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Oakland County, Michigan

Mortgage Broker in Bloomfield Township, MI

Buying or refinancing in Bloomfield Township? We shop your loan across multiple wholesale lenders and build the payment from the parcel's own taxing unit and school district, not from the Bloomfield Hills mailing address.

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Buying a home in Bloomfield Township

Bloomfield Township is a charter township in Oakland County about 20 miles northwest of downtown Detroit, home to about 44,400 residents in the Census Bureau's 2024 estimate. Established in 1827, Bloomfield Township is the oldest township in Oakland County, and the cities of Bloomfield Hills and Birmingham sit inside its original boundaries. Many homes carry a Bloomfield Hills or Birmingham mailing address, so check whether a home is in Bloomfield Township or one of the cities before you budget for taxes. The median household income in Bloomfield Township is near $162,800.

By the numbers

Bloomfield Township housing and mortgage snapshot

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

$605,000

Typical home value, from the market research on this page

+31%

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

1.31%

Property tax current owners pay, as a share of value. A buyer's bill can reset higher the year after a sale

3

Residential ZIP codes: 48301, 48302, 48304

What financing looks like in Bloomfield Township

Redfin's figures for the three months to September 2026 put the median sale near $785,000 in both 48301 and 48302, and near $500,000 in 48304, where townhomes and condos are a bigger share of the homes. Those medians sit below the 2026 conforming limit of $832,750, so a home bought at the median stays within the conforming size limit however much you put down. A jumbo loan comes into it only when the amount you borrow is above the limit, which happens mostly in Bloomfield Village, where Redfin's median sale was about $1,175,000, and around the northwest lakes, where owners' median estimate in the Census tract is $1,038,000. Jumbo files ask for more: deeper reserves, fuller income documentation and a careful appraisal, so we line that up before you start touring.

FHA's 2026 one-unit limit in Oakland County is $541,287. That reaches much of the townhome and condo market north of Square Lake Road and toward I-75, where Census owner estimates run near $374,000 to $403,000, but the complex itself has to meet FHA's condo rules, so we check the project before you write an offer. VA financing is open to eligible veterans and service members. MSHDA's MI Home Loan carries a sales price limit of $566,355 and income limits, and its MI 10K adds $10,000 toward the down payment as a loan repaid when you sell, refinance or pay off the mortgage, or stop living in the home. Here that pairing is most likely to fit the condos and smaller homes north of Square Lake Road. About half the township's homes went up in the 1950s and 1960s, and if the one you want needs a kitchen, windows or a furnace, a renovation loan can put that work into the mortgage.

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Here the mailing address says Bloomfield Hills, but the parcel decides the city, the school district and the millage, so we price your payment from the parcel.

The market

The Bloomfield Township housing market

The typical home value in Bloomfield Township is near $604,800, the median for owner-occupied homes in the Census Bureau's American Community Survey, which counts about 15,100 owner-occupied homes here. Much of the township was built out in the decades after World War II, with a median year built of 1968, so established colonials, ranches and larger estate homes on wooded lots are common, and some lots sit on the township's lakes. Homeowners pay a median of about $7,900 a year in property taxes, an effective property tax rate of about 1.31% of the median value.

By ZIP code

Bloomfield Township by ZIP code

Three ZIP codes cover nearly all of the township, and all three read Bloomfield Hills on the mail. They line up with the map very differently. Sale medians are Redfin's for the three months to September 2026; the rest is the Census Bureau's 2020 to 2024 survey and its ZIP code areas.

ZIP 48301, near $785,000

The south of the township, about 29% of its area: Bloomfield Village, Oakland Hills, Wing Lake and the west side out to Inkster Road, and practically all of the ZIP is township land. Older on the whole, with a typical home from 1962 and about 86% detached houses; owners' median estimate is $708,300. Homes went under contract in about 16 days, against 20 a year earlier.

