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Macomb County, Michigan

Mortgage Lender in Warren, MI

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Buying a home in Warren

Warren is a Macomb County city of about 137,000 people (World Population Review), running north from Detroit's 8 Mile border to Sterling Heights, and it is engineering and defense country. The 710-acre, Eero Saarinen-designed GM Global Technical Center employs 21,000-plus engineers and designers, the U.S. Army's TACOM at the Detroit Arsenal adds thousands of defense paychecks, and Stellantis's Warren Truck and Stamping plants and General Dynamics Land Systems round out a deep employer base. Median household income runs near $64,000.

Most of the city is mid-century brick, dense postwar grids of bungalows and ranches in the south giving way to ranches and colonials in the north, and prices rise as you head north. The southeast 48089, just above 8 Mile, has a typical value near $108,700 with listings around $139,000, southwest 48091 sells near $155,000, north-central 48093 runs about $210,000 to $250,000, northeast 48088 around $235,000 and northwest 48092 about $243,000, against a citywide typical value near $189,000. Homes in the northern ZIPs typically sell in roughly 16 to 33 days, while the south side's under-$200,000 stock runs closer to 38 to 44 days.

By the numbers

Warren housing and mortgage snapshot

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

$190,000

Typical home value, from the market research on this page

+63%

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

1.46%

Effective property tax rate, as a share of value

5

Residential ZIP codes: 48088, 48089, 48091, 48092, 48093

What financing looks like in Warren

To comfortably carry the ~$235,000 median, plan on household income of roughly $72,000-$85,000: with 10-20% down at current rates, principal, interest, taxes, and insurance land near $1,700-$1,900 a month. Property taxes matter here, Warren's effective rate runs about 1.46%-1.59% (Ownwell), with Warren Consolidated Schools' homestead millage near 42.6 mills. Michigan caps annual taxable-value growth, so budget off the post-sale *uncapped* value, not the prior owner's bill. First-time buyers should ask about MSHDA down-payment assistance. At this price point you're comfortably under the Macomb County conforming limit, so conventional and FHA loans, not jumbo, fit almost every 48088 purchase.

Nearly every Warren purchase fits well under the 2026 conforming limit of $832,750, so loan size is rarely the constraint.

Sub-markets

Warren housing market by ZIP code

Warren spans 5 residential ZIP codes, and they are different sub-markets.

ZIP 48088, near $235,000

Homes in 48088 typically sell around $235,000, noticeably above the citywide Warren median of roughly $190,000-$210,000, because this ZIP carries newer and larger brick stock. Values are up about 5%-6% year over year (Redfin reported the citywide average up 5.8% in early 2026). Homes now average about 33 days on market, a real cooling from the roughly 13 days a year earlier, yet well-priced, move-in-ready listings still go pending in about a month and close within roughly 1% of asking. Demand is anchored by proximity to the GM Tech Center, TACOM, and the Stellantis plants, which keep a reliable stream of engineers, defense workers, and tradespeople shopping these streets. Named areas: Lancaster Woods, Pipers Van Dyke / Van Dyke Farms, Bear Creek Village.

ZIP 48089, near $108,700

Affordability defines 48089: the typical home value sits near $108,700 (Zillow), with current listings clustering around a $139,000 median list price (Redfin), the lowest of any Warren ZIP. Appreciation has been sharp, up about 27.2% year over year per Zillow, though that outsized jump rides on a low, volatile price base and should be read with caution. Demand is fierce: Warren citywide moves homes in roughly 19 days with about 3 offers each, while the under-$200K stock that dominates 48089 typically takes a bit longer, around 38-42 days. Steady paychecks from the GM Tech Center, the Detroit Arsenal, and the Stellantis Warren Stamping Plant keep buyer demand consistent across the cycle. Named areas: Warren Woods, Warrendale, Berkshire Manor.

