Kalamazoo County, Michigan

Mortgage Broker in Comstock Township, MI

Buying in Comstock Township, from an older house near Comstock Center on King Highway to a newer house off Weathervane Trail or a home near Morrow Lake? Samantha compares your loan across multiple wholesale lenders and checks which school district taxes the parcel, whether it is on township water and sewer or a well and septic system, and what the fire assessment adds to the winter bill.

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Buying a home in Comstock Township

Comstock Township, a charter township in Kalamazoo County, is home to about 15,256 residents in the Census Bureau's 2020 to 2024 American Community Survey (15,231 in the 2020 census) across about 33 square miles of land. Its ZIP codes also reach into Kalamazoo, so the parcel record, not the mailing address, shows which unit's tax rates apply. Downtown Kalamazoo is about 6 miles west in a straight line.

By the numbers

Comstock Township housing and mortgage snapshot

Values move. Treat these as orientation and let us pull current figures for the address you are considering.

$242,000

Typical home value, from the market research on this page

+37%

Typical rise in taxable value the year after a home sells, 2026 Uncapping Study

2

Residential ZIP codes: 49048, 49053

What financing looks like in Comstock Township

Comstock Township has no ZIP code of its own, so ZIP figures are a range, not the township's own number. Zillow's home value index for September 2026 put 49048, the Kalamazoo mailing ZIP that carries about three in four township homes, near $198,500, about 3.7% above a year earlier, and 49053, the Galesburg ZIP for the east end, near $290,700, up about 4.6%. Both mix in homes from neighboring units. The Census Bureau's 2020 to 2024 survey puts the township's own owner median near $241,500, from about $99,000 to $107,000 in the older blocks around Comstock Avenue to near $351,000 in the newer streets north and east of Campbell Lake. Nearly every purchase here sits inside the 2026 FHA limit for Kalamazoo County, $541,287, and the conforming limit of $832,750, so conventional, FHA and VA can each work, and the right one depends on your credit, your savings and how long you plan to stay.

Three local details shape the loan. Public water reaches the western half of the township and the areas around Campbell and Morrow lakes, and public sewer a smaller area, so homes outside those service areas use a private well, a septic system or both, which the appraiser and lender will ask about. The township's master plan notes that homes outside formal plats and site condominiums keep being built along county roads, and it lists new neighborhoods of 42 and 49 home sites, so a new build or a site condominium with its own bylaws is a real possibility here. And the fire department is funded through two special assessments on taxable value, 7.25 mills in 2025, so we build your escrow from the parcel's own summer and winter bills.

MSHDA's MI Home Loan has a price cap of $566,355 and income limits, and the MI 10K second loan adds up to $10,000 toward the down payment, repaid when you sell, refinance or pay off the first loan, or the home stops being your residence. With the township's owner median well under that cap, income is usually the deciding question, not price.

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A Kalamazoo mailing address does not make a house part of the City of Kalamazoo. The Comstock Township hall at 5858 King Highway uses one, about 48% of the homes in ZIP 49048 sit in the township, and a Comstock Public Schools homestead on the township side paid 45.23 mills in 2025, against 49.08 for the same district inside the city.

The market

The Comstock Township housing market

The Census Bureau's American Community Survey puts the median owner-occupied home value in Comstock Township near $241,500, across about 4,654 owner-occupied homes, with a median year built of 1978. The typical home value in Comstock Township is near $242,000. Homeowners pay a median of about $3,184 a year in property taxes, an effective rate of about 1.32% of the median value.

Mailing towns and the township

Comstock Township ZIP codes and who shares them

Both ZIP codes that carry Comstock Township mail also reach other units of government. These shares come from 2020 Census housing counts placed block by block.

49048: Kalamazoo mailing address

About 5,240 township homes, roughly three in four of the township's total. They are about 48% of the ZIP, shared with Kalamazoo Township (30%), the City of Kalamazoo (11%) and Pavilion Township (9%).

49053: Galesburg mailing address

About 1,570 township homes in the east end around Morrow and Campbell lakes, about 53% of the ZIP. The City of Galesburg holds about 29% and Charleston Township about 17%.

Comstock Northwest

The Census name for the built-up area around Gull Road between Sprinkle Road and 26th Street, about 2,550 homes, close to 37% of the township's housing.

Where Comstock began

Horace Comstock founded a village on the Kalamazoo River with a mill, store and post office. The township was organized in 1834 and became a charter township on March 5, 1979.

Bedding plants and beer

The township's own site points to its bedding plant growers, who supply bedding plants far beyond the township, and Bell's has brewed at its Krum Avenue plant here since 2003.

