Mortgage Lender in Dearborn Heights, MI
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Tucked into the south end of western Wayne County, ZIP 48125 is the dense, affordable heart of Dearborn Heights, roughly 21,300 residents inside a city of about 60,000 (World Population Review). This is a true bedroom community: most households commute out to Ford Motor Company, area hospitals like Corewell Health / Beaumont Dearborn, and the auto-supplier base across the region. The neighborhoods along Telegraph Road, Ford Road, and Beech Daly are filled with postwar brick ranches and a large, established Arab American community shared with neighboring Dearborn. Median household income runs near $60,391, and with home prices closely tracking what locals earn, 48125 stays one of metro Detroit’s reliable first-time-buyer and owner-occupant markets, steady demand, modest price tags, and quick turnover.
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Homes in 48125 typically sell around $180,000, with Redfin’s listing median near $177K and Zillow’s city-wide typical value about $170,000, putting the south end firmly in the city’s lower-to-mid price tier. Values are up sharply year over year: Zillow reports roughly +18% city-wide, though thin inventory likely inflates that, so a realistic 48125 figure is closer to +8% to +18%. Homes average about 25-37 days on market, up from roughly 11 days a year ago. Demand is driven by affordability, proximity to Dearborn’s job centers, and a deep supply of entry-level single-family inventory.
The 48127 median sale price landed around $245,000 in early 2026, with active listings often asking $255K-$265K per Zillow. Year-over-year direction is genuinely murky: Zillow showed the city roughly flat to up about 1%, while Redfin’s small-sample monthly figure swung to roughly -10.8%, so the honest read is flat to modestly down. Homes moved in about 27 days on market, up from near two weeks a year earlier, with citywide medians closer to 40 days late in 2025. Demand here is driven less by jobs and more by the Crestwood district’s reputation, golf-course-adjacent streets, and the short hop to Dearborn and Detroit employment.
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Dearborn Heights Real Estate & Mortgage Overview
Buying the ~$180,000 median home here takes roughly $55,000-$62,000 in household income, right around the local median. An FHA loan at 3.5% down lands near $1,550-$1,600 a month including taxes, insurance, and mortgage insurance; a 20% conventional down payment trims the income need into the mid-$50Ks. Budget carefully for property taxes: the effective rate in 48125 is about 1.19%, among Wayne County’s higher rates, with a typical bill near $2,091. Under Michigan’s Proposal A, taxable value resets to market when you buy, the “pop-up”, so estimate taxes off the new assessment, not the seller’s old bill. At these price points, conforming loans cover essentially every purchase, and MSHDA down-payment assistance pairs well with FHA financing.
What it's Like to Live in Dearborn Heights
- South Dearborn Heights (48125 core), $150,000-$210,000: the bulk of the ZIP, with modest postwar brick ranches and bungalows that make up most of the first-time-buyer supply.
- Annapolis-Van Born, $160,000-$220,000: a quiet, family-friendly south-end pocket mixing single-family homes with some apartments.
- Beech Daly Road corridor (west side), $150,000-$200,000: near Beech Daly and Inkster Road, this strip produces much of the ZIP’s entry-level inventory.
- Gulley Road / Pelham area, $170,000-$230,000: interior streets off the Pelham and Telegraph corridors, with slightly higher-priced, well-kept blocks.
- Warren Valley / north-of-Van Born, $180,000-$250,000: homes near the 1922 Donald Ross-designed Warren Valley Golf Course and the Rouge River greenbelt carry a premium for the open-space setting.
Most of the south end is served by Dearborn Heights School District #7 (Annapolis High School) and Westwood Community School District (Robichaud High School); the Crestwood district covers the north side (48127), so confirm by address. Downtown Detroit is about 12-13 miles, a 20-25 minute drive off-peak via I-94, Michigan Ave, or Ford Road.
- Crestwood (~$200K-$300K): the core north-end neighborhood inside the Crestwood School District, full of brick bungalows and ranches.
- Warren Valley / Beech Daly corridor (~$230K-$340K): larger and updated homes near the Warren Valley Golf Course and Hines Park.
- Westwood (~$180K-$280K): an adjacent north-end area served by Westwood Community Schools and Crestwood.
