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Washtenaw County, Michigan

Mortgage Broker in Lodi Township, MI

Lodi Township homes carry Ann Arbor or Saline mailing addresses, and the parcel record decides which of three school districts sets the tax. As a Michigan mortgage broker serving Lodi Township, MI, Samantha Shelton starts from that record and compares loans from multiple wholesale lenders for you.

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What should you know before buying a home in Lodi Township?

Lodi Township, in Washtenaw County, is home to about 6,394 residents in the Census Bureau's 2020 to 2024 American Community Survey (6,417 in the 2020 census) across about 34 square miles of land. Its ZIP codes also reach into Ann Arbor, Pittsfield Township and Saline, so the parcel record, not the mailing address, shows which unit's tax rates apply. Downtown Ann Arbor is about 7 miles northeast in a straight line, and downtown Detroit is about 42 miles east in a straight line.

By the numbers

What do the numbers say about Lodi Township housing?

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

$471,000

Typical home value, from the market research on this page

+27%

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

2

Residential ZIP codes: 48103, 48176

What does financing look like in Lodi Township?

Lodi Township is a mix of subdivisions, condominiums, acreage and one manufactured home community, which is why a Lodi loan file gets read parcel by parcel. The Census Bureau American Community Survey (ACS 2024 5-year) counts 2,426 housing units, of which 1,998 are single-family detached, 77 are single-family attached, 12 sit in buildings of two to four units and 339 are mobile homes. Owners hold 2,230 of the 2,294 occupied homes and renters hold 64. The median owner-occupied value is $470,700 with a margin of $30,482, and the median year built is 1987. Redfin's market pages are the place to see recent sold prices for the exact street, since a township median hides a wide spread. A typical Lodi home sits under the 2026 conforming limit of $832,750, so jumbo comes up for the larger parcels and new builds. See the county loan limit lookup, the conventional loan page and the FHA loan page, where the FHA limit is $541,287 and HUD sets the program rules. Our page on why we do not publish rates explains how we quote.

What changes a loan here is mostly the property type. A home on a private well and septic system needs the county evaluation described on the Washtenaw County septic page before it can sell, and lenders ask for the results. A condominium such as the ones OpenStreetMap labels Brassow Woods is reviewed as a project, which our condominium financing guide walks through. In the manufactured home block group the ACS median owner value is $68,100 with a margin of $15,916, so a price that low usually means the home alone, and the manufactured home loan page and the manufactured homes guide explain what a lender needs. Rural parcels may also fit USDA financing, so run an address through the USDA eligibility check before assuming. Michigan State Housing Development Authority help of up to $10,000 carries price limits ($566,355) and income limits, so see the down payment assistance page. Lodi Township's tax bills are covered below. Start with the start screen if you want Samantha to look at your file. For payment planning use the mortgage calculator, the affordability calculator and the rent vs. buy calculator, or browse all calculators. Nearby, our guides cover Saline, Ann Arbor, Scio Township, Pittsfield Township and Dexter, and our Michigan mortgage page covers the state. This page reflects data checked in November 2026 for a mortgage broker serving Lodi Township, MI.

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A Lodi Township parcel can carry an Ann Arbor or Saline mailing address and still sit in any of three school districts. Michigan Treasury's 2025 table puts the homestead total at 34.7171 mills in Saline Area Schools, 34.8229 in Dexter and 35.61 in Ann Arbor Public Schools, so the district printed on the tax record, not the mailbox, sets the bill.

The market

What is the Lodi Township housing market like?

The Census Bureau's American Community Survey puts the median owner-occupied home value in Lodi Township near $470,700, across about 2,230 owner-occupied homes, with a median year built of 1987. The typical home value in Lodi Township is near $471,000. Homeowners pay a median of about $6,091 a year in property taxes, an effective rate of about 1.29% of the median value.

Reading the data

What the Lodi Township numbers say

The ACS 2024 profile is a five year estimate, so it smooths over single sales. Use it to frame a search, then price the exact home. The home inspection checklist covers the checks for an older house.

