Align Lending

Kent County, Michigan

Mortgage Broker in Byron Township, MI

Byron Township buyers often weigh a new build against a resale home. Samantha compares quotes from multiple wholesale lenders on both, and builds the tax figure from the parcel rather than the builder's sheet.

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Buying a home in Byron Township

Byron Township is a Kent County township just southwest of Grand Rapids, home to about 28,400 residents in the Census Bureau's 2024 estimate, up from about 20,300 in 2010. Most of Byron Township uses the Byron Center 49315 ZIP code, and the grocery distributor SpartanNash, part of C&S Wholesale Grocers since September 2025, has its offices in the township. The median household income in Byron Township is near $91,500.

By the numbers

Byron Township housing and mortgage snapshot

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

$340,000

Typical home value, from the market research on this page

+36%

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

1.11%

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

4

Residential ZIP codes: 49315, 49348, 49418, 49548

What financing looks like in Byron Township

Byron Center's 49315 ZIP code had a median sale near $520,000 in Redfin's figures for the three months ending September 2026, about 1% higher than a year earlier. Homes there spent about 9 days on the market on average, against 21 a year before. The township assessor's own 2026 study, which lists 713 valid home sales from April 2023 through March 2025, puts the median near $425,000, with new or nearly new homes near $515,000 and older ones near $371,000. Nearly every sale in that study came in below $832,750, the 2026 ceiling for a conforming loan, so conventional financing is where most buyers of a new build here start. For FHA, Kent County's ceiling is $541,287 in 2026, which covers the condo market and much of the resale stock, and eligible veterans can use VA.

A new build raises two questions a resale purchase does not. The first is the builder's incentive, which is often tied to the builder's preferred lender: get its value in writing and set it beside an outside Loan Estimate on the same house. The second is the tax escrow. Michigan assesses property as it stood on December 31, so a house finished after that date can carry a first bill for little more than the lot, and an escrow account sized to that bill comes up short once the finished home is assessed. New construction is added to taxable value at half of its true cash value, and we size your payment from that figure, not from the first bill. MSHDA's MI 10K, paired with a MI Home Loan, adds $10,000 of down payment help for buyers within its income limits, and the loan's $566,355 price cap sits below the median sale in Railside and Planters Ridge.

Byron Center's ZIP code spans five townships in three counties, and only about six in ten of its acres lie in Byron Township.

The market

The Byron Township housing market

The typical home value in Byron Township is near $339,700, the median for owner-occupied homes in the Census Bureau's American Community Survey, which counts about 8,600 owner-occupied homes here. With a median year built of 1998, Byron Township's housing is mostly newer subdivisions of colonials and ranches. Homeowners pay a median of about $3,770 a year in property taxes, an effective property tax rate of about 1.11% of the median value.

Assessor sales

Where Byron Township homes sold, by area

The township assessor's 2026 study lists 713 valid home sales from April 2023 through March 2025. We placed each sale in its Census tract by its address, or by its survey section where the address would not match. Figures are medians of the assessor's adjusted sale prices.

Byron Center and its new subdivisions, near $500,000

256 sales, about half of them new or nearly new homes. Railside, Planters Ridge and Hightree and Planters Row account for more than half of the count.

North of 76th, west of Burlingame, near $510,000

94 sales. Ravines at Railside near $520,000, the Van Singel Lake streets near $596,000 and Byron Lake near $675,000.

Burlingame to US-131, near $335,000

150 sales, led by condos: 31 in Sierrafield near $266,000 and 28 in the Amber condos near $280,000. Streets of detached houses such as Rolling Meadows ran near $515,000.

East, west and rural south, near $420,000

160 sales across the township's largest tract: about $450,000 on the east side around Copperfield and Carlisle Crossings, about $475,000 on the west side, about $384,000 in the rural south and about $255,000 around the Byron Meadows condominiums.

Division Avenue strip, near $250,000

38 sales of site-built homes and condos. The study shows no manufactured-home sales, so the homes in the Division Avenue communities are not in these figures.

New or nearly new, near $515,000

197 of the 713 sales, about 28%, were homes the assessor's cost tables put at 95% good or better, which in practice means new or close to it. The rest had a median near $371,000.