ZIP 48302, near $787,000

About 45% of the township's area: the middle and the northwest, from Lone Pine Road up through the lakes and across Square Lake Road, plus a strip of West Bloomfield Township. Typical home from 1972, owners' median estimate $661,900. Redfin's median was up about 23% on a year earlier, with homes going under contract in about 21 days.

ZIP 48304, near $500,000

The east side, about 24% of the township's area, from Charing Cross to the northeast corner by I-75. The same ZIP covers much of the City of Bloomfield Hills: about 55% of its land is township and 44% city, so the sale figure mixes the two. About 15% of homes are attached townhomes or condos, and owners' median estimate is $494,600.

Where to look

Bloomfield Township neighborhoods

Bloomfield Village

Between Quarton and Maple roads, from Lahser Road east to the Glenhurst and Westwood line beside Birmingham, with a non-governmental village association that adds its own services to the township's. Birmingham Public Schools. In its Census tract, which reaches south to 14 Mile Road, every home counted is a detached house, about 70% were built before 1960 and owners' median estimate is $865,400. Redfin's median sale in the Village was about $1,175,000 for the three months to September 2026.

Charing Cross, east of Woodward

Around Charing Cross and Kensington roads east of Woodward Avenue, toward Adams Road and the Troy line, at a crossroads that once had a railroad station. Birmingham Public Schools on most of it, Bloomfield Hills Schools toward Long Lake Road. Nearly every home in its Census tract is a detached house, typically from 1963, and owners' median estimate is $629,800. The Rouge River runs through this side of the township, and about 6% of the tract's land is in FEMA's high-risk flood zone.

Wing Lake

Around Wing Lake and Chalmers Lake between Franklin and Telegraph roads, from 14 Mile Road north to Lone Pine, along Wing Lake Road, one of the township's two designated Natural Beauty Roads. Bloomfield Hills Schools, whose district offices are on Wing Lake Road. About two homes in three in the Census tract date from the 1950s and 1960s, the typical one from 1965, and owners' median estimate is $577,300.

Oakland Hills and Gilbert Lake

Between Telegraph and Lahser roads from 14 Mile Road north to Lone Pine, around Oakland Hills Country Club on Maple Road, host of six U.S. Opens and the 2004 Ryder Cup, and Gilbert Lake, which has had a lake board since 2007. Mostly Bloomfield Hills Schools; the corner near Lahser and 14 Mile is Birmingham Public Schools. In the Census tract the typical home dates to 1967, about a quarter of homes are in buildings with two or more units, and owners' median estimate is $791,100.

Meadow Lake and Kirkwood Lake

The west edge, between Inkster and Franklin roads from 14 Mile Road north to Lone Pine, with West Bloomfield Township across Inkster. Mostly Birmingham Public Schools, with Bloomfield Hills Schools on the Franklin Road side. Nearly every home in its Census tract is a detached house, typically from 1969, and owners' median estimate is $617,200; the Franklin Branch of the Rouge crosses the southwest corner.

The northwest lakes

Between Long Lake and Square Lake roads from Telegraph Road west to the West Bloomfield line, around Upper Long, Lower Long, Wabeek, Forest, Island and Turtle lakes, five of them with lake boards. In its Census tract owners' median estimate is $1,038,000, the typical home dates to 1984 and almost every home is owner-occupied. Bloomfield Hills Schools around Wabeek, Forest, Island and Lower Long lakes; Pontiac schools around Turtle Lake and part of the Upper Long Lake shore.

North of Square Lake Road

The strip between Square Lake Road and the Pontiac line, from the Orchard Lake Road corner east to Woodward, taking in Square Lake and the Telegraph Road corridor of offices and stores. Pontiac schools on the west side, Bloomfield Hills Schools toward Woodward, including South Bloomfield Highlands. In the Census tract owners' median estimate is $374,300 and the typical home dates to 1969; about a third of homes are in buildings with two or more units, and about a quarter of households rent.