Where does the $470,700 median come from?

It is the Census Bureau's ACS 2024 median owner-occupied value for the whole township, across 2,230 owner-occupied homes, with a margin of $30,482. The township spans about 34 square miles, so half the homes sit above the figure and half below it.

Why does one block group show $68,100?

Block group 1 of tract 4250 holds 493 housing units and 326 of them are mobile homes, so its median describes the homes, not land and house together. The margin of $15,916 is large, so treat the number as a range and ask a lender about the exact home.

What does a 1987 median build year mean for an inspection?

Homes of that age often have original or replaced roofs, water heaters and, outside municipal service, aging well pumps and septic systems. Plan the checks and ask for service records before the inspection window closes.

Where to look

Which neighborhoods make up Lodi Township?

Township hall and fairgrounds corridor

Lodi Township Hall at 3755 Pleasant Lake Road sits in block group 2 of Census tract 4250, with the Washtenaw Farm Council fairgrounds on Ann Arbor-Saline Road nearby. ACS 2024 puts the block group's median owner value near $516,100, with a wide margin of $67,860, across about 677 occupied homes and a typical build year of 1984.

Lodi Glen and Travis Pointe South

OpenStreetMap labels Lodi Glen and Travis Pointe South as residential areas in the middle of the township, inside block group 2 of tract 4250. The block group's median value is near $516,100 (margin $67,860), and 597 of its 689 housing units are single-family detached. Check each parcel for its school district, since the township holds three.

Brassow Woods and The Meadows at the Links

OpenStreetMap labels Brassow Woods Condominiums and The Meadows at the Links in the same block group as the township hall. Condominium loans are reviewed as a project, so ask for the association budget and rules early. The block group counts 8 homes in buildings of three or four units and 71 attached single-family homes in ACS 2024.

Maple Pond and Three Arch Bay

Maple Pond and Three Arch Bay are mapped by OpenStreetMap on the township's east side in block group 2 of tract 4250, close to the Pittsfield Township line. A mailing address here may read Ann Arbor or Saline, so the parcel record settles the taxing unit. ACS 2024 shows a typical build year of 1984 for the block group.

Orchard Grove and South Wagner Road

Block group 1 of tract 4250 holds 493 housing units, 326 of them mobile homes, and OpenStreetMap maps a community named Orchard Grove here. ACS 2024 puts the median owner value at $68,100 with a margin of $15,916, a figure that reflects the homes themselves. 452 of 479 occupied homes are owner occupied, and the typical build year is 1991.

Lake Forest Golf Club edge, northeast

Lake Forest Golf Club is mapped inside block group 1 of tract 4250, in the township's northeast corner near the Ann Arbor and Pittsfield Township lines. Homes beside the course share the block group's data, which mixes the manufactured community with conventional lots, so the $68,100 median says little about a single street. Price the specific home.

Brookside Golf Course and Brookview Highlands

Brookside Golf Course at 6451 Ann Arbor-Saline Road carries a Saline 48176 address, and Brookview Highlands is mapped beside it in block group 3 of tract 4250. ACS 2024 puts the block group's median owner value near $514,300, with a margin of $65,127, across 468 owner occupied homes built around 1986 on typical.

Ann Arbor-Saline Road south: Gunther Gardens and Express Stop

Gunther Gardens and the Express Stop convenience store are mapped in the southern block group of tract 4250, the same area that holds 487 single-family detached homes among its 491 housing units. The southern edge of the township is the closest part to Saline, about 7 minutes from the hall by OSRM routing.

Rodman Preserve and the southwest

The Michigan Nature Association operates the Joan Rodman Memorial Preserve, mapped in the southern block group of tract 4250 near the township's southwest. Homes near preserved land should be checked for access, easements and any recorded restrictions, which a title search shows. Mail in this part of the township often carries a Saline 48176 address.