Where to look

Byron Township neighborhoods

Byron Center village

The unincorporated village around 84th Street and Byron Center Avenue, counted by the Census as a place of about 7,400 people, with the township offices, library and Bicentennial Park on Byron Center Avenue. About three in four of its homes are detached houses. Its Census tract shows an owner median near $384,800, a typical build year of 2002, and Buck Creek's flood zone on about 9% of its land.

Railside, Hightree and Planters Ridge

The newer subdivisions around the village, from Burlingame Avenue west past Ivanrest Avenue between 76th and 92nd streets, many with railroad street names such as Conrail and Penn Station drives. In the assessor's 2026 sales study, Railside's 36 valid sales had a median near $736,000, Planters Ridge's 21 near $685,000 and Hightree and Planters Row's 59 near $540,000, with 36 condo sales there near $375,000.

North Byron and Van Singel Lake

The northwest quarter, north of 76th Street and west of Burlingame Avenue, around the old North Byron crossroads, Van Singel Lake and Byron Lake, with M-6 crossing its north end. Its tract has the latest typical build year in the township, 2004, about two thirds of its homes date from 2000 or later, and the owner median is near $394,000. Assessor sales here ran near $510,000, about $520,000 in Ravines at Railside and near $675,000 on Byron Lake.

Burlingame Avenue to US-131

The northeast blocks between Burlingame Avenue and US-131, north of 76th Street, part of the Census area called Cutlerville. About 950 of the tract's 2,400 homes are attached condos or townhomes and about 390 more are apartments in buildings with five or more units. Census owner median near $327,500, typical home from 1997. Assessor sales: Sierrafield condos near $266,000, the Amber condos near $280,000, Rolling Meadows near $515,000 and Providence Lake near $699,000.

Division Avenue, the Cutlerville side

The strip between US-131 and Division Avenue north of 76th Street, where mailing addresses read Grand Rapids and Kentwood Public Schools serves most parcels. About 1,100 of its 1,700 homes are manufactured homes, most in the communities shown on the township's utility map, which is why the Census owner median reads near $46,200. Site-built homes on the older plats and condos such as Silverleaf sold near $250,000 in the assessor's study. Buck Creek crosses it, and FEMA maps about a quarter of its land as high-risk flood area.

Carlisle and the 84th Street corridor

The east side between Burlingame Avenue and Division from 76th to 92nd Street, around the old Carlisle crossroads at 76th Street and Clyde Park Avenue. SpartanNash's offices, Tanger Outlets on 84th Street and the industrial streets along US-131 share it with newer subdivisions: Copperfield's sales in the assessor's study ran near $585,000 and the single homes in Carlisle Crossings near $485,000. Sales on this side had a median near $450,000.

Ivanrest Avenue west to Kenowa

The western sections between 76th and 92nd streets, out to Kenowa Avenue and the Ottawa County line. The township's utility map shows few water or sewer mains west of its sanitary sewer district line here, so ask early whether a house has a private well and a septic system. The block group's Census owner median is near $383,900, with a typical home from 1987, and the assessor's 13 sales on this side had a median near $475,000.

The rural south, 92nd to 108th streets

The southern third of the township, from 92nd Street to the Allegan County line at 108th Street, with Ross and Hilton lakes near 100th Street, the old Corinth crossroads at Division Avenue and a Kent County landfill near US-131. The utility map shows almost no water or sewer mains here. Its Census block group has a typical home from 1984 and an owner median near $342,300 with a wide margin, and the assessor's 38 sales in these sections had a median near $384,000.

Schools and commute

Schools

By Census school district boundaries, Byron Center Public Schools covers about 96% of the township's land, with its administration at 8542 Byron Center Avenue. Three districts take thin edges: Kentwood Public Schools along Division Avenue north of 76th Street (about 3%), where mailing addresses read Grand Rapids, Wayland Union Schools in a small area near 108th Street at the Allegan County line, and Grandville Public Schools in a strip along 60th Street west of Byron Center Avenue, each under 1%. Michigan Treasury's 2025 totals for the township, special assessments included, were 30.59 mills in Byron Center Public Schools, 29.03 in Grandville, 28.75 in Wayland Union and 28.16 in Kentwood. Byron Center voters also approved a school bond in November 2025, so read the parcel's latest bill rather than an older rate table.

