Schools
Chippewa Valley Schools and Clintondale Community Schools are Clinton Township's primary districts, and parts of the township are in L'Anse Creuse, Fraser and Mount Clemens schools, so confirm the district for the specific address.
Macomb County, Michigan
Mortgage Broker in Clinton Township, MI
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Buying a home in Clinton Township
Clinton Township is a charter township in south-central Macomb County about 22 miles northeast of downtown Detroit, home to about 101,400 residents in the Census Bureau's 2024 estimate, which makes Clinton Township one of the largest townships in Michigan. First organized in 1818 as Huron Township and renamed for New York governor DeWitt Clinton in 1824, it wraps around Mount Clemens, the county seat, on three sides. The Clinton River forms from three branches inside Clinton Township before running east to Lake St. Clair. The median household income in Clinton Township is near $74,200.
By the numbers
Clinton Township housing and mortgage snapshot
Values move. Treat these as orientation and let us pull current figures for the address you are considering.
$225,000
Typical home value, from the market research on this page
+45%
Typical rise in taxable value the year after a home sells, 2026 Uncapping Study
1.48%
Effective property tax rate, as a share of value
3
Residential ZIP codes: 48035, 48036, 48038
What financing looks like in Clinton Township
Clinton Township prices sit well inside the 2026 conforming limit of $832,750. FHA, conventional low-down-payment programs, VA and MSHDA assistance all come into play. Condos are common here, and each association has to meet the lender's project rules, so ask for the association documents early. 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. We run the numbers with your actual taxes and insurance before you write an offer.
Nearly every Clinton Township purchase fits well under the 2026 conforming limit of $832,750, so loan size is rarely the constraint.
The market
The Clinton Township housing market
The typical home value in Clinton Township is near $225,000, the median for owner-occupied homes in the Census Bureau's American Community Survey, which counts about 29,600 owner-occupied homes here. The median year built is 1980, and the stock mixes ranches, colonials and a good number of condos. Homeowners pay a median of about $3,320 a year in property taxes, an effective property tax rate of about 1.48% of the median value.
Where to look
Clinton Township neighborhoods
Broad Acres
the southeast part of Clinton Township along Gratiot Avenue (M-3) between 15 Mile and Quinn roads.
Cady
the southwest corner at Utica and Moravian roads, founded in 1833 by Chauncey Cady, who served as township supervisor.
Schools and commute
Commute
Downtown Detroit is about 22 miles southwest.
Michigan property taxes
Clinton 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 Clinton Township, our 2026 Uncapping Study found taxable value typically rises about 45% the year after a sale: roughly $1,960 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
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 Clinton Township records yourself
The official offices behind the tax and school details on this page.
- Clinton Township Assessing Department, for parcel records and current taxable value
- Chippewa Valley Schools, for district boundaries and enrollment
- Macomb County Equalization Department, for county property tax records
What our clients say
★★★★★
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.
★★★★★
Samantha was extremely helpful during my home loan process in Novi. Communication was quick, the instructions were clear, and everything stayed on track through closing.
★★★★★
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!
★★★★★
Samantha Shelton was absolutely amazing! She far exceeded any expectations we had. Samantha was our biggest cheerleader throughout the entire home buying process! It literally felt like my best friend was helping us navigate and cheering us on from start to finish. I would recommend her and the team to anyone; you will be in THE best hands. She is so knowledgeable and kind. This was the best, easiest and least stressful mortgage process ever.
★★★★★
can’t say enough good things about my experience with Samantha Shelton . She took the time to explain every step of the process, answered all my questions promptly, and made sure everything stayed on track. Her professionalism, honesty, and dedication truly stood out. I would recommend her 100% to anyone buying or refinancing a home. My refinance loan was submitted, approved and clear to close the same day, that’s unheard of in the industry. What a rock star !
★★★★★
As a first-time homebuyer in Troy, I was nervous about getting my FHA loan. I went to Samantha Shelton at Align Lending and the experience was nothing short of amazing! Her expertise and fast service made everything so easy. I will definitely be going back to her, and I recommend her if you are looking for a fast and easy mortgage experience!
Individual experiences. Results vary.
Clinton Township mortgage questions
If yours is not here, ask it on the call. There are no dumb questions.
What is the typical home value in Clinton Township, MI?
The Census Bureau’s American Community Survey puts the median owner-occupied home value near $225,000. Condos sit below that and newer single-family homes above it.
Is Clinton Township a good fit for first-time buyers?
For many, yes. Prices sit well inside the conforming limit, so FHA, low-down-payment conventional loans, VA and MSHDA assistance can all work. We compare them on total cost.
What ZIP codes cover Clinton Township?
Clinton Township is mainly in ZIP codes 48035, 48036 and 48038, with Clinton Township mailing addresses.
How will my property taxes change after I 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. Clinton Township homeowners pay a median of about $3,320 a year, and we estimate the post-sale figure for the home you choose.
Which schools serve Clinton Township?
Chippewa Valley Schools and Clintondale Community Schools are the main districts, with parts of the township in L’Anse Creuse, Fraser and Mount Clemens. Confirm the district for the specific address.
Communities near Clinton Township
Macomb County overviewTalk with a local mortgage expert
Tell Samantha what you are trying to do in Clinton Township 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.