Deppmann Lake and Arnold Lake, west

The western block group, block group 1 of tract 4260.02, covers about 18.7 square miles, more than half of the township, and holds Deppmann Lake and Arnold Lake as mapped by OpenStreetMap. ACS 2024 puts its median owner value near $486,200 with a wide margin of $105,711, across 646 owner occupied homes built around 1993 on typical.

Schools and commute

Schools

Three districts serve the township. By our count of 2020 Census blocks, about 73% of Lodi Township's 2,369 homes (roughly 78% of its land) lie in Saline Area Schools, about 25% of homes (roughly 20% of land) lie in Ann Arbor Public Schools, and about 2% of homes lie in Dexter Community Schools. That count assigns each block to the district that holds its center point, so a parcel near a boundary can differ. The Michigan Treasury 2025 millage table lists the homestead total for Lodi Township at 34.7171 mills with Saline Area Schools, 34.8229 mills with Dexter and 35.61 mills with Ann Arbor Public Schools. The non-homestead totals, which apply to a second home or rental, are 52.7171, 52.8229 and 51.5706. The Ann Arbor homestead total is 0.8929 mills above Saline's, which is about $178.58 a year per $200,000 of taxable value. Dexter's is 0.1058 mills above, about $21.16 a year on the same $200,000. The township's own links page lists all three districts, and the parcel record, not the mailing address, shows which one applies. Confirm the district and any enrollment rules with the district itself before you write an offer.

Commute

Drive times below run from Lodi Township Hall at 3755 Pleasant Lake Road using OpenStreetMap-based OSRM routing with no traffic, so rush hour adds time. The I-94 interchange at Ann Arbor-Saline Road is about 5 minutes and 2.6 miles away. Downtown Ann Arbor is about 12 minutes and 6.2 miles, and downtown Saline is about 7 minutes and 3.7 miles. Michigan Medicine's University Hospital is about 16 minutes and 7.5 miles, downtown Ypsilanti about 17 minutes and 12.1 miles, downtown Dexter about 18 minutes and 12.2 miles, downtown Chelsea about 26 minutes and 17.7 miles, and Detroit Metropolitan Airport about 34 minutes and 27.8 miles. The Michigan Department of Transportation posts state highway work, and county road work is reported through the Washtenaw County Road Commission, which the township site links for outage and road reports. MISS DIG 811 handles digging notices, a link the township keeps on its home page.

Day to day

Living in Lodi Township

Parks, errands, events, seasonal township tasks and the kinds of homes you will see, from the Michigan Nature Association preserve listing, the county parks page, the City of Saline, the Ann Arbor District Library, the Saline Community Fair, the township's meetings page, MISS DIG and the other sources named in each card. The loan rules in the last card are in the condominium financing guide and on the manufactured home loans page.

Parks and places to go

The Michigan Nature Association operates the Joan Rodman Memorial Preserve, which OpenStreetMap maps in the township's south. Brookside Golf Course (6451 Ann Arbor-Saline Road) and Lake Forest Golf Club are mapped inside the township. Washtenaw County's parks page lists Rolling Hills County Park (439 acres), Sharon Mills and Parker Mill. Mill Pond Park is in the City of Saline.

Errands close to home

OpenStreetMap maps Tippins Market and the Express Stop convenience store along Ann Arbor-Saline Road inside the township. Saline, 7 minutes away, has Busch's, a CVS and Jensen's Community Pharmacy, plus the Saline Post Office and the Saline District Library. North near the I-94 interchange, in Ann Arbor and Pittsfield Township, are a Meijer and a CVS, and the Ann Arbor District Library has a Pittsfield branch.

City-run events and farmers markets

The 90th Saline Community Fair is scheduled for September 2 to 6, 2026 at the Washtenaw Farm Council grounds, 5055 Ann Arbor-Saline Road, which OpenStreetMap places inside the township. The township posts its board meetings on its meetings page.