Commute

US-131 follows the township's east side, with four exits inside it: 100th Street (exit 72), 84th Street (74), 76th Street (75) and 68th Street (76). M-6 crosses the north end, with exits at Wilson Avenue and Byron Center Avenue before it meets US-131. From the township offices on Byron Center Avenue, the drive is about 13 miles and 18 minutes to downtown Grand Rapids, 15 miles and 20 minutes to Gerald R. Ford International Airport, about 31 minutes to downtown Holland and about 49 to downtown Kalamazoo, in light traffic. Several large employers sit close by: SpartanNash, part of C&S Wholesale Grocers since September 2025, lists its offices at 850 76th Street SW, Tanger Outlets is on 84th Street at US-131, and University of Michigan Health-West's hospital stands just north of 60th Street, about 4 minutes from the township offices. Residents' average commute is about 21 minutes in Census estimates, and about 13% work from home (Census Reporter).

Michigan property taxes

Byron 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 Byron Township, our 2026 Uncapping Study found taxable value typically rises about 36% the year after a sale. On a $350,000 home, near the typical Byron Township value, that is roughly $1,340 more in first-year tax at the local median homestead millage. We build your payment on that post-sale number.

Looking at a Byron 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.

In Samantha's words

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

Same ZIP code, different bills

Byron Center addresses across five townships

A 49315 address can sit in any of five townships in Kent, Ottawa and Allegan counties. Rates are Michigan Treasury's 2025 total homestead millage, township special assessments included, and the jump in taxable value after a sale comes from our 2026 Uncapping Study. Each mill adds $100 a year on $100,000 of taxable value.

Byron Township: 30.59 mills

About 60% of the ZIP code, in Byron Center Public Schools, with 1.80 mills of township special assessments for fire and law enforcement. Taxable value typically rises about 36% the year after a sale.

Gaines Township: 30.38 mills

About 11% of the ZIP code, east of Division Avenue, in its Byron Center Public Schools area. Caledonia Community Schools take part of the Gaines side at 29.42. Jump at sale about 39%.

Jamestown Township, Ottawa County: 29.96 mills

About 18% of the ZIP code, west of Kenowa Avenue, where the 49315 area is in Hudsonville Public Schools. Jump at sale about 41%.

Dorr and Salem townships, Allegan County: about 31 mills

About 10% of the ZIP code, south of 108th Street. Wayland Union in Dorr Township runs about 31.0 mills and Hamilton in Salem Township about 30.6, with jumps at sale near 64% and 65%.

Inside Byron, by school district

Byron Center 30.59, Grandville 29.03, Wayland Union 28.75 and Kentwood 28.16 mills. Between Byron Center and Kentwood the gap is about $243 a year on $100,000 of taxable value.

A rental or second home: 48.59 mills

Without the principal residence exemption, the Byron Center rate in the township rises by 18 mills, an extra $1,800 on every $100,000 of taxable value, each year. The township assessor's office takes the exemption affidavit after you close.

Local resources

Check Byron Township records yourself

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

Settle these first

What to confirm on a Byron Township house

Each of these takes a phone call or a map lookup, and each can change the numbers.

  • Township and county. A Byron Center address can belong to Byron, Gaines, Jamestown, Dorr or Salem township, and a Division Avenue address that reads Grand Rapids can be in Byron. The parcel record settles it.
  • Water, sewer or well. The township's utility systems map shows where the water and sewer mains run, and the Byron-Gaines Utility Authority's answers page explains who reads the meter and who sends the bill. Off the mains, put a well and septic inspection in the offer.
  • The flood map. Most of the township's high-risk flood zone follows Buck Creek, with the rest along Rush Creek and its East Branch. Look up any lot near them on FEMA's map service before your contingencies run out.
  • The opening tax bill on a new house. Ask what the latest bill covered: the lot, a partly built house or the finished home. Michigan's December 31 tax day decides it, and the answer sets your escrow.
  • How a manufactured home is titled. On Division Avenue, find out whether the home sits on a leased lot before you choose a loan. Our manufactured home loan page explains the difference.
  • Levies on the way. The township expects a higher fire equipment levy on the 2026 winter bill and has a parks millage on the November 2026 ballot, so ask the treasurer's office for the current rates on the parcel.

