Schools
Romeo's 48065 ZIP runs from walkable historic streets to brand-new builds on acreage: All are served by Romeo Community Schools (~5,200 students across seven schools, including Romeo High).
Macomb County, Michigan
Mortgage Lender in Romeo, MI
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Buying a home in Romeo
Romeo is one of northern Macomb County's most distinctive places to buy a home: an 1830s village of roughly 3,750 residents whose Victorian downtown reportedly never burned, leaving block after block of Civil War-era storefronts and mansions intact. The surrounding 48065 ZIP stretches well past the village into Bruce, Washington, Ray and Armada townships, mixing orchards and acreage with newer subdivisions. For generations the economy ran on Ford's Romeo engine plant, now closed, while the 3,880-acre Ford Michigan Proving Grounds still tests vehicles north of town. Add the Labor Day Romeo Peach Festival and the nationally known "Terror on Tillson" Halloween displays, and you get a community that draws buyers wanting small-town character, land, and history. At Align Lending we finance homes across every corner of this village and its townships.
By the numbers
Romeo housing and mortgage snapshot
Values move. Treat these as orientation and let us pull current figures for the address you are considering.
$350,000
Typical home value, from the market research on this page
1.28%
Effective property tax rate, as a share of value
1
Residential ZIP codes
What financing looks like in Romeo
Plan on roughly $95,000-$105,000 in household income to comfortably carry the ~$350,000 median home. With 20% down at prevailing rates, full PITI lands near $2,400 a month, above what Romeo's ~$74,300 median household income supports, so many buyers put more down, shop below the median, or lean on MSHDA down-payment assistance. On taxes, budget carefully: Macomb County's effective rate is about 1.28%, Romeo-village homestead millage runs ~42 mills in both Bruce and Washington townships (non-homestead near 60), and Michigan resets your taxable value toward market price when you buy, so expect a higher bill than the prior owner paid. At this price point you're comfortably inside conforming limits, so FHA, VA, USDA-rural and conventional loans all fit; jumbo only enters for the high-end acreage builds.
Nearly every Romeo purchase fits well under the 2026 conforming limit of $832,750, so loan size is rarely the constraint.
The market
The Romeo housing market
The typical sale price in 48065 sits around $350,000 as of spring 2026, with Zillow's broader ZIP-area home value closer to $374,000. Year-over-year numbers are noisy here: Redfin showed the median sale price down roughly 20% off a small, volatile monthly sample, while longer-run values are closer to flat. Homes typically go in about 35-45 days (condos averaged ~39), and the market still scores as fairly competitive at around 84/100. Demand is driven by buyers chasing acreage, new construction, and Romeo Community Schools, things that are hard to find in the denser southern-Macomb suburbs. Entry-level homes turn up in the $240,000s while custom and orchard-adjacent builds run well past $500,000.
Where to look
Romeo neighborhoods
Village of Romeo Historic District (incl. Tillson Street)
(~$250,000-$500,000+), stately Victorian and late-1800s homes in the walkable downtown core; the heart of "Terror on Tillson."
Majestic Lakes by Lombardo Homes
(~$350,000-$550,000+), a newer master-planned subdivision popular with families.
Bruce Township (rural Romeo, north/west of the village)
(~$350,000-$700,000+), larger-lot and acreage properties plus newer custom homes.
Older established subdivisions south/east of downtown
(~$240,000-$375,000), mid-century through 2000s single-family homes; the ZIP's more affordable entry point.
Schools and commute
Commute
Downtown Detroit is about 42 miles south, roughly 45-60 minutes via M-53 (Van Dyke) to I-696 and I-75.
Michigan property taxes
Romeo 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.
Effective rates in Romeo run near 1.28% of value and vary by school district. We build your payment on the 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 Romeo records yourself
The official offices behind the tax and school details on this page.
- Bruce Township Assessing, for parcel records and current taxable value
- Romeo Community Schools, for district boundaries and enrollment
- Macomb County Equalization Department, for county property tax records
What our clients say
★★★★★
Samantha is a rockstar. We had an unusual situation with our lending and she went above and beyond to help us get our mortgage approved. I truly feel that if we had worked with any other lender or broker, we would not have been able to close on time, or maybe at all. I am beyond happy with the work Samantha did for us and how she handled the entire process. I cannot say enough good things about the work she did for me and my husband. I will be recommending Align Lending and Samantha to anyone that needs a lender.
