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Washtenaw County, Michigan

Mortgage Broker in Chelsea, MI

How a 48118 mailing address splits between Chelsea city and five townships, which school district and millage rate apply, and what to settle before you close.

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What should you know before buying a home in Chelsea?

M-52 runs north and south through Chelsea and meets Interstate 94 about 3 miles south of the City Offices at 305 South Main Street, a 6 minute drive on the OSRM route. Redfin's Chelsea page, for the three months ending September 2026, shows a median sale price near $395,000, up 2.7% from a year earlier, with homes taking a median of 32 days to sell.

City tax bills have set dates: summer bills are mailed July 1 and due September 14, and winter bills are mailed December 1 and due February 15.

By the numbers

What do the numbers say about Chelsea housing?

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

$370,000

Typical home value, from the market research on this page

+33%

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

1.44%

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

1

Residential ZIP code: 48118

What does financing look like in Chelsea?

A mortgage broker for Chelsea, MI buyers starts with two sets of numbers. Redfin's Chelsea page, for the three months ending September 2026, shows a median sale price near $395,000, up 2.7% from a year earlier, with homes taking a median of 32 days to sell and 22 homes sold in September. A month with 22 sales moves on a few deals, so read it next to the Census. The American Community Survey for 2020 to 2024 puts the city's median owner-occupied home value at $312,700, with a margin of error of $22,986, across 1,741 owner-occupied homes and 1,023 renter households. The Census median covers every owner-occupied home, including the older ones in the central blocks, while Redfin's covers what sold, which is one reason the two differ. Inside the city, block group medians run from $256,500 to $344,200, and in the townships behind the 48118 address they reach $494,700 around Fourmile Lake in Lima Township.

The loan amount decides the program, not the town. A loan above the 2026 conforming limit of $832,750 is a jumbo loan at any address, and the loan limits tool shows the conforming and FHA limits for Washtenaw County. Loan amounts at the city's Census median sit well under that line, so the choice among conventional, FHA, VA and USDA loans turns on credit, debts and the property. Because ZIP 48118 reaches into Sylvan, Lyndon and Lima Townships, the USDA eligibility check can answer for a specific address, and manufactured home loans come up in the townships, where one Sylvan Township block group counts 113 mobile homes among 495 homes, and the manufactured homes guide covers the trade-offs. Non-warrantable condo loans and the condominium financing guide cover attached homes, which are 401 of the city's 2,847 homes.

Three local details change how a Chelsea purchase is handled. A home on its own well or septic system falls under the county's Time of Sale program, which has the system evaluated by a county-certified inspector before the property sells. A flood zone is checked on FEMA's map for the address, and in a high-risk zone the lender requires flood insurance, which matters for lake parcels on Cavanaugh, Cassidy, McLaughlin and Fourmile Lakes. And a new build brings a builder's contract and the development's documents into the loan file: the city development report to council in December 2024 listed Heritage Farms as under construction with phase three site plans under review. The Michigan transfer tax calculator and the closing costs guide cover the one-time costs beyond the price.

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A Chelsea address is not a Chelsea city address: the city is about 4% of the land in ZIP 48118, and for the 2025 tax year the homestead rate on Chelsea School District parcels runs from 31.8786 mills in Freedom Township to 47.0139 mills inside the city.

The market

What is the Chelsea housing market like?

The typical Chelsea home value sits near $370,000 (Zillow lists $370,672; Redfin reported a $369,000 median sale price in March 2026), up about 2.5% year over year. Across the broader 48118 ZIP, which reaches into surrounding townships and Cavanaugh Lake's waterfront, median asking prices run higher, closer to $430,000. The market still moves quickly: Chelsea homes sold in roughly 30 days in March 2026, and the 48118 average of about 49 days is a sharp improvement from 77 days a year earlier. Demand is driven by the school district, the historic walkable core, and limited new-construction inventory.

