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Genesee County, Michigan

Mortgage Broker in Burton, MI

Local mortgage guidance for Burton buyers and homeowners, with options shopped across multiple wholesale lenders and one Michigan broker who stays with your file.

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  • Licensed broker, NMLS 1647301
  • 5.0 on Google, 128 reviews

Buying a home in Burton

Burton is a working-class Genesee County city of roughly 29,300 people (World Population Review) on Flint's east and southeast edge. Settled in 1835 and incorporated in 1972, it grew up alongside Flint's auto economy and still leans on General Motors and its supplier network, with McLaren Flint, Hurley Medical Center and the retail strips along Court Street and Center Road filling out the job picture. Bishop International Airport sits just west, and the I-69, I-475 and US-23 crossroads keep commutes short. Median household income runs about $60,052.

The housing is mostly single-family, with plenty of two-to-four-bedroom ranches and traditionals, and the 383-acre For-Mar Nature Preserve & Arboretum gives the city seven miles of trails along Kearsley Creek. Prices stay attainable everywhere. Burton's citywide median sale price was about $162,450 in March 2026 (Redfin), with typical homes near $150,000 in the south and southwest 48529 and roughly $150,000 to $165,000 on the east side in 48509, while the Atherton Road side in 48519 runs higher, around $190,000 to $201,600. Most listings sell in about 31 to 44 days, so well-priced homes do not linger.

By the numbers

Burton housing and mortgage snapshot

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

$165,000

Typical home value, from the market research on this page

+57%

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

1.19%

Effective property tax rate, as a share of value

3

Residential ZIP codes: 48509, 48519, 48529

What financing looks like in Burton

At a ~$155,000 median, a household earning roughly $45,000-$52,000 a year can typically qualify with about 10% down, since estimated principal, interest, taxes and insurance land near $1,100-$1,200 per month (an estimate, not a quote). With 48509's ~$64,000 median income, the median home is comfortably within reach for local buyers. Property taxes deserve attention: Burton's effective rate runs about 1.19%, but 48509 carries one of the city's higher bills (median near $1,700) because total millage depends on which of Burton's seven school districts a parcel falls in. First-time buyers should explore MSHDA down-payment assistance. At this price point everything is conforming, jumbo financing is essentially irrelevant here, so FHA, VA and Conventional loans do the heavy lifting.

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

Sub-markets

Burton housing market by ZIP code

Burton spans 3 residential ZIP codes, and they are different sub-markets.

ZIP 48509, near $165,000

Homes in 48509 stay attainable. Redfin put Burton's median sale price near $165,000 in early 2026, up about 4.2% year over year, while Zillow pegs the average home value closer to $135,600 and city-data lists a ZIP median house value around $149,000, call it a $150,000-$165,000 working range. Demand is driven by affordability (well under Michigan's ~$254,000 median), single-family stock, and airport/corridor jobs. Listings move quickly: roughly 37-44 days on market, down sharply from about 75 days a year earlier and faster than the national ~58-day pace. Well-priced homes do not linger. Named areas: Belsay, Lapeer Heights, Burton Estates.

ZIP 48519, near $190,000

The typical 48519 home sits around $190,000-$200,000, with the ZIP's median sale price reported near $201,600, slightly above the citywide Burton median, which ran closer to $165K in early 2026. Prices climbed roughly 4.2% year-over-year, modest single-digit growth backed by steady demand from local buyers and GM-area workers. Homes are moving faster too: about 44 days on market, down sharply from roughly 75 days a year earlier, so well-priced listings don't linger. Affordability relative to income, proximity to Flint jobs, and easy I-69/I-475 access drive the demand here. Named areas: Atherton (south Burton, 48519 core), The Orchards (Allen Edwin new construction), Bramblewood / E. Atherton Rd corridor.

ZIP 48529, near $150,000

Homes in ZIP 48529 typically sell around $150,000, a notch below Burton's citywide median sale price of about $162,450 in March 2026 (Redfin). Year-over-year appreciation has run solid single-to-low-double digits, with Redfin showing the city up 15.3% in March and 4.2% in February 2026. The 48529 side has cooled and normalized: homes now average roughly 31 days on market, up from about 21 a year earlier, giving buyers a bit more breathing room. Demand here is driven by affordability, south-side Burton holds many move-in-ready 2-to-4-bedroom ranches and traditionals in the $110,000-$170,000 band, drawing first-time buyers and Flint-area workers who want a short commute. Named areas: Burton Southwest, Burton West, Webber Place.

Where to look

Burton neighborhoods

Belsay

(~$120,000 to $220,000): established neighborhood near I-69 on the east/northeast side, squarely within 48509.

Lapeer Heights

(~$110,000 to $220,000): one of Burton's two historic named neighborhoods, on the northeast side.

Burton Estates

(~$180,000-$190,000, ~$131/sq ft): newer subdivision among the higher-priced developments in the city.

Whisper Ridge

(~$200,000-$280,000): well-maintained newer construction with cul-de-sac lots.

Walnut Brook Estates

(~$180,000-$260,000): cited among Burton's most desirable subdivisions.

Atherton (south Burton, 48519 core)

~$120K-$250K. The heart of the ZIP along Atherton Rd, served by Atherton Community Schools; mostly mid-century single-family homes.