Where to look

Comstock Township neighborhoods

Comstock Center and King Highway

The old village core along King Highway (M-96) and River Street, on Proctor, Gleason, Imperial, Morrow, Grange and Copeland, home to the township hall and the Comstock Center downtown district the township is working to fill with new businesses. Census puts the block group's owner median near $119,500, typical home from 1955, about 219 owner homes. It sits in the western half of the township, where public water and sewer are concentrated. Comstock Public Schools.

Comstock Avenue, Market Street and Merrill Park

The blocks south of the Kalamazoo River on Comstock Avenue, Market, Celery, Francis, Abbey, Higgins, Blair and Larch, between Sprinkle Road and 26th Street, around Merrill Park, the township's downtown park. Mostly smaller houses from around 1955. Census puts the two block groups near $99,200 and $107,200, both with wide margins, about 450 owner homes in all. Comstock Public Schools, 49048 mailing addresses.

Neal Street Park, Lucerne and Collette

North of East Michigan Avenue near Sprinkle Road, on Lucerne, Collette, Susan, Lois, Patricia, Josephine and Verleen, around Neal Street Park and its four pickleball courts. Nearly every occupied home here is owner occupied, about 357 of 379. Census puts the owner median near $140,800, with a wide margin, typical home from 1958. Comstock Public Schools.

Saratoga, Grandessa and Comstock Village Lane

Between East Main Street and G Avenue on both sides of Sprinkle Road, on Saratoga, Savannah, Grandessa, Sunnycrest, Rockingham, Normandy and Fordham, inside the Census area called Comstock Northwest. Census puts the owner median near $205,600, typical home from 1972, with about 311 of 499 occupied homes owner occupied. Comstock Public Schools.

Gull Prairie, Lake Crest and Sandalwood

Off Gull Road (M-43) at Sprinkle Road, on Gull Prairie Drive, Lake Crest, Kettle Moraine, Ternwood and Sandalwood. Most of the homes here are rented, and Census counts about 72 owner homes in the two block groups, too few for a reliable value figure. The school line runs through here: most homes are in Comstock Public Schools, with the Gull Lake Community Schools side to the north and east.

Country Meadows and Red Hawk

North of Gull Road near 26th Street, on Country Meadows, Woodlea, Red Hawk, Foxdale, Starchief, Mustang and Prairie Hill, in Comstock Northwest. Every occupied home Census counted here is owner occupied, about 778, with an owner median near $282,400 and a typical home from 1986. Mostly Comstock Public Schools, with about 77 homes on the Gull Lake side.

Hunters Run, Lyons Lake and Sandy Cove

The streets between H Avenue and East Main from 26th toward 30th Street, where Hunters Run, Hunters Pond, Hunters Point and a dozen more Hunters streets wind past Lyons Lake, with Sandy Cove and Forest Harbor nearby. Census counts about 412 homes, all owner occupied, owner median near $275,000 with a wide margin, typical home from 1985. Comstock Public Schools.

Merry Brook, Cedarbrook and Willow Brook

A small group of brook named streets near 26th Street and K Avenue, just north of M-96: Merry Brook, Sprucebrook, Cedarbrook, Willow Brook, Winding Brook and Maple Brook. Census puts about 121 owner homes here, owner median near $272,800, typical home from 1966. Comstock Public Schools.

Gleneagle, Krum Avenue and the south side of Morrow Lake

Between I-94 and M-96 east of 28th Street, on the Gleneagle drives, Lyth Road, Shadowlane, Miah, Coach and Courtney, near Bell's Comstock brewery on Krum Avenue and the south shore of Morrow Lake, the Kalamazoo River's wide reach above Galesburg. About 632 homes, all owner occupied, owner median near $208,900, typical home from 1972. Mostly Galesburg-Augusta schools, with Comstock Public Schools on the west side.

Weathervane Trail, Campbell Lake and the northeast

The township's newest housing by Census median year, north of East Main and around Campbell Lake toward 35th Street, on Weathervane Trail, Fawn Meadow, Wild Coyote Trail, Compass Point, Hidden Shore, Waterwood and Landing Way. Census counts about 1,064 owner homes, owner median near $351,100, typical home from 1998. Three school districts meet here: about half Gull Lake, the rest Galesburg-Augusta and Comstock.

South of I-94: Kilgore Road and the farm roads

The open southern section below I-94, from Sprinkle Road east along Kilgore Road and the M, MN and N avenues to 35th Street, with Midlink Drive near Sprinkle Road. Homes are spread thin here, about 182 of them owner occupied, owner median near $235,600, typical home from 1961. Split between Comstock Public Schools and Galesburg-Augusta.