Census figures

What the Census counts in Chelsea homes

These figures come from the Census Bureau's American Community Survey for 2020 to 2024, for Chelsea city, its tracts and block groups and the townships around it. Each estimate carries a margin of error, and the smaller the area the wider it gets. The Michigan property tax calculator and the calculators page turn a price into the numbers a lender reviews.

Who owns and who rents?

The survey counts 1,741 owner-occupied homes and 1,023 renter households in the city, with margins of error of 184 and 271.

How old are the homes?

The city's median year built is 1971 with a margin of 11 years, and the four city block groups range from a median of 1938 to a median of 1983.

What kinds of homes are there?

Of 2,847 homes, 1,700 are detached houses, 401 are attached, 91 sit in two-unit buildings, 39 in buildings of three or four units, 182 in five to nine, 19 in ten to 19 and 415 in buildings of 20 or more, and no mobile homes are counted in the city.

How do home values compare around the city?

The survey's median owner-occupied value is $312,700 in the city, $396,200 in Sylvan Township, $350,200 in Lyndon Township, $404,700 in Lima Township and $374,100 in Washtenaw County.

Where does the 48118 ZIP reach?

By land area, Census ZIP boundaries give ZIP 48118 about 34% in Sylvan Township, 25% in Lyndon Township, 21% in Lima Township, 7% each in Freedom and Dexter Townships, 4% in the city and 2% in Sharon Township.

Which numbers can you rely on?

Block group medians carry wide margins, such as $61,055 on a median of $256,500 in the northwest city block group, so use them to compare areas roughly and rely on a parcel's own records for any single home.

Where to look

Which neighborhoods make up Chelsea?

Library, South Main and Pierce Park

Block group 2 of tract 4464 holds the Chelsea District Library, Chelsea Hospital, Pierce Park and the Pierce Lake Golf Course and Park, and points checked at each fall in ZIP 48118 inside the city limits. American Community Survey figures for 2020 to 2024 show a median owner-occupied value of $339,200 with a margin of error of $29,943, a median year built of 1976 and 1,065 homes, of which 651 are detached houses and 184 are attached.

TimberTown Park, Veterans Park and Lanewood

Block group 2 of tract 4462 runs along M-52 north of the center and holds TimberTown Park, Veterans Park at M-52 and Sibley, and the spot OpenStreetMap labels Lanewood, each checked as ZIP 48118. The American Community Survey shows a median owner-occupied value of $256,500 with a wide margin of error of $61,055 and a median year built of 1938 with no margin reported, so read both as rough. Of its 464 homes, 436 are detached houses.

Fairgrounds and the west side

Block group 1 of tract 4462 covers the west side, where OpenStreetMap maps the fairgrounds and a residential area labeled Pines, both checked as ZIP 48118. Its median owner-occupied value is $266,300 (margin of error $28,338) and its median year built is 1983. Of 958 homes, 290 are detached houses, 170 are attached and 338 sit in buildings of 20 or more units, the largest share of apartment-style buildings among the four city block groups.

Dog park and the northeast edge

Block group 1 of tract 4464 takes in the northeast edge of the city, where the City of Chelsea Dog Park sits in ZIP 48118. The American Community Survey puts the median owner-occupied value at $344,200 (margin of error $33,426) and the median year built at 1982. Of 360 homes, 323 are detached houses and 28 are attached, and the survey counts 351 owner-occupied homes and no renter households, with a margin of error of 11 on that count.

Guthrie and western Sylvan Township

Block group 2 of tract 4470 covers western Sylvan Township around the hamlet OpenStreetMap labels Guthrie, checked as ZIP 48118, and its parcels carry Sylvan Township's rate, not the city's. The American Community Survey shows a median owner-occupied value of $333,500 (margin of error $42,040) and a median year built of 1991. Of 495 homes, 342 are detached houses and 113 are mobile or manufactured homes, so a purchase here can involve a manufactured home loan.

