigan may face higher premiums due to wind and water exposure.
- Michigan's Adventure4.228.5 mi
- Craig's Cruisers - Grand Rapids4.421.9 mi
- Nelis' Dutch Village4.49.8 mi
- Dave & Buster's Kentwood4.126.3 mi
- Sky Zone Grand Rapids4.226.3 mi
- Frederik Meijer Gardens & Sculpture Park4.825.7 mi
- Van Andel Arena4.521.4 mi
- DeVos Place4.521.3 mi
- Grand Rapids Downtown Market4.621.4 mi
- Founders Brewing Co4.321.2 mi
- John Ball Zoo4.619.8 mi
- Windmill Island Gardens4.510.7 mi
- Holland State Park - Macatawa Campground4.713.1 mi
- Millennium Park4.717.4 mi
- Saugatuck Dunes State Park4.818.4 mi
- Frederik Meijer Gardens & Sculpture Park4.825.7 mi
- Windmill Island Gardens4.510.7 mi
- Grand Rapids Public Museum4.721.1 mi
- Grand Rapids Children's Museum4.621.6 mi
- Veldheer Tulip Gardens4.37.7 mi
- Windmill Island Gardens4.510.7 mi
- Holland State Park - Macatawa Campground4.713.1 mi
- Millennium Park4.717.4 mi
- Saugatuck Dunes State Park4.818.4 mi
- P. J. Hoffmaster State Park4.815.2 mi
- Macatawa Bay Yacht Club4.713.7 mi
- Adelaide Pointe Marina4.221.3 mi
- Eldean Shipyard4.113.8 mi
- Safe Harbor Grand Isle4.510.3 mi
- Yacht Basin Marina4.612.3 mi
- American Dunes Golf Club4.86.7 mi
- Mines Golf Club4.319.1 mi
- Pigeon Creek Golf Course4.60.3 mi
- Ravines Golf Club4.619.3 mi
- The Meadows at Grand Valley State University4.69.8 mi
- RiverTown Crossings4.417.8 mi
- Meijer4.211.9 mi
- Meijer4.216 mi
- Meijer4.218.2 mi
- Meijer4.215.5 mi
- Gerald R. Ford International Airport4.629.2 mi
- Blodgett Memorial Medical Center Heliport4.623.8 mi
- Muskegon County Airport (MKG)4.716.3 mi
- Gerald R. Ford International Airport Viewing Park4.729.2 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area ranked by popularity within the radius shown.
The amenity base that shapes daily life and property demand in this county — what residents actually live with, and what the pipeline is adding.
A popular destination on Lake Michigan featuring a historic lighthouse and extensive sandy beaches.
Known for its iconic Big Red lighthouse and access to both Lake Michigan and Lake Macatawa.
A historic site in Holland featuring an authentic Dutch windmill and seasonal tulip displays.
Data retrieved from data.census.gov
applies when — Real property owned and used as a homestead by a disabled veteran or their surviving spouse.
Provides an exemption from property taxes levied for school operating purposes and potentially other local taxes depending on eligibility.
MCL 211.7b
applies when — Transfer of interest in real estate consisting of not less than 1 or more than 4 residential dwelling units.
Sellers must provide a written disclosure statement to prospective buyers regarding the condition of the property, including known defects.
Seller Disclosure Act, Act 92 of 1993
applies when — Delinquency in real property tax payments.
A three-year forfeiture and foreclosure process. Property is forfeited to the county treasurer after two years of delinquency. If taxes remain unpaid by March 31 of the third year, the property is foreclosed upon by the Foreclosing Governmental Unit.
General Property Tax Act, Public Act 206 of 1893; MCL 211.78k
Property is assessed at 50% of true cash value (State Equalized Value). Taxable value is capped at the lesser of the state equalized value or the previous year's taxable value adjusted by the consumer price index (up to 5%), unless a transfer of ownership occurs. The tax is calculated by multiplying the taxable value by the local millage rate.
General Property Tax Act, Public Act 206 of 1893
Governance registry — every jurisdiction re-researches on a rolling 90-day cycle. Property reports compose these inherited burdens into a per-parcel ledger with conditional determinations. Informational only — not legal advice.