Castle Creek Ridge, next to Galesburg

The neighborhood on Castle Creek Circle, Canoe Circle and Whitewater Street at the township's east edge by the City of Galesburg, which the master plan names as recently built out. Only about 108 of the block group's 313 homes are in the township, so its Census value describes mostly Galesburg. Galesburg-Augusta schools, 49053 mailing addresses.

Schools and commute

Schools

Three school districts serve Comstock Township, and the line follows the parcel, not the ZIP code. Our point sample of the Census school district map, weighted by 2020 housing counts, puts about 68% of the township's homes in Comstock Public Schools, most of the western and central township. Gull Lake Community Schools takes about 18%, along the north edge from Gull Road to Campbell Lake, and Galesburg-Augusta Community Schools about 15%, the east end near Morrow Lake and Galesburg, which is more than a third of the township's land. Michigan Treasury's 2025 millage table taxes a homestead at 45.23 mills in the Comstock part, 45.03 in the Gull Lake part and 44.24 in the Galesburg-Augusta part, the township's fire assessments included. Comstock's school taxes come on the summer bill, the other two districts' on the winter bill. The township assessor at 269-381-2360, extension 118, can confirm the district for a parcel.

Commute

King Highway and East Michigan Avenue (M-96) run through Comstock Center, Gull Road (M-43) crosses the north side and I-94 crosses the south. From the township hall at 5858 King Highway, I-94 at Sprinkle Road is about 2.9 miles away (6 minutes), Bell's Comstock brewery on Krum Avenue about 3.4 (7), Bronson Methodist Hospital in downtown Kalamazoo about 3.7 (7), Galesburg about 5 (8), Kalamazoo/Battle Creek International Airport about 6 (12), Western Michigan University about 7 (14) and Pfizer's Portage Road plant about 8 (15). Battle Creek is about 23 miles east (30 minutes) and downtown Grand Rapids about 54 miles north, a little over an hour. The master plan names Landscape Forms among the township's employers, and the township's greenhouse growers are another local industry. Census puts the average commute from here near 22 minutes, with about one worker in seven working from home.

Before you write an offer

Things to settle on a Comstock Township house

Check the parcel record, since a Kalamazoo or Galesburg mailing address can belong to another unit.
Find the school district on the tax bill, and note whether school taxes land on the summer or winter bill.
Ask for the last summer and winter bills and look for the fire operating and fire capital lines.
Find out whether the home has public water, public sewer, a well, a septic system or a mix, and order the right inspections.
Check FEMA's flood map for the address.
For a site condominium or a newer neighborhood, ask for the bylaws and any association dues early.
Planning a second unit or an addition? Read the township's accessory dwelling rules and permit packet first.
After closing, file your homestead exemption and get a transfer station ID card at the township office.

Michigan property taxes

Comstock Township property taxes after you buy

The year after a Michigan home sells, its taxable value resets to half of the assessor's market value, so the seller's tax bill is not your tax bill.

In Comstock Township, our 2026 Uncapping Study found taxable value typically rises about 37% the year after a sale. On a $250,000 home, near the typical Comstock Township value, the first-year tax goes up roughly $1,490 to $1,520, depending on the school district. Most homes here are in Comstock schools (about $1,520); Galesburg-Augusta schools homes run about $1,490 and Gull Lake schools homes about $1,520. Your address decides which applies. We build your payment on that post-sale number.

Looking at a Comstock Township address? Our Michigan property tax calculator finds that property's published 2025 millage and works out the tax to plan for after you buy.

How Michigan taxable value works

In Samantha's words

I'd much rather somebody ask me, "Why are your taxes higher than what I'm seeing online?" than have them build a housing budget around the wrong assumption.

Compare the rates

Comstock Township millage by school district

Michigan Treasury's 2025 homestead totals, fire special assessments included, with neighbors for comparison. Each mill is $100 a year for every $100,000 of taxable value.

Comstock part: 45.23 mills

About two township homes in three. A rental or second home here pays 63.07 mills. School taxes arrive on the summer bill.

Gull Lake part: 45.03 mills

About one home in six, along the north edge. The non-homestead rate is 63.03 mills, with school taxes on the winter bill.

Galesburg-Augusta part: 44.24 mills

About one home in seven, in the east end. A rental or second home pays 62.15 mills, school taxes on the winter bill.