Cavanaugh Lake, Sylvan Township

Block group 4 of tract 4470 holds Cavanaugh Lake west of the city, which Census boundaries place in Sylvan Township, and the lake point checks as ZIP 48118. Parcels here are taxed by Sylvan Township. The American Community Survey shows a median owner-occupied value of $466,500 (margin of error $49,998) and a median year built of 1984. Of 676 homes, 648 are detached houses and 581 are owner-occupied.

McLaughlin and Cassidy lakes, Lyndon Township

Block group 2 of tract 4450 sits in Lyndon Township north of the city, where OpenStreetMap maps McLaughlin Lake and Cassidy Lake, each checked as ZIP 48118. The American Community Survey shows a median owner-occupied value of $358,400 (margin of error $25,981) and a median year built of 1979. All 702 homes are detached houses and 609 are owner-occupied. Lyndon Township's Chelsea School District homestead rate for 2025 is 37.4014 mills.

Park Lyndon, Lyndon Township

Block group 1 of tract 4450 reaches the northern part of Lyndon Township, where OpenStreetMap maps the county park Park Lyndon, checked as ZIP 48118. The American Community Survey shows a median owner-occupied value of $330,100 (margin of error $41,562) and a median year built of 1981. Of 427 homes, 423 are detached houses and 339 are owner-occupied. The Chelsea School District row for Lyndon Township also sits beside a Stockbridge Community Schools row.

Fourmile Lake, Lima Township

Block group 1 of tract 4480 covers part of Lima Township east of the city. Fourmile Lake checks as ZIP 48118 while Baker Woods Preserve, in the same block group, checks as 48130, so the ZIP depends on the street. The American Community Survey shows a median owner-occupied value of $494,700 (margin of error $55,772) and a median year built of 1982. Of 732 homes, 719 are detached houses and 581 are owner-occupied.

Schools and commute

Schools

All of the City of Chelsea sits in Chelsea School District, and Michigan Treasury's 2025 table lists that district as the only school row for the city. The district's buildings are Chelsea High School, Beach Middle School, South Meadows Elementary, North Creek Elementary and Pierce Lake Early Childhood Center, listed on its schools page, and its enrollment page walks through registration. The district reaches well past the city line. Census TIGERweb boundaries put all of Sylvan Township, about 80% of Lyndon Township and about 70% of Lima Township inside it, and the Treasury table carries Chelsea School District rows for Dexter, Freedom and Sharon Townships and for Waterloo and Grass Lake Townships in Jackson County as well. The Chelsea District Library draws a similar map: it serves 16,126 residents in the City of Chelsea, Lyndon and Sylvan Townships and the parts of Lima and Dexter Townships inside the school district. What changes a tax bill is the municipality. For the 2025 tax year Treasury lists the Chelsea School District homestead rate at 47.0139 mills in the city, 37.4014 in Lyndon Township, 36.4997 in Dexter Township, 34.7913 in Sylvan Township, 34.626 in Lima Township, 31.8786 in Freedom Township and 30.9508 in Sharon Township. Lima Township has a second school row, Dexter Community Schools at 35.0187 mills, and Lyndon Township a second, Stockbridge Community Schools at 34.16 mills, so a parcel in either township can sit in a different district. Ask the assessor for the parcel's school district code and compare it with the Treasury 2025 rate table.