What each season means for a homeowner

Summer tax bills go out June 30 and are due September 14. Winter bills go out November 30 and are due February 14. The Saline Area Fire Department asks Lodi Township homeowners to call 734-429-4440 for a burn permit, at no fee. The March Board of Review hears assessment appeals, and MISS DIG should hear from you before any spring digging.

Which kind of home are you after?

Subdivision homes on lots, such as the neighborhoods OpenStreetMap labels Lodi Glen and Travis Pointe South, are the largest group, with 1,998 detached homes in the township. Condominiums such as Brassow Woods follow project review rules. Acreage and farm parcels often use wells and septic, which brings the county Time of Sale step. Manufactured homes, 339 in ACS 2024, follow their own loan rules. Each type changes the loan file and the tax record differently.

District by district

Three districts, three millage totals

All figures come from the Treasury 2025 table for Lodi Township. Homestead means a principal residence, and non-homestead covers rentals and second homes. District details are on the Saline Area Schools, Ann Arbor Public Schools and Dexter Community Schools sites.

What if the home is in Saline Area Schools?

This is the largest share, about 72.6% of the township's 2,369 homes. The homestead total is 34.7171 mills and the non-homestead total is 52.7171.

What if the home is in Ann Arbor Public Schools?

About 24.9% of homes fall here, 591 of 2,369. The homestead total is 35.61 mills and the non-homestead total is 51.5706.

What if the home is in Dexter Community Schools?

About 2.4% of homes fall here, 58 of 2,369. The homestead total is 34.8229 mills and the non-homestead total is 52.8229.

Michigan property taxes

What will my property taxes be after I buy in Lodi Township?

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 Lodi Township, our 2026 Uncapping Study found taxable value typically rises about 27% the year after a sale. On a $475,000 home, near the typical Lodi Township value, the first-year tax goes up roughly $1,740 to $1,790, depending on the school district. Most homes here are in Saline schools (about $1,740); Ann Arbor schools homes run about $1,790. Your address decides which applies. We build your payment on that post-sale number.

Looking at a Lodi 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.

Tax detail

How the tax bill works here

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. The taxable value guide explains the rule, and the Michigan property tax calculator, the township treasurer and the transfer tax calculator cover the rest.

What is the planning number for a $471,000 home?

Samantha plans high on purpose. Half of $471,000 is $235,500, times the homestead millage: about $8,176 a year in Saline Area Schools, $8,201 in Dexter and $8,386 in Ann Arbor Public Schools.

When do bills arrive and how can I pay?

The township treasurer mails summer bills June 30 and winter bills November 30. Pay at the township hall or its drop box, at Bank of Ann Arbor locations or the Saline Old National Bank, or online with a $3.00 electronic check fee.

Is there a lower bill for a primary residence?

Yes. Homestead millage is lower than non-homestead millage in each district, for example 34.7171 against 52.7171 mills in Saline Area Schools. A buyer claims the principal residence exemption after closing, and the township office can explain the affidavit.

Local resources

Check Lodi Township records yourself

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

What our clients say

5.0 on Google across 123 reviews

★★★★★
As a first-time homebuyer in Ferndale, I was unsure of some things. Samantha was awesome. She was extremely helpful and made sure I understood every part of the process.
Peter RosaAugust 2026
★★★★★
Want to shout out Samantha for the expert guidance, made my first-time homebuyer experience seamless! It exceeded expectations and was a stress free process throughout. Grateful for all your help and loving my new home in Bloomfield Hills!
MichaelJuly 2026
★★★★★
Samantha Shelton is amazing!! She helped me get into my first home in Ferndale. The closing process was easy I was able to take care of everything without taking a day off of work. Being a first time homebuyer was stressful but she provided clear communication and true experience guidance throughout the entire process
Jeffery HolleyFebruary 2026
★★★★★
Can’t say enough great things about Samantha and her team at Align Lending! Highly recommend
Justin BartonJune 2024
Read all reviews on Google

Individual experiences. Results vary.

Lodi Township mortgage questions

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

Does an Ann Arbor or Saline mailing address mean a Lodi Township home is taxed there?