★★★★★
Just bought my first home and Ryan Greiner made the mortgage process incredibly quick and easy to understand. He worked hand in hand with my realtor and made sure everything I needed was ready when it had to be. Definitely reccomend Align Lending and Ryan both!
★★★★★
As first time homebuyers we made sure to do our research before choosing a mortgage broker. We decided to go with Align Lending and could not have made a better choice. We worked with Samantha and she made the entire process smooth and easy. The customer service was top notch! The professional, yet caring approach was just what we were looking. We highly recommend Align Lending!
★★★★★
Samantha was absolutely wonderful to work with when we purchased our new home last month. She made herself available day and night for us and was always able to quickly respond to our questions. She made the entire process so comfortable and easy. 10/10 would highly recommend!!
★★★★★
Samantha and align lending are always a pleasure to work with. I recommend my clients here and they always are quick to help, knowledgeable and make the process as smooth as possible. We will definitely keep using them for our mortgage needs in the future.
★★★★★
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.
Individual experiences. Results vary.
Romeo mortgage questions
If yours is not here, ask it on the call. There are no dumb questions.
What is the typical home price in Romeo, MI (48065)?
As of spring 2026 the typical/median sale price is around $350,000, with broader ZIP-area home values estimated near $374,000 by Zillow. The market is fairly competitive, though pricing has been volatile on a small monthly sample, so entry-level homes can be found in the $240,000-$300,000 range and new-construction or acreage properties run well above $500,000.
How much income do I need to buy a median-priced home in Romeo?
Roughly $95,000-$105,000 in household income. On a ~$350,000 home with 20% down at prevailing rates, expect about $2,400/month in principal, interest, taxes and insurance, which fits standard debt-to-income guidelines near $100K/year. That’s above Romeo’s ~$74,300 median household income, so many buyers put more down, buy below the median, or use a first-time-buyer program, talk to a lender about MSHDA down-payment assistance and the options Align Lending offers.
What are property taxes like in Romeo and Macomb County?
Macomb County’s effective property tax rate is about 1.28% of market value. Within Romeo village, homestead (owner-occupied) millage is roughly 42 mills in both Bruce and Washington townships, with non-homestead rates near 60 mills. Michigan taxes you on taxable value (about half of market value), and that value resets toward market price when you buy, so budget for a higher bill than the prior owner paid.
Which school district serves Romeo 48065?
Romeo Community Schools serves the area, with about 5,200 students across seven schools including Romeo High School. The district covers Romeo plus portions of Bruce, Washington, Ray, Armada and Leonard, so confirm the exact attendance boundary for any specific address before you buy.
How long is the commute from Romeo to downtown Detroit?
Downtown Detroit is about 42 miles away, typically a 45-60 minute drive via M-53 (Van Dyke) connecting to I-696 and I-75, roughly 43 minutes in light traffic and longer during rush hour. Romeo suits buyers who want a small-town, semi-rural feel while staying within reach of metro Detroit’s auto and tech employers.
What makes Romeo distinct compared to other Macomb County towns?
Romeo is a historic 1830s village known for its Victorian downtown, the Labor Day Romeo Peach Festival (running since 1931 to support local orchards), and the nationally known “Terror on Tillson” Halloween displays that draw tens of thousands each October. It’s anchored by Ford’s Michigan Proving Grounds and surrounding orchards, giving it a rare mix of small-town character, agriculture and auto-industry roots, a draw for buyers wanting more land and historic charm than the denser southern Macomb suburbs offer.
Talk with a local mortgage expert
Tell Samantha what you are trying to do in Romeo and she will tell you what actually matters for your situation, including whether the timing is right.
- 1
Tell us what you are trying to do
Not what product you want. What you are actually trying to accomplish.
- 2
We look at your situation
A licensed Align loan officer works out what matters most for you specifically.
- 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.