Commute

M-52 runs north and south through Chelsea and meets Interstate 94 about 3 miles south of the City Offices at 305 South Main Street, a 6 minute drive on the OSRM route. Old US-12 crosses the south side of the city east and west. Measured from the City Offices with OSRM, which models free-flowing roads with no traffic, downtown Ann Arbor is 15.1 miles and 22 minutes away, Dexter 10.9 miles and 17 minutes, Manchester 12.0 miles and 19 minutes, Stockbridge 13.7 miles and 20 minutes, downtown Jackson 22.4 miles and 30 minutes, Ypsilanti 25.2 miles and 32 minutes, Brighton 32.9 miles and 41 minutes and Detroit Metropolitan Airport 41.0 miles and 49 minutes. Real drive times vary with traffic. Ann Arbor SPARK's regional employers list, updated September 2026, shows Stellantis's Chelsea Proving Grounds at 400 to 499 employees, Hatch Stamping, Sheridan Books and Chelsea Milling Company at 300 to 399 each and Gestamp at 200 to 299, all in Chelsea, and it lists Trinity Health Michigan, which runs Chelsea Hospital, across Ypsilanti, Saline and Chelsea. WAVE, the Western-Washtenaw Area Value Express, runs the Community Connector between stops in Chelsea, Dexter and Scio with a link to TheRide, and the Chelsea Community Ride is a free, deviated fixed route inside the city. Both run seven days a week.

Day to day

Living in Chelsea

Parks, errands, events, seasonal city tasks and the kinds of homes you will see, from the city's parks pages, the Chelsea Area Chamber of Commerce, the state's Waterloo Recreation Area page, the farmers market, the Chelsea Community Fair, the public works pages and the other sources named in each card.

What is there to do around Chelsea?

The city's parks pages list Pierce Park, 4.66 acres on Main Street with two pavilions, swings, a play structure, picnic areas and a large rock repainted for local events, along with TimberTown Park, Palmer Commons across from the City Offices, a dog park and Veterans Park at M-52 and Sibley, which holds the Veterans Memorial beside the Dana Fields baseball diamonds. The western end of the Border-to-Border Trail runs through Veterans and TimberTown parks and north along M-52 toward Lyndon Township and Stockbridge. The Department of Natural Resources's Waterloo Recreation Area, 20,000-plus acres with 11 inland lakes and the Gerald Eddy Discovery Center at 17030 Bush Road in Chelsea, lies to the west.

Where do people run errands?

OpenStreetMap maps CVS Pharmacy and a Speedway near South Main Street and Old US-12, and places the Chelsea District Library within a block of the City Offices on Main Street. The Chelsea Farmers Market runs Saturdays from 8 a.m. to 1 p.m. at Palmer Commons and Wednesdays from 10 a.m. to 3 p.m. on South Main Street, May through October. The chamber's directory groups shops under categories such as grocery, home improvement and automotive, and the Chelsea Community Ride, a free deviated fixed route inside the city, runs seven days a week.

What happens here through the year?

The chamber lists Sounds and Sights on Thursday Nights for June 3 to July 29, 2027, from 6:30 to 8:30 p.m., after the Sounds and Sights Festival held downtown on July 30 and 31, 2026. The Chelsea Community Fair lists August 24 to 28, 2027. Hometown Holiday in 2026 includes the tree lighting at Pierce Park on December 4 from 5 to 6:30 p.m. and a light parade on December 5, per the chamber's calendar, and the chamber also posts the Sculpture Walk, a free outdoor exhibition downtown that rotates each year.

What does each season mean for a homeowner?

City summer tax bills are mailed July 1 and due September 14, winter bills are mailed December 1 and due February 15, and unpaid bills go to the county on February 28. Assessment notices arrive in the second or third week of February and the Board of Review meets in March. Brush pickup starts on the second Monday of each month, spring leaf pickup in 2026 began April 20, and no parking is allowed on city streets from 2 a.m. to 5 a.m. daily so crews can sweep and plow, with temporary permits available from the police department.

Which kind of home are you after?

The Census counts 2,847 homes in the city: 1,700 detached houses, 401 attached homes and 415 in buildings of 20 or more units, with no mobile homes. Heritage Farms is a multi-phase development inside the city, and a new build brings a builder's contract into the loan file. Lake parcels sit outside the city, around Cavanaugh Lake in Sylvan Township, Cassidy and McLaughlin Lakes in Lyndon Township and Fourmile Lake in Lima Township, where the well, septic system and flood map zone are checked for each parcel. One Sylvan Township block group counts 113 mobile homes among 495 homes.