ZIP 48091, near $155,000

Homes in 48091 carry a median sale price near $155,000, making this one of Warren's most affordable ZIPs, well below the citywide typical value of roughly $189,000. Values rose about 1.9% year-over-year through mid-2026, essentially flat-to-modestly-up. Listings sit a median of around 44 days on market, a touch slower than Warren citywide (~38 days) and about 11% longer than a year prior, signaling a balanced market rather than a frenzy. Demand is propped up by proximity to the GM Tech Center, TACOM, and Warren Truck, well-priced, move-in-ready ranches and bungalows still trade briskly, while homes needing work tend to linger. Named areas: Fitzgerald, Beierman Farms / Southwest Warren.

ZIP 48092, near $243,000

Homes in 48092 carry a median sale price of roughly $243,000 (Redfin, Jan 2026), the highest of any Warren ZIP. Year-over-year direction is genuinely mixed across sources, Redfin showed 48092 down about 6.6%, while Homes.com reported average sale prices up ~4.2% and Zillow showed Warren citywide up ~1.1%, so treat prices as essentially flat. The market is quick: homes average about 30 days on market (down from ~39 a year earlier), go pending in roughly 32 days, and sell about 3% under list. Redfin scores it competitive at ~79/100. Demand is driven by proximity to the GM Tech Center, TACOM, and an easy reach into Sterling Heights and Troy. Named areas: Halmich Park area, Northwest Warren, Palmer Woods Estates.

ZIP 48093, near $212,000

Pricing in 48093 lands in a band rather than a single number: Zillow's ZIP-level value index sits around $212,000, active mid-2026 listings carried a median asking price near $237,000, and some sold-data sources reach about $249,000. Call it a realistic $210K-$250K typical home, with updated stock near the Sterling Heights edge listing into the $300Ks-$400Ks. Appreciation has run roughly +3% to +5% year over year for the broader Warren market. The real signal is speed: homes went under contract in a median of about 16 days in June 2026, down roughly 33% from a year earlier. Demand is driven by those nearby engineering and defense employers plus relative affordability versus neighboring Oakland County. Named areas: Northeast Warren, Granader Subdivision.

Where to look

Warren neighborhoods

Lancaster Woods

(~$230,000-$300,000), established streets of larger postwar brick homes in the northeast.

Pipers Van Dyke / Van Dyke Farms

(~$190,000-$260,000), classic 1950s-60s brick ranches near the Van Dyke (M-53) corridor.

Bear Creek Village

(~$220,000-$300,000), newer-stock subdivision blending bungalows with later additions.

Bella Vista Estates

(~$240,000-$320,000), one of the ZIP's more upscale pockets.

Sprenger Park / Warren Woods area

(~$200,000-$270,000), well-kept family blocks near the Warren Woods boundary.

Warren Woods

(~$130K-$190K): Quiet, family-friendly blocks near Frazho Road served by the well-regarded Warren Woods Public Schools; the southern edge falls inside 48089.

Warrendale

(~$100K-$150K): An established southeast-Warren pocket of modest postwar homes squarely within the ZIP.

Berkshire Manor

(~$110K-$160K): A tidy subdivision in the southeast Warren cluster.

Belangers Garden

(~$100K-$150K): An older SE Warren neighborhood with affordable, owner-occupied housing.

Piper / Van Dyke area

(~$95K-$145K): The most affordable blocks, lining the Van Dyke commercial corridor and served by Van Dyke Public Schools.

Fitzgerald

(~$130,000-$180,000): Older south-central pocket around Ryan Road mixing historic and post-war homes, served by Fitzgerald Public Schools.

Beierman Farms / Southwest Warren

(~$140,000-$185,000): Family-oriented southwest streets of post-war ranches and bungalows.

Schools and commute

Schools

48088's character lives in its subdivisions: Most of the ZIP feeds into Warren Consolidated Schools, with eastern pockets in Warren Woods Public Schools. Most of the ZIP is served by Van Dyke Public Schools (headquartered on MacArthur Blvd) and Warren Woods Public Schools, with Fitzgerald and Eastpointe-area districts bordering the edges, confirm by address. Most of 48091 is zoned to Fitzgerald Public Schools (HQ on Ryan Road inside the ZIP), with portions in Warren Consolidated and boundary overlap near Van Dyke Public Schools. Most of 48092 is served by Warren Consolidated Schools (~12,500 students across 23 schools, including Green Acres and Lean elementary), with Van Dyke Public Schools bordering to the southwest.