Northeast corner by I-75

North of Square Lake Road between Opdyke and Adams roads, where I-75 crosses the corner and Oak Grove sits on South Boulevard at the Auburn Hills line. A mix of housing: in its Census tract about 30% of homes are attached townhomes or condos and another quarter are in buildings with two or more units, typically from 1976, with owners' median estimate at $403,200. Bloomfield Hills Schools on most of it; the north edge around Squirrel Road is Avondale School District.

Lakefront

Eight lakes with their own lake boards

The township has eight lake improvement boards, set up under Michigan's inland lake law, each with members from the township, the county, the county water resources office and a lakefront owner. They run weed control and water quality work and pay for it with special assessments on the parcels in each district, which state law lets a board spread over as many as 30 yearly installments. Years formed and next assessment hearings are the township's.

Upper Long Lake, since 1984

The northwest corner; next hearing 2028. The shore splits three ways: Bloomfield Hills or Pontiac schools on the township side, and part of the lake in West Bloomfield Township.

Lower Long Lake, since 1985

North of Long Lake Road, west of Telegraph; next hearing 2029. Bloomfield Hills Schools all around.

Island Lake, since 1983

Beside Lower Long Lake; next hearing 2029. One property owners' association covers Island, Lower Long and Forest lakes. Bloomfield Hills Schools.

Forest Lake, since 1986

North of Island Lake toward Square Lake Road; next hearing 2028. Bloomfield Hills Schools.

Wabeek Lake, since 1989

West of Franklin Road, south of Upper Long Lake; next hearing 2028. Bloomfield Hills Schools.

Orange Lake, since 2003

North of Long Lake Road between Telegraph and Lahser; next hearing 2029. Bloomfield Hills Schools.

Gilbert Lake, since 2007

By Quarton Road between Telegraph and Lahser; next hearing 2028. Bloomfield Hills Schools.

Meadow Lake, since 1986

South of Maple Road between Franklin and Inkster; next hearing 2029. Birmingham Public Schools.

Schools and commute

Schools

Four public districts serve the township. By the Census Bureau's district boundaries about 64% of its area is in Bloomfield Hills Schools, whose one comprehensive high school, Bloomfield Hills High School, is in the township; about 26% is in Birmingham Public Schools, 8% in the School District of the City of Pontiac and 3% in the Avondale School District. Birmingham covers Bloomfield Village and the land around the City of Birmingham, the Charing Cross side of Woodward and much of the west side along Inkster Road; Pontiac covers the northwest corner around Turtle and Square lakes; Avondale covers the northeast corner by Squirrel Road. The township posts a school district map but asks buyers to confirm any address with the district, and the district on the parcel also sets the school share of your millage.

Commute

Telegraph Road (US-24) runs the length of the township north to south, Woodward Avenue (M-1) cuts across the east side, and I-75 crosses the northeast corner between Square Lake Road and South Boulevard; Square Lake, Long Lake, Quarton, Maple and 14 Mile roads carry most trips east and west. From Township Hall on Telegraph, the city halls of Troy and Southfield are each about 8 to 9 miles, around 15 minutes without traffic; downtown Birmingham is about 5 miles, downtown Detroit about 25 miles, roughly 35 to 40 minutes, and Detroit Metro Airport about 28 miles. Oakland County's employer ranking, built from Crain's data, puts Corewell Health, based in Southfield, first and Stellantis second, and Stellantis's Auburn Hills headquarters is about 9 miles north of Township Hall. The township calls itself 95% residential, and residents average about 24 minutes to work, with about 27% of workers working from home (Census Reporter).

Michigan property taxes

Bloomfield Township 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 Bloomfield Township, our 2026 Uncapping Study found taxable value typically rises about 31% the year after a sale. On a $600,000 home, near the typical Bloomfield Township value, that is roughly $2,630 more in first-year tax at the local median homestead millage. We build your payment on that post-sale number.

Looking at a Bloomfield Township address? Our Michigan property tax calculator finds that property's published 2025 millage and works out the tax to plan for after you buy.

How Michigan taxable value works

In Samantha's words

In Michigan, don't just look at the current tax bill. Understand what could happen after ownership changes.