Michigan property taxes

What will my property taxes be after I buy in Chelsea?

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 Chelsea, our 2026 Uncapping Study found taxable value typically rises about 33% the year after a sale. On a $375,000 home, near the typical Chelsea value, the first-year tax goes up roughly $2,170 at the Chelsea schools rate. We build your payment on that post-sale number.

Looking at a Chelsea 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.

Tax comparison

Chelsea School District parcels, municipality by municipality

These are the Michigan Treasury 2025 millage rates for the Chelsea School District row in each unit, and a mill is $1 of tax per $1,000 of taxable value. The planning number takes half of a $370,000 market value, or $185,000, times the homestead rate. The city's tax page also lists the Chelsea Area Fire Authority, the library and the recycling authority among the taxes on the bill. The planning figure is not what the law sets, because the assessor's estimate of market value drives the real bill. Run an exact address through the Michigan property tax calculator, and see the taxable value guide and the Uncapping Study for how the number resets after a sale.

City of Chelsea

Homestead 47.0139 mills and non-homestead 65.0139 mills. Planning number on $185,000 of taxable value: about $8,698 a year. The city's own tax page lists 13.1555 mills of direct city levy for tax year 2025.

Sylvan Township

Homestead 34.7913 mills and non-homestead 52.7913 mills. Planning number: about $6,436 a year. Chelsea School District is the only school row the Treasury table lists for the township.

Lyndon Township

Homestead 37.4014 mills and non-homestead 55.4014 mills. Planning number: about $6,919 a year. The table's other school row is Stockbridge Community Schools at 34.16 mills homestead.

Lima Township

Homestead 34.626 mills and non-homestead 52.626 mills. Planning number: about $6,406 a year. The table's other school row is Dexter Community Schools at 35.0187 mills homestead.

Freedom Township

Homestead 31.8786 mills and non-homestead 49.8786 mills. Planning number: about $5,898 a year. The table also lists Dexter, Manchester and Saline school rows for the township.

Dexter Township

Homestead 36.4997 mills and non-homestead 54.4997 mills. Planning number: about $6,752 a year. The table also lists Pinckney and Dexter Community Schools rows at 34.4401 and 36.8924 mills homestead.

Local resources

Check Chelsea records yourself

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

What our clients say

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Chelsea mortgage questions

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

Is a Chelsea mailing address the same as living in the City of Chelsea?

No. The City of Chelsea holds about 4% of the land in ZIP 48118, according to Census TIGERweb boundaries, and the rest is Sylvan Township at about 34%, Lyndon Township at about 25%, Lima Township at about 21%, Freedom Township and Dexter Township at about 7% each and a sliver of Sharon Township. Part of Lima Township mails as Dexter in ZIP 48130, and Lima Township’s own office carries a Dexter address. The tax bill follows the parcel, so ask for the parcel number and look it up through the city’s online tax and assessing records or the township’s. The Michigan property tax calculator takes a street address and returns the published millage for it.

Chelsea School District for every parcel in the city and in Sylvan Township. A parcel in Lyndon Township or Lima Township can belong to a different district, Stockbridge Community Schools or Dexter Community Schools, so the address alone does not settle it. The parcel’s school district code appears on the tax bill and in the township’s records, and the district can confirm whether an address is inside its boundary. The Treasury table gives each combination its own total rate, which is why the same district shows several different homestead rates.

The city’s homestead rate is 47.0139 mills against 34.7913 in Sylvan Township, 37.4014 in Lyndon Township and 34.626 in Lima Township, all for Chelsea School District parcels, per the Treasury 2025 rate table. The city’s own levies, which its Rates and Timing page lists as 13.1555 mills for tax year 2025, make up most of the gap. Non-homestead rates run 18 mills higher in every unit listed there, so a rental or second home in the city is taxed at 65.0139 mills. The city posts its own current rates, and a bill for the current year can differ from the 2025 table.