No. The township’s ZIP codes, 48103 and 48176, also reach into Ann Arbor, Pittsfield Township and Saline, so the mailing town and the taxing unit can differ. The parcel record shows the township, school district and millage. Look the parcel up in the Washtenaw County parcel search or call the township office at 734-665-7583 before you rely on the mailing address.

One of three: Saline Area Schools, Ann Arbor Public Schools or Dexter Community Schools. About 73% of the township’s homes lie in Saline Area Schools by 2020 Census block counts, about 25% in Ann Arbor and about 2% in Dexter. The district sets part of the tax bill, so the Treasury 2025 millage table is the place to compare, and the district’s own site confirms enrollment rules.

Treasury’s 2025 homestead totals are 34.7171 mills for Saline Area Schools, 34.8229 for Dexter and 35.61 for Ann Arbor Public Schools. Ann Arbor’s total is 0.8929 mills above Saline’s, about $178.58 a year per $200,000 of taxable value. On a $471,000 home, Samantha’s planning number (half the price times the homestead millage) is about $8,176 a year with Saline, $8,201 with Dexter and $8,386 with Ann Arbor.

Washtenaw County runs a Time of Sale program for homes with an onsite well or septic system, and its page lists certified inspectors, a regulation and a fee schedule. Homes on municipal water and sewer are outside the program. Read the county septic page and our septic guide before you write an offer, and ask the seller for existing records.

Yes, a road district can be formed. A 2018 Saline Post report said the township then had four special assessment districts, that owners on a road petition for one once more than half agree, and that the township holds two public hearings. A proposed district on Robert Lane was set to be paid in yearly installments. Ask the township whether a parcel sits in a district, because the charge arrives on the tax bill.

The township assessor, Stephanie Renius of Renius and Renius, keeps Tuesday office hours from 9 a.m. to 5 p.m. and answers at assessor@LodiTownshipMi.org. The March Board of Review hears appeals, and the township’s 2026 notice listed sessions on March 3, 9 and 10 with written appeals due March 6. See the township’s Board of Review dates and call 734-665-7583 with questions.

The township treasurer page says summer bills are mailed June 30 and due September 14 (so the 2026 summer bill was due September 14), and winter bills are mailed November 30 and due February 14, with the 2026 winter bill going out November 30. Partial payments are accepted. Paying online by electronic check carries a $3.00 fee, and a credit card carries a 3% fee. If your lender escrows taxes, the lender pays them, as explained in our escrow guide.

Often yes, with different rules from a site built home. ACS 2024 counts 339 mobile homes among Lodi Township’s 2,426 housing units. A lender looks at the foundation, whether you own or lease the land, and the age and condition of the home. Start with the manufactured home loan page and the manufactured homes guide, then talk with Samantha about your specific home.

Before you offer

Things to settle on a Lodi Township house

A short list of items we ask about on every Lodi parcel, because each one can change the loan file, the tax record or the closing date. The references: the Washtenaw County Environmental Health page, the FEMA Map Service Center, FloodSmart, the township's applications and permits page, the flood zone guide, the Loan Estimate check and the Consumer Financial Protection Bureau.

Is the home on a well and septic system?

Ask the seller for permit records and plan for the county Time of Sale step. The Washtenaw County Environmental Health page links the program, certified inspectors and records search.

Is the home in a FEMA flood zone?

Check the address on the FEMA Map Service Center. If the map shows a high risk zone, the lender requires flood insurance, and FloodSmart explains quotes.

Is the road public or private, and is there a special assessment?

The township's applications and permits page carries a private road application, so ask who maintains the road. Also ask whether the parcel is in a road district, which appears on the tax bill.

Communities near Lodi Township

Washtenaw County overview

Guides for Lodi Township buyers

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Loan options

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

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Sources

Where do the Lodi Township figures on this page come from?

33 sources behind the Lodi Township figures above, every link checked November 2026.

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.

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