Know your district

Four school districts, two tax levels

Michigan Treasury's 2025 total homestead millage in Bloomfield Township, by school district. A mill is $1 for every $1,000 of taxable value, and each total includes the township, county and school levies. Shares of area come from the Census Bureau's district map.

Bloomfield Hills Schools: 36.59 mills

About 64% of the township's area, from Wing Lake and Oakland Hills to the lakes and the northeast.

Birmingham Public Schools: 37.19 mills

About 26%: Bloomfield Village, the land around Birmingham, Charing Cross and much of the west side. On $100,000 of taxable value, roughly $60 a year above Bloomfield Hills Schools.

Avondale School District: 36.87 mills

About 3%, the northeast corner around Squirrel Road and South Boulevard.

Pontiac schools: 31.56 mills

About 8%, the northwest corner from Turtle and Square lakes to the Telegraph corridor north of Square Lake Road. On $100,000 of taxable value, roughly $500 a year below Bloomfield Hills Schools.

Next door

One mailing city, three taxing units

The township and the cities of Bloomfield Hills and Birmingham share mailing names and ZIP codes at their edges, but each sets its own rates, and each sees a different jump in taxable value after a sale. The jump is the typical first-year rise from our 2026 Uncapping Study; millage is Treasury's 2025 homestead total.

Bloomfield Township: about 31%

36.59 to 37.19 mills across most of the township, 31.56 in the Pontiac schools corner.

City of Bloomfield Hills: about 21%

35.40 mills with Bloomfield Hills Schools, 36.00 with Birmingham. The city lies inside the township's original boundaries and shares the 48304 ZIP code.

Bloomfield Hills mortgage guide

City of Birmingham: about 26%

38.14 mills, with one school district. Its 48009 ZIP code reaches only a small piece of the township, by 14 Mile Road.

Birmingham mortgage guide

Local resources

Check Bloomfield Township records yourself

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

Before you write an offer

Bloomfield Township checks worth making early

Each of these is easier to sort out while you can still adjust the offer.

  • The taxing unit and the district. A Bloomfield Hills address can be the township or the city, and a 48302 address can be West Bloomfield Township. The township's school district map is a starting point, and the district office confirms the address.
  • Lake board and other special assessments. On the eight lake board lakes, and in neighborhoods that paid for water, sewer or road paving through a special assessment district, installments ride on the tax bill. The township's lake board page lists each board and its next hearing.
  • The flood map. About 3% of the township's land is in FEMA's high-risk flood zone, much of it along the northwest lakeshores and the Rouge River on the east side, and most mortgages there require flood insurance. Look the address up on FEMA's Flood Map Service Center.
  • Well water. If the listing says well, ask for a recent water test. The township bills well homes as sewer-only customers and offers them a sewer-only meter.
  • Trees on a rebuild. Taking down protected trees on a lot under construction needs a permit under the township's Tree Preservation Ordinance, with replacement planting, so price it into a teardown plan.
  • Which bill comes when. Summer bills here are mostly school taxes, and the township collects its own millage on the winter bill, which matters for the tax proration at closing and for your first escrow deposit.
  • Help after you buy. The township's Special Assessment Deferment Program lets qualifying households with income up to $150,000 defer road and water or sewer assessments, and Oakland County's Home Improvement Program offers income-qualified owners repair loans of up to $23,000.

What our clients say

5.0 on Google across 128 reviews

★★★★★
Samantha Shelton is amazing!! She helped me get into my first home in Ferndale. The closing process was easy I was able to take care of everything without taking a day off of work. Being a first time homebuyer was stressful but she provided clear communication and true experience guidance throughout the entire process
Jeffery HolleyFebruary 2026
★★★★★
Can’t say enough great things about Samantha and her team at Align Lending! Highly recommend
Justin BartonJune 2024
★★★★★
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
★★★★★
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
Read all reviews on Google

Individual experiences. Results vary.

Bloomfield Township mortgage questions

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

Is a Bloomfield Hills address in Bloomfield Township?