The city’s assessor for city parcels is WCA Assessing, under contract to the City of Chelsea: call 734-475-1771, extension 213, with on-site hours Tuesdays 8 a.m. to 4 p.m. and Thursdays 12:30 to 4 p.m., per the city’s tax and assessing page. Sylvan Township keeps its own assessor, Tonya Lall, at 734-475-8890, extension 111, on its assessing page. Lima Township posts tax and assessing records on an online portal, and its treasurer takes questions at 734-475-2246, extension 205, on the township’s taxes page. The assessor’s estimate of market value, not the price paid, is what a sale resets, and the assessment guide explains how the estimate is set.

City summer bills are mailed July 1 and due September 14, and winter bills are mailed December 1 and due February 15, with unpaid bills sent to the county on February 28, per the city’s tax timing table. Lima Township lists September 14 and February 14 for its own bills, so check the unit that taxes the parcel. The principal residence exemption has state filing deadlines of June 1 and November 1, and it takes up to 18 mills of school operating tax off a home you live in, according to the city’s assessing page. The state’s exemptions page has the form, and the homestead exemption guide walks through filing.

If the home has its own well or septic system, yes: Washtenaw County’s Time of Sale program has the on-site system evaluated by a county-certified inspector before the property sells, and the program page lists the inspectors, the fee schedule and the regulation. Check the current regulation before you set a closing date. Homes on city water and sewer inside Chelsea are not in that category. The septic system guide and the well water guide cover what lenders and appraisers look at.

The City of Chelsea itself: its utilities page says the city offers electric, water and sewer service to residents and businesses, publishes a rate schedule every July, has a current schedule that took effect March 1, 2026, and takes questions at 734-475-1771 or utilities@city-chelsea.org. Natural gas comes from DTE Energy at 800-477-4747. The city’s wastewater treatment plant at 680 McKinley Street was built in 1988 and expanded in 2010. For a parcel outside the city, ask the seller which providers serve it.

Enter the address on FEMA‘s Map Service Center and read the zone it shows. If the zone is high-risk, the lender requires flood insurance on the loan, so price the premium into the budget before you make an offer. Washtenaw County’s map store posts parcel and drain maps for a second look. Lake and creek parcels deserve the check first, and the flood zone guide lays out the steps.

Before you close

Things to settle on a Chelsea house

Most of these come from the city's assessing page, the county's Time of Sale page, the city's utilities page and FEMA's Map Service Center. Building permits and inspections for new work run through the Chelsea Area Construction Agency, which the city's planning page names as its inspection partner, and the HOA guide covers association rules. The homebuyer game plan lines them up with the loan steps.

Which municipality taxes the parcel?

Ask for the parcel number and confirm whether the city or Sylvan, Lyndon, Lima, Freedom or Dexter Township levies on it, because the same school district carries a different rate in each.

Is there a well or a septic system?

Washtenaw County's Time of Sale program covers on-site well and septic systems, and the county's page lists the certified inspectors and a fee schedule.

Which utilities come with the house?

Inside the city, electric, water and sewer service come from the City of Chelsea and natural gas from DTE Energy. Outside it, ask the seller which providers serve the parcel.

Does FEMA map the address in a flood zone?

Look up the address on FEMA's Map Service Center. When the map shows a high-risk zone the lender requires flood insurance, so the premium belongs in the monthly budget before you make an offer.

Is there a development or an association?

A planned development or condominium project brings documents for the lender to review, and any special assessment on the parcel is collected on the tax bill, according to the city's tax page.

Has the principal residence exemption been filed?

The state's deadlines are June 1 and November 1, and the exemption removes up to 18 mills of school operating tax, which is the 18 mill gap between the city's 47.0139 homestead and 65.0139 non-homestead rates.

Communities near Chelsea

Washtenaw County overview

Guides for Chelsea buyers

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Sources

Where do the Chelsea figures on this page come from?

44 sources behind the Chelsea figures above, every link checked November 2026.

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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