- Hilltop / North Gulley (~$200K-$300K): established streets near the Crestwood district offices at 1045 N. Gulley Rd.
- Riverside (~$190K-$290K): a residential pocket near Riverside Middle School, Warren Ave, and the Rouge River.
The north end is anchored by the Crestwood School District (~3,700 students, six schools, Crestwood High on Beech Daly Road). Downtown Detroit is about 12-13 miles away, a 20-25 minute drive off-peak via I-94 or Ford/Michigan Avenue, with direct bus service from the Dearborn Transit Center for $1-$3.
Dearborn Heights covers residential ZIP codes 48125 and 48127.
The Process
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- Explore Your Loan Options - We take the time to explain the different mortgage programs you qualify for, including fees, taxes, and insurance.
- Customize Your Rate - We work with top lenders to ensure you get a mortgage rate that fits your financial goals.
- Fast & Easy Pre-Approval - Get pre-approved in minutes and gain the confidence to shop for your dream home!
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- Expert Representation - Agent compensation is agreed in writing before you start touring, so you know that cost up front and can build it into your offer.
- Seamless Home Research - We’ll connect you with a trusted agent to make your homebuying journey as smooth as possible.
- The Fun Begins - Shopping for your new home is an exciting experience-picture your future, explore possibilities, and find the perfect fit for your family.
Make an Offer & Close on Your Mortgage - Fast!
- Strategic Offer Support -We collaborate with your agent to ensure your offer is as strong as possible.
- Fast & Efficient Closing - Once your offer is accepted, we work to close your mortgage in less than two weeks.
- Move Into Your Dream Home - Before you know it, the keys are in your hand and you’re settling in!
Dearborn Heights Mortgage FAQ's
What is the typical home price in Dearborn Heights ZIP 48125?
Homes in 48125 typically run around $180,000, with a median listing price near $177K (Redfin) and the city-wide Zillow typical value around $170,000. The 48125 south end is one of the more affordable parts of the city, with most inventory between roughly $150,000 and $220,000.
What income do I need to buy a median-priced home here?
Roughly $65,000-$75,000 in household income. On a ~$245K home with 20% down at current rates, principal, interest, taxes, and insurance run about $1,600-$1,700 a month, which fits a gross income near $5,800-$6,000 a month. Low-down-payment FHA or first-time-buyer programs can lower the cash needed upfront.
How fast are homes selling in 48125?
Pretty quickly. Homes in 48125 average about 25-37 days on market. City-wide, homes have been selling in roughly 25 days, up from about 11 days a year ago, so the market has cooled slightly but well-priced homes still move fast, often with multiple offers in the entry-price tiers.
Which school district serves 48127?
The north end of Dearborn Heights (48127) is primarily served by the Crestwood School District, which runs Crestwood High School on Beech Daly Road and about six schools for ~3,700 students. Parts of the area also fall in Westwood Community Schools and Dearborn Heights District No. 7.
What are property taxes like in Dearborn Heights 48125?
The effective property tax rate in 48125 is about 1.19%, among the higher rates in Wayne County, with a typical city bill around $2,091. Remember Michigan’s Proposal A caps annual taxable-value increases while you own, but the taxable value resets to market (a “pop-up”) when you buy, so budget your taxes off the new assessment, not the seller’s old bill.
What's the commute from Dearborn Heights to downtown Detroit?
Downtown Detroit is about 12-13 miles away, roughly a 20-25 minute drive off-peak via I-94 or Ford/Michigan Avenue. There’s also direct bus service from the Dearborn Transit Center to downtown for $1-$3, making it a practical inner-ring suburb for Detroit and Dearborn workers.
Are there first-time homebuyer programs that work in Dearborn Heights?
Yes. Because 48125 home prices and the qualifying income line up closely with the area median, many buyers here use MSHDA (Michigan State Housing Development Authority) down-payment assistance, FHA loans, and similar first-time-buyer programs. The affordable price points and steady owner-occupant demand make 48125 a common entry point for first-time buyers and investors in western Wayne County.
Our Service Areas
Michigan Counties We Serve: Genesee, Lapeer, Lenawee, Livingston, Macomb, Monroe, Oakland, Saint Clair, Washtenaw, Wayne
If you’re in or around any of the locations listed above, Align Lending  has you covered! Contact us to make a service appointment now!