Often it is. The Postal Service uses Bloomfield Hills as the default city name for 48301, 48302 and 48304 and accepts Bloomfield Township as well, while the City of Bloomfield Hills is a separate city with its own millage. By the Census Bureau’s ZIP code areas, 48301 lies almost entirely in the township, 48302 is about 94% township with a strip of West Bloomfield Township, and 48304 is split, about 55% township and 44% city. So before I build anyone’s payment, I look up the taxing unit on the parcel record, because the ZIP code does not tell you.

The parcel decides. About 64% of the township’s area is in Bloomfield Hills Schools, 26% in Birmingham Public Schools, 8% in the Pontiac district and 3% in Avondale. It moves the bill too: Michigan Treasury’s 2025 homestead totals in the township were 36.59 mills with Bloomfield Hills schools, 37.19 with Birmingham, 36.87 with Avondale and 31.56 with Pontiac. The Pontiac part, in the northwest corner, comes out about $500 lower each year on $100,000 of taxable value.

Redfin’s three months to September 2026 put the median sale near $785,000 in 48301 and near $787,000 in 48302, and about $500,000 in 48304; Bloomfield Village on its own was about $1,175,000. Homes sold for about 98% of list price on average and typically went under contract in 16 to 25 days, depending on the ZIP code. The $604,800 you may see quoted comes from the Census Bureau’s 2020 to 2024 survey, where owners value their own homes, so it lags real sales, and Redfin’s 48304 figure takes in much of the City of Bloomfield Hills.

Only when the loan itself is over the 2026 conforming limit of $832,750; a high price alone does not make it jumbo. The median sale in 48301 and 48302, about $785,000, is itself below that limit, so a purchase at that price stays conforming whatever you put down. Jumbo comes up mainly in Bloomfield Village, where Redfin’s median sale was about $1,175,000, and around the northwest lakes, where owners’ estimates run past $1,000,000. A jumbo file asks for more reserves and fuller documentation, so I like to start that early.

Three things. Eight lakes here have lake improvement boards (Forest, Gilbert, Island, Lower Long, Meadow, Orange, Upper Long and Wabeek), and their weed control and water quality work is paid by special assessments on the parcels in each district, with the next assessment hearings set for 2028 and 2029. Second, check the flood map: about 3% of the township’s land is in FEMA’s high-risk zone, and in the tract around the northwest lakes it is about 9%. Third, the school district can change on the same lake: the Upper Long Lake shore is split between Bloomfield Hills and Pontiac schools, and part of it is in West Bloomfield Township.

Some are. The township bills a group of homes as sewer-only customers because they draw water from a private well, and in South Bloomfield Highlands, north of Square Lake Road by Woodward, about 209 homes replaced a community well system with a township water main, paid for through a special assessment roll of about $25,100 per parcel. Under the township’s policy, an owner who pays a water or sewer assessment over time sees an installment on each winter tax bill for 10 to 20 years, depending on the amount. Ask the seller and the title company about any open assessment before you write the offer, and on a well home, test the water.

Many owners do. In 2024 the township’s building division issued 46 permits for new homes, 32 for complete home demolitions and 391 for residential additions and alterations. On a lot under construction, taking down a protected tree, 8 inches or more across at chest height, needs a tree permit and replacement planting. For the tax side, the assessor’s rule of thumb is to add half the project’s cost to taxable value and multiply by your millage. Financing a rebuild or a big addition is its own conversation, so call me before you sign with a builder.

Two forms. Michigan law gives you 45 days to file a Property Transfer Affidavit with the township assessor, and a late one can draw a penalty of up to $200. Then file your Principal Residence Exemption: in by June 1 and it can start with the summer bill, in by November 1 and it can start with the winter bill. Without it the home is taxed at the non-homestead rate, which in the Bloomfield Hills Schools part of the township was 50.21 mills in 2025 instead of 36.59.

Communities near Bloomfield Township

Oakland County overview

Guides for Bloomfield Township buyers

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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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