The story of this market
The typical home in ZIP 49420 sells for about $299,000, or $115 per square foot.
Prices are up +11% from a year ago, so sellers still have some momentum. Homes take about 68 days to sell, which is slow. HUD's fair market rent for a two-bedroom is $843 a month.
ZIP 49420 — Hart
The Hart housing market shows steady appreciation and moderate demand, driven by its appeal as a rural and recreational destination. Inventory remains tight, supporting price growth, though sales volume is constrained by the limited supply of available homes. Market conditions are stable, reflecting a balance between local buyer interest and the seasonal nature of the regional economy.
This ZIP is well-suited for families and outdoor enthusiasts who value rural living, proximity to recreational dunes, and a slower pace of life.
Median prices moved up 11.0% year over year.
Homes spend a median of 68 days on market with 3.2 months of supply — a fast-moving market.
12% of listings have cut prices · homes sell at 97.5% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 4.8% · poverty 11.2% — a stable, low-distress profile.
Researched annual trajectory for this ZIP, from published historical series
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.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 6.8%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
net influx — more people moved in than out
ZCTA 49420, Oceana County MI
The area is served by Hart Public Schools, which generally maintains a rural district profile with moderate performance metrics.
The region is subject to standard Midwestern seasonal weather risks; flood and wildfire risks are generally low but localized near water bodies.
Economic momentum is driven by local agriculture, tourism related to the Silver Lake Sand Dunes, and small-scale residential development.
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.
Commuting is primarily car-dependent, with access to major regional employment centers via nearby expressway ramps.
The area features significant outdoor amenities including proximity to Silver Lake Sand Dunes, local parks, and ORV-friendly trails.
The rental market is characterized by limited inventory and steady demand, with a mix of long-term housing and seasonal vacation rentals.
The local economy is anchored by agricultural production, food processing, and seasonal tourism.
Transportation is dominated by private vehicle use, with limited public transit options available in this rural setting.
Development is primarily focused on low-density residential expansion and agricultural support facilities.
Oceana County utilizes a standard assessment process based on state-mandated property valuation guidelines.
Parcels are subject to local school district millages and county-wide service assessments.
Property insurance premiums are influenced by regional weather patterns and the rural nature of the housing stock.
Data retrieved from US Census Bureau ZCTA profile tables.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment. Source: NCES EDGE public school locations 2023-24.
Major regional attraction for ORV enthusiasts and outdoor recreation.
Local downtown area with historic architecture and community services.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.