Across the line

The same Comstock Public Schools homestead paid 49.08 mills inside the City of Kalamazoo and 52.30 in Kalamazoo Township. The City of Galesburg's total was 44.69.

Fire assessments: 7.25 mills

5 mills for operating the fire department and 2.25 for its equipment and buildings, both special assessments, about $725 a year per $100,000 of taxable value.

How Samantha plans it

Half the price times the parcel's own rate. A $250,000 house in the Comstock part plans near $5,650 a year. The first bill can come in lower.

Local resources

Check Comstock Township records yourself

The official offices behind the tax and school details on this page.

Comstock Township Assessor, for parcel records and current taxable value
Comstock Public Schools, for district boundaries and enrollment
Gull Lake Community Schools, for district boundaries and enrollment
Galesburg-Augusta Community Schools, for district boundaries and enrollment
Kalamazoo County Equalization, for county property tax records

What our clients say

5.0 on Google across 128 reviews

Individual experiences. Results vary.

Comstock Township mortgage questions

If yours is not here, ask it on the call. There are no dumb questions.

Is a Kalamazoo or Galesburg address in Comstock Township?

Often, but the address alone will not tell you. About 48% of the homes in ZIP 49048 are in the township, with the rest in Kalamazoo Township, the City of Kalamazoo, Pavilion and Richland. In 49053 about 53% are in the township and most of the rest in the City of Galesburg and Charleston Township. The parcel record settles it, and the assessor at 269-381-2360, extension 118, can confirm one.

Which school district taxes a Comstock Township home?

About two homes in three are in Comstock Public Schools, about one in six in Gull Lake Community Schools along the north edge and about one in seven in Galesburg-Augusta in the east. The 2025 homestead totals were 45.23, 45.03 and 44.24 mills, close enough that the district matters more for which bill carries the school taxes than for the total. Check the district on the tax bill before you count on it.

Why are school taxes on the summer bill for some homes and the winter bill for others?

The township’s own tax sheets show Comstock Public Schools collecting on the summer bill, due July 1 and payable through September 14, while Galesburg-Augusta and Gull Lake collect on the winter bill, due December 1 and payable through February 28. Two houses with similar totals can split their tax differently across the year, which changes how your escrow is funded at closing.

What is the fire special assessment on the tax bill?

The township funds its fire department, three stations, through two special assessments under Public Act 33 of 1951. For 2026 the board noticed 5 mills for operations and 2.25 mills for equipment and buildings, about $725 a year for every $100,000 of taxable value, along with township levies for general operations, the library, senior services, roads and Sheriff road patrol. They are part of the rate on every parcel.

Is a Comstock Township home on public water and sewer?

It depends where. The master plan says City of Kalamazoo water serves the western half of the township, the area north and east of Campbell Lake and the land around Morrow Lake toward Galesburg, with homes near East Michigan Avenue and 35th Street on Galesburg’s system. The township owns the pipes and the city maintains them. Sewer covers a smaller area, so many homes farther out use a well, a septic system or both. Ask the seller for recent utility bills to see which applies.

Do I need flood insurance for a Comstock Township home?

It depends on the address. Check FEMA’s flood map for the property you are buying. If the home sits in a high-risk zone, the lender requires flood insurance, and we add the premium to your payment before you write an offer.

What do homes in Comstock Township sell for?

Census owners’ own estimates, pooled over 2020 to 2024, put the median near $241,500, from about $100,000 in the oldest blocks near Comstock Avenue to about $351,000 around Campbell Lake. Zillow’s September 2026 index put ZIP 49048 near $198,500 and 49053 near $290,700, figures that mix in neighboring towns. We price the house you choose against current sales.

Can I add a rental unit or keep chickens on a Comstock Township lot?

The township allows one accessory dwelling unit on a lot with a single family house, one bedroom and two residents at most, and the owner must live in the house or the unit, recorded as a deed restriction. A detached unit needs Planning Commission approval. Up to six hens are allowed with a permit, and roosters are not. After closing, the transfer station on East Main Street takes recycling and yard waste, and bulk rubbish by the cubic yard, with a resident ID card.

Talk with a local mortgage expert

Tell Samantha what you are trying to do in Comstock Township and she will tell you what actually matters for your situation, including whether the timing is right.

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Align Lending LLC, NMLS #2041154. Samantha Shelton, NMLS 1647301. Equal Housing Opportunity. Licensed in Michigan, Ohio, North Carolina, Florida, Louisiana and Texas. Figures on this page are market research for orientation, not a quote. This page is for educational purposes only. It is not a credit decision, a preapproval, a commitment to lend, or an offer of credit.