Lenawee County, Michigan
Local mortgage guidance for Clinton buyers and homeowners, with options shopped across multiple wholesale lenders and one Michigan broker who stays with your file.
Tucked into the Irish Hills along U.S. Route 12, Clinton is a historic Lenawee County village of about 2,500 people where the Southern Michigan Railroad Society museum and a walkable downtown anchor small-town life. This is real Clinton, Lenawee County, far west of Detroit, not the Macomb County suburb people often confuse it with. Most households here commute outward: Ann Arbor sits 25 to 30 minutes north, while paychecks come from regional employers like Tecumseh Products, Kirchhoff Automotive, and ProMedica's Hickman Hospital in Adrian. The median household income runs near $78,750, modestly above the Lenawee County average. Whether you're buying a historic home near the village core or acreage out toward the Irish Hills lakes, Align Lending matches Clinton 49236 buyers and refinancers with financing built for this particular corner of Michigan.
By the numbers
Values move. Treat these as orientation and let us pull current figures for the address you are considering.
Typical home value, from the market research on this page
Typical rise in taxable value the year after a home sells in Clinton Township, 2026 Uncapping Study
Property tax current owners pay, as a share of value. A buyer's bill can reset higher the year after a sale
Residential ZIP code: 49236
To comfortably carry the $280,000 median home, including taxes and insurance, you'd generally want household income near $78,000 to $85,000, depending on your down payment and rate. That lands right at Clinton's median, so careful budgeting matters here. Property taxes current owners pay in Clinton run about 1.07%, below the Lenawee County average near 1.33%. Remember Michigan's taxable-value cap, a newly purchased home often sees its bill step up after closing, so budget for the uncapped figure. At this price point nearly every Clinton purchase falls under conforming limits, so jumbo financing rarely applies; first-time buyers should ask about MSHDA down-payment assistance and FHA options.
Nearly every Clinton purchase fits well under the 2026 conforming limit of $832,750, so loan size is rarely the constraint.
The market
As of early 2026, the median sale price in Clinton 49236 sits around $280,000 according to Redfin, though RealtyTrac pegs it nearer $254,000, the spread is normal in a low-volume ZIP. Year-over-year, Redfin reported a striking jump of roughly +30%, but that figure is amplified by thin sales counts, so treat it as directional rather than a figure you can expect to repeat. Homes are moving faster, too: days on market have tightened to roughly 29 to 35 days this spring, down from about 49 a year earlier. Demand is driven by the Ann Arbor commute, the appeal of the new 2025 high school, and limited inventory across the historic village and surrounding township.
Where to look
Older established and mid-century homes within walking distance of US-12 and the village core. Prices run about $150,000 to $300,000.
A country-estate-style subdivision with larger lots on the village edge. Prices run about $300,000 to $500,000 and up.
Acreage, farmhouses, and occasional lakefront properties, the widest price spread in the ZIP. Prices run about $250,000 to $920,000.
Homes toward neighboring Tecumseh along the river, popular with commuters. Prices run about $200,000 to $350,000.
Clinton 49236 offers a wide spread of housing, from village blocks to open acreage: Children here attend Clinton Community Schools, a PK-12 district of about 1,200 students that opened a new high school in 2025, supported regionally by the Lenawee ISD.
For commuters, downtown Detroit is roughly 65 to 70 miles (a 75 to 90 minute drive), while Ann Arbor, the realistic daily commute, is just 25 to 30 minutes away.
Michigan property taxes
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 Clinton Township, which assesses Clinton, our 2026 Uncapping Study found taxable value typically rises about 42% the year after a sale. On a $275,000 home, near the typical Clinton value, that is roughly $1,670 more in first-year tax at the village's homestead millage. We build your payment on that post-sale number.
Looking at a Clinton address? Our Michigan property tax calculator finds that property's published 2025 millage and works out the tax to plan for after you buy.
Don't build your budget around somebody else's tax bill. The seller's tax history tells us something about the property. It does not automatically tell us what your taxes are going to look like as the new owner.
Local resources
The official offices behind the tax and school details on this page.
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Individual experiences. Results vary.
If yours is not here, ask it on the call. There are no dumb questions.
As of early 2026 the median sale price is roughly $280,000, with listings often ranging from the high-$200,000s into the $300,000s. Prices have risen sharply year-over-year (Redfin reported about +30%), though Clinton is a small market where a few sales can swing the numbers.
Clinton’s effective property tax rate runs around 1.07%, lower than the Lenawee County average effective rate of about 1.33%. Because Michigan caps how fast taxable value can rise, your actual bill depends heavily on when the home was last sold, newly purchased homes often see taxes step up.
Clinton Community Schools serves the area, a PK-12 district of about 1,200 students that opened a new high school in 2025. It draws from Clinton plus parts of Tecumseh, Franklin, Macon, and several Washtenaw County townships, supported regionally by the Lenawee ISD.
Ann Arbor is the practical commute at roughly 25 to 30 minutes. Downtown Detroit is about 65 to 70 miles away, a 75 to 90 minute drive, so Clinton (in Lenawee County) is a true small town, not to be confused with the Clinton Township suburb near Detroit.
Options range from established homes in the historic Village of Clinton along US-12 (roughly $150,000 to $300,000), to the larger-lot Deer Pointe subdivision ($300,000 to $500,000+), to rural acreage, farmhouses, and occasional lakefront properties in the surrounding township and Irish Hills that can run anywhere from the low $200Ks to over $900,000.
Almost certainly not. With a median around $280,000 and most homes well under conforming loan limits, the vast majority of Clinton purchases qualify for conventional, FHA, VA, or USDA financing. Jumbo loans only come into play for the rare high-end lakefront or large-acreage estate in the surrounding Irish Hills.
Tell Samantha what you are trying to do in Clinton and she will tell you what actually matters for your situation, including whether the timing is right.
Not what product you want. What you are actually trying to accomplish.
She works out what matters most for you specifically.
Your options, the tradeoffs, and your next step. No obligation to go further.
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.
Clinton in Lenawee? Taxable value rises about 42% after a sale. I'll run yours.
Samantha Shelton · Broker Owner and Senior Loan Originator · NMLS 1647301
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