The Orchards (Allen Edwin new construction)

~$315K-$335K. The premium new-build community in 48519, modern 4-bed open-concept homes inside the Atherton district.

Bramblewood / E. Atherton Rd corridor

~$130K-$210K. Modest single-family streets typical of the 48519 housing stock.

Burton Southwest

(~$110,000-$160,000): mostly 2-4 bedroom single-family homes and small apartments, one of the cheapest parts of the city.

Burton West

(~$120,000-$170,000): small-to-medium single-family homes plus apartment complexes, hugging the Flint border.

Webber Place

(~$130,000-$190,000): suburban-layout subdivision with quarter-acre lots, closer to Flint.

City Gardens / Spring Gardens

(~$110,000-$165,000): established pockets mixing ranch-style and newer traditional homes.

Schools and commute

Schools

ZIP 48509 is served primarily by Bentley Community Schools, Barhitte Elementary and Bentley Junior/Senior High sit on N Belsay Rd inside the ZIP, with Kearsley, Atherton and Davison districts serving nearby pockets. School-wise, Atherton Community Schools is primary for much of the ZIP, with Kearsley, Bendle, Bentley, Grand Blanc, and Davison serving parts depending on address. ZIP 48529 covers Burton's most affordable pockets, each with its own feel: Most of 48529 is served by Bendle Public Schools (headquartered on Columbine Ave) and Atherton Community Schools, both small districts lying entirely within Burton.

Commute

Most residents work within Genesee County (a ~30-minute average commute); downtown Detroit is about 67 miles, roughly 75-85 minutes south via I-75.

Michigan property taxes

Burton 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 Burton, our 2026 Uncapping Study found taxable value typically rises about 57% the year after a sale: roughly $2,420 more in first-year tax on a $300,000 home at the local homestead millage. We build your payment on that post-sale number.

How Michigan taxable value works

In Samantha's words

I'd much rather somebody ask me, "Why are your taxes higher than what I'm seeing online?" than have them build a housing budget around the wrong assumption.

Local resources

Check Burton 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

★★★★★
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 Holley`February 2026
★★★★★
If I could recommend Sam a million times I would. She made the process of buying our first home effortless. I’m grateful to have had her as our broker and even recommended a wonderful realtor as well!
Kayla PJuly 2025
★★★★★
Samantha is a rockstar! She provided expert help and guided me through the loan process in terms that were easy to understand and made the whole experience painless!
Benjamin ShaferJune 2025
★★★★★
Kevin was great! Very helpful, knowledgeable and communicative throughout my refinance.
Sarah DJune 2025
★★★★★
Taylor is the best. She's so sweet and has great rates. If you need a skilled loan officer, she's the one to talk to.
Ben DavisFebruary 2025
★★★★★
Everyone at Align knows what they’re doing. Ryan took the time to answer every question I had, and overall made the process as a first time home buyer stress-free.
Mark KOctober 2024
Read all reviews on Google

Individual experiences. Results vary.

Burton mortgage questions

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

How much does a home cost in Burton, MI 48509?

The typical home in 48509 runs about $150,000-$165,000. Zillow pegs Burton’s average home value near $135,600, while Redfin reported a median sale price of about $165,000 in early 2026, up roughly 4.2% year over year. It remains one of the most affordable markets in Genesee County and well below Michigan’s ~$254,000 median home value.

The typical home in the 48519 ZIP runs roughly $190,000-$200,000 as of 2026, with the ZIP’s median sale price reported near $201,600, slightly above the citywide Burton median. You’ll find established three-bedroom homes from the $120Ks-$200Ks and new construction in communities like The Orchards in the $315K-$335K range.

Yes. With a typical home near $150,000 and a local median household income around $60,000, a Burton household earning roughly $50,000-$55,000 can usually qualify for the median home (about $1,150-$1,250/month in principal, interest, taxes and insurance with ~10% down). That affordability makes 48529 attractive for first-time buyers and FHA borrowers.

Homes in 48529 are averaging about 31 days on market in 2026, up from roughly 21 days a year earlier, so the market has cooled slightly and given buyers a bit more breathing room, though well-priced homes still move quickly.

Burton’s median effective property tax rate is around 1.19%. Within the city, 48509 tends to carry one of the higher tax bills (a median near $1,700) because total millage depends on which of Burton’s seven school districts you live in. Always confirm the exact millage for a specific parcel before you buy.

ZIP 48509 is primarily served by Bentley Community Schools, Barhitte Elementary and Bentley Junior/Senior High are all located in the ZIP on N Belsay Rd. Parts of northeast Burton also fall into Kearsley Community Schools, with Atherton and Davison districts serving nearby areas. Check the address against the district map before enrolling.

Burton works best as a Flint suburb, downtown Flint and Bishop International Airport are only about 10 minutes away. Downtown Detroit is a longer haul at roughly 67-72 miles and about 75-85 minutes via I-75, so most Burton residents work in the Flint/Genesee County area rather than commuting daily to Detroit.

Communities near Burton

Genesee County overview

Guides for Burton buyers

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Loan options

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Talk with a local mortgage expert

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

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  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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