Schools
Schools span five districts, Avondale covers most of the city (Auburn Elementary, R.
Oakland County, Michigan
Mortgage Lender in Auburn Hills, MI
Local mortgage guidance for Auburn Hills buyers and homeowners, with options shopped across multiple wholesale lenders and one Michigan broker who stays with your file.
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Buying a home in Auburn Hills
Auburn Hills punches far above its ~24,360 residents because it's an Oakland County jobs engine, not just a bedroom suburb. The 504-acre Stellantis (Chrysler) World Headquarters & Technology Center anchors a thick belt of automotive suppliers, BorgWarner, Continental, U.S. Farathane, while Oakland University and Great Lakes Crossing Outlets swell the daytime population well past its residential base. That employment density keeps housing demand steady. Per Census/Data USA, the median household income runs about $84,375, and World Population Review projects the city near 26,280 by 2026. For buyers, this means a market shaped by stable, white-collar and engineering paychecks plus an easy I-75 line south toward Detroit.
By the numbers
Auburn Hills housing and mortgage snapshot
Values move. Treat these as orientation and let us pull current figures for the address you are considering.
$253,000
Typical home value, from the market research on this page
+41%
Typical rise in taxable value the year after a home sells, 2026 Uncapping Study
1.24%
Effective property tax rate, as a share of value
1
Residential ZIP code: 48326
What financing looks like in Auburn Hills
To reach the ~$277K median with 10-20% down at prevailing rates, plan on about $1,800-$2,000 in monthly PITI, and income around $78,000-$90,000 under standard 28% front-end guidelines. That puts the local median income (~$84,375) squarely in range. Property taxes here carry an effective rate near 1.24% (median bill ~$2,645 per Ownwell), but millage shifts across the city's five school districts, and Michigan resets taxable value at sale. First-time buyers should stack MSHDA's MI Home Loan ($7,500-$10,000 down-payment assistance) with Oakland County's $5,000 grant. Most 48326 purchases sit well under conforming limits, so conventional and FHA loans dominate, jumbo financing only enters for upper-tier Fieldstone or Shimmons Woodgrove homes.
Nearly every Auburn Hills purchase fits well under the 2026 conforming limit of $832,750, so loan size is rarely the constraint.
The market
The Auburn Hills housing market
Redfin pegged the median sale price around $277,000 in late 2025, up roughly 3.6% year over year, while Zillow's typical-value index for the 48326 ZIP sits closer to $253,000, a gap that reflects sale-price versus index methodology (Movoto's list-price read was softer near $295K). Homes move fast: median time on market was about 25 days, down roughly 12% from a year earlier, and well-priced listings often go pending in about six days. Demand is driven by the Stellantis/Oakland University job cluster, the I-75 commute, and the city's five-district school footprint. Zillow projects only modest ~1.5% appreciation over the next year, so pricing discipline matters.
Schools and commute
Commute
Downtown Detroit is ~31-34 miles via I-75 S, roughly 35-40 minutes off-peak.
Michigan property taxes
Auburn Hills 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 Auburn Hills, our 2026 Uncapping Study found taxable value typically rises about 41% the year after a sale: roughly $1,530 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 Auburn Hills records yourself
The official offices behind the tax and school details on this page.
- City of Auburn Hills Assessing Department, for parcel records and current taxable value
- Avondale School District, for district boundaries and enrollment
- Oakland County Treasurer, property taxes, for county property tax records
What our clients say
★★★★★
Travis and the team at Align Lending are hands down the best mortgage option for anyone looking to buy or refinance. Travis spent as much time as it took to be sure I was in the best spot to buy a house and stuck with me through it all. I am so proud of my home and none of it would have been possible without Travis.
★★★★★
Very professional and knowledgeable, highly recommend for your lending needs!
★★★★★
Can’t say enough great things about Samantha and her team at Align Lending! Highly recommend
★★★★★
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!
Individual experiences. Results vary.
Auburn Hills mortgage questions
If yours is not here, ask it on the call. There are no dumb questions.
What's the typical home price in Auburn Hills, MI 48326?
As of late 2025, the median sale price in Auburn Hills was around $277,000 (up about 3.6% year over year), with Zillow’s typical-value index for the 48326 ZIP closer to $253,000. Most single-family homes and townhome-style condos close in the mid-$200s to low-$300s, though established subdivisions can run higher.
How fast do homes sell in Auburn Hills?
Quickly. The median time on market was about 25 days in late 2025 (down roughly 12% from the prior year), and well-priced homes in 48326 often go pending in about a week, so buyers should be ready to act and get pre-approved before touring.
What are property taxes like in Auburn Hills?
The effective property tax rate is around 1.24%, with a median annual bill near $2,645. Exact millage depends on which of the city’s five school districts you’re in (for example, the Pontiac district ran roughly 32 homestead mills). Keep in mind Michigan resets a property’s taxable value at sale, so a new buyer’s bill can differ from the prior owner’s.
What income do I need to buy a median-priced home here?
Plan on roughly $78,000-$90,000 a year. On a ~$277,000 home with 10-20% down at current rates, monthly principal, interest, taxes and insurance run about $1,800-$2,000, which fits a household earning in that range under standard debt-to-income guidelines. Auburn Hills’ median household income (~$84,375) sits right in that band.
Are there first-time buyer programs that work in 48326?
Yes. MSHDA’s MI Home Loan pairs with up to $7,500 (MI DPA) or $10,000 (MI 10K DPA) in zero-interest down-payment assistance, and Oakland County offers a $5,000 grant for income-eligible first-time buyers (at or below 120% of area median income, with a homebuyer-education requirement). These can be layered with the right first mortgage.
Which neighborhoods should I look at in Auburn Hills?
Shimmons Woodgrove offers larger 1990s-2000s colonials ($380K-$500K+), Bloomfield Orchards and the Bald Mountain/Squirrel Rd area sit closer to the mid-$200s to $400K, Heritage in the Hills is a gated active-adult community, and homes near Fieldstone Golf Club trend more upscale. Your budget and whether you want new-build, established, or 55+ living will steer the choice.
Communities near Auburn Hills
Oakland County overviewTalk with a local mortgage expert
Tell Samantha what you are trying to do in Auburn Hills 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.