Commute

Downtown Detroit is about 19 miles, a 26-35 minute drive via I-75 or Van Dyke (M-53).

Michigan property taxes

Warren 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 the City of Warren, our 2026 Uncapping Study found taxable value typically rises about 63% the year after a sale: roughly $3,080 more in first-year tax on a $300,000 home at the local homestead millage. We build your payment on that post-sale number.

In Samantha's words

County alone does not tell you much. We would never say you are in a particular county so here are your taxes. It does not work like that. We need the actual property.

Local resources

Check Warren records yourself

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

What our clients say

5.0 on Google across 128 reviews

★★★★★
The pre-approval process for my home search in Bloomfield Hills was fast and organized. Samantha answered all my questions and helped me feel confident moving forward.
Elias KendraAugust 2026
★★★★★
Align Lending helped make purchasing my home in Madison Heights a smooth experience. I appreciated the regular updates and clear explanations along the way.
Jason OnwenuAugust 2026
★★★★★
I highly recommend Align Lending to anyone looking for a mortgage broker in Southeast Michigan. The team was knowledgeable, responsive, and easy to work with.
Riley LennonAugust 2026
★★★★★
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
★★★★★
Samantha was extremely helpful during my home loan process in Novi. Communication was quick, the instructions were clear, and everything stayed on track through closing.
Joey LewandAugust 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

Individual experiences. Results vary.

Warren mortgage questions

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

What is the typical home price in Warren's 48088 ZIP code?

Homes in 48088 typically run around $235,000, with most listings ranging from roughly $190,000 to $320,000 depending on the subdivision. That’s higher than Warren as a whole (citywide values sit closer to $190,000-$210,000), because 48088 is one of the city’s more desirable northeast neighborhoods with newer and larger brick homes.

Warren is a very competitive market. Citywide, homes sell in about 19 days and receive roughly 3 offers each. In the lower price tiers that dominate 48089 (homes under $200K), expect a slightly longer window of about 38-42 days. Being pre-approved and ready to move quickly matters here.

48089 carries the lowest median property-tax bill of any Warren ZIP, around $1,878 per year, versus a citywide median near $2,916. Warren’s effective rate runs about 1.46%, and the gap between ZIPs is driven mostly by differing school-district millage. Michigan’s Principal Residence Exemption and taxable-value cap can lower the bill further for owner-occupants.

Most of 48093 is served by Warren Consolidated Schools, one of the area’s largest districts (about 25 schools across Warren, Sterling Heights and Troy, with its district office at 31300 Anita in 48093 and Cousino High School in the north end). Small portions of Warren fall under Warren Woods, Van Dyke, or Fitzgerald districts, so confirm the assigned school for any specific address.

For a roughly $110K-$140K home with about 5% down at today’s rates, plus 48089’s modest taxes and insurance, a household income in the rough range of $40,000-$50,000 is often enough to qualify. That’s an estimate, not a quote; a quick pre-approval will pin down your exact number.

Downtown Detroit is about 14-19 miles away, a 25-30 minute drive via I-75 or I-696. You’re also minutes from Warren’s major job centers: the General Motors Global Technical Center (21,000+ employees), the U.S. Army’s Detroit Arsenal/TACOM, Stellantis’s Warren Truck and Stamping plants, and General Dynamics Land Systems, a big reason 48093 stays a stable, in-demand place to own.

Yes for value-focused buyers: 48089 offers Warren’s lowest prices and lowest tax bills, steady demand from workers at the nearby GM Tech Center, TACOM/Detroit Arsenal, and defense suppliers, and a short ~20-25 minute commute to downtown Detroit. Strong recent price appreciation also points to room for equity growth, though the low price base makes year-to-year swings larger.

Talk with a local mortgage expert

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

  1. 1

    Tell us what you are trying to do

    Not what product you want. What you are actually trying to accomplish.

  2. 2

    We look at your situation

    A licensed Align loan officer works out what matters most for you specifically.

  3. 3

    You leave with a plan

    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.

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