What our clients say

5.0 on Google across 128 reviews

★★★★★
Can’t say enough great things about Samantha and her team at Align Lending! Highly recommend
Justin BartonJune 2024

Individual experiences. Results vary.

Byron Township mortgage questions

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

What did Byron Township homes sell for this year?

Redfin’s figures for the three months ending September 2026 put the median sale near $520,000 across the 49315 ZIP code, up about 1% on a year earlier, and near $548,000 in the area Redfin calls Byron Center. The township assessor’s study of 713 valid sales from April 2023 through March 2025 found a median near $425,000. The $339,700 Census median is owners’ own estimates for 2020 to 2024, so it runs below both.

Not necessarily. By our sample of Census boundaries, about 60% of the 49315 ZIP code lies in Byron Township, 18% in Jamestown Township in Ottawa County, 11% in Gaines Township and about 10% in Dorr and Salem townships in Allegan County. The Byron-Gaines Utility Authority’s own office, at 1381 84th Street SE, Byron Center, sits in Gaines Township. Going the other way, homes on the township side of Division Avenue carry Grand Rapids addresses, the northwest corner along 60th Street east of Kenowa Avenue reads Grandville 49418, and a sliver along Division Avenue south of about 104th Street reads Dorr 49348. Both corners are in Byron Center Public Schools at the points we checked. The parcel record names the township, the county and the school district.

Much of the north and center is. The Byron-Gaines Utility Authority, formed in 2002, runs water and sewer for Byron and Gaines townships, and the water is Lake Michigan water bought wholesale from the City of Wyoming. The township’s utility map shows few mains in the western sections near Kenowa Avenue or south of 92nd Street, where a house may run on a private well and a septic system. The township bills water and sewer quarterly, and its latest financial report expects Wyoming to raise its water and sewer charges, so ask the seller for a year of bills.

The first bill and the bill you will carry are not the same. Michigan’s tax day is December 31, and each year’s assessment describes the property on that date. A house finished after then can carry a first bill that covers little more than the lot, and once the finished home is assessed, an escrow account sized to that first bill runs short. New construction is added to taxable value at half of its true cash value, so we set your escrow from the finished home’s likely taxable value rather than the first bill.

In 2025 the township levied 0.71 mills for general operations plus special assessments of 1.00 mill for fire operations, 0.60 for law enforcement and 0.20 for fire equipment, which is why Michigan Treasury shows 1.80 mills of special assessments in the township’s totals. The township expects to raise the fire equipment levy to at least 0.6 mills on the 2026 winter bill to repay the cost of Fire Station No. 2 in Cutlerville, opened in September 2025, and a 1-mill parks and recreation proposal is on the November 2026 ballot. Subdivisions with streetlights also carry a street-lighting special assessment.

Usually not with a standard mortgage. A home sitting on a rented lot inside a licensed community is personal property, and Michigan charges it a specific tax of $3.00 a month, collected by the community, in place of property tax on the home. Each community also takes its water through a master meter and bills residents itself. If you will own the land, the home sits on a permanent foundation and it is treated as real property, conventional, FHA and VA loans can all reach it.

On a small share of lots. By our sample of FEMA’s flood map, about 4% of land in the township sits in the high-risk zone, roughly three quarters of it along Buck Creek and most of the rest along Rush Creek and its East Branch in the northwest. Along Division Avenue, where Buck Creek crosses, the share rises to about a quarter of the land. Lenders require a flood policy on most loans in that zone, so check the address on FEMA’s map before you budget.

Compare before you decide. A builder’s incentive is often tied to its own lender, so ask for the incentive in writing, get a Loan Estimate from us on the same house and terms, and compare the cash to close and the total cost over the years you expect to keep the loan. More than one sale in four in the township assessor’s study was a new or nearly new home, so this choice comes up often in Byron. Ask too whether the incentive could go toward the price instead of the rate.

Talk with a local mortgage expert

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

  1. 1

    Tell us what you are trying to do

    Not what product you want. What you are actually trying to accomplish.

  2. 2

    Samantha looks at your situation

    She works out what matters most for you specifically.

  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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