Mortgage Lender in Clio, MI
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Local Home Loans Tailored for Clio
Clio anchors the northern edge of Genesee County, a small city of roughly 2,451 residents sitting right on I-75 within the Flint metro. Summer evenings here revolve around the Clio Area Amphitheater, an outdoor concert venue running since 1987 inside Clio City Park, while the 7.5-mile bike path and historic Vienna Road (M-57) storefronts give the town its character. The local economy leans on Clio Area Schools, small manufacturers like Montague Manufacturing and Osborn Inc. farmland in surrounding Vienna Township, and a steady flow of commuters to Flint, Saginaw, and the region’s auto plants. Median household income runs about $52,500, roughly 80% of the county figure, so affordability and low taxes drive most buyer decisions in the 48420 ZIP.
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The median home price in the city of Clio is around $249,900, with the wider Vienna Township median closer to $230,000. Prices have climbed roughly +6% over the past year (Vienna Township 12-month median sale price), tracking just above Michigan’s statewide ~5.4% YoY, note that a 48420-only YoY figure isn’t separately published. Homes move at about 43 days on market, noticeably faster than the national average near 58 days. Demand is fueled by tight inventory, the I-75 location, well-regarded schools, and a very low effective tax rate that stretches buyer budgets further. Move-in-ready ranches and newer subdivision builds tend to sell quickest.
Why Choose Align Lending?
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Community-Focused - Built on strong family values, we treat every client like one of our own.
- Honest and Transparent: No hidden fees, no surprises-just straightforward mortgage solutions you can trust.
- Reliable & Trusted: Recognized with NAMB Broker of the Year and Hall of AIME honors, we’ve built lasting relationships by delivering exceptional service.
- Local Experts and National Reach: Proudly serving Southeast Michigan, we’re deeply connected to the community and dedicated to helping homeowners succeed.
Clio Real Estate & Mortgage Overview
Plan on roughly $70,000-$80,000 in household income to comfortably carry the ~$250,000 median home with about 10% down at today’s rates, an estimated $1,700-$1,900/month PITI. Clio’s biggest advantage is its ~0.53% effective property tax rate, well under the Genesee County median (~0.88%) and national median (~1.02%); claim Michigan’s Principal Residence Exemption to shed about 18 mills of school operating tax on a primary home. First-time buyers should look hard at MSHDA down-payment assistance, which pairs well with these modest prices. With the median far under the 2026 conforming limit, nearly every Clio purchase fits a standard FHA, VA, or Conventional loan, jumbo financing rarely comes into play here. Always confirm current millage with the Genesee County treasurer.
What it's Like to Live in Clio
- Vienna Meadows (~$200,000-$280,000): established suburban subdivision and condominium community blending single-family homes and condos.
- Pheasant Run (low $300,000s+): newer-construction subdivision near West Vienna Road where four-bedroom models start in the low $300Ks.
- Eitzens Farms (~$250,000-$350,000+): golf-course-adjacent living at the north entrance to Clio Country Club.
- Dutchman’s Cove (~$200,000-$250,000): new-construction ~1,400 sq ft, 2-bed/2-bath condos, a lower-maintenance option.
- West Vienna Road corridor (~$215,000-$300,000+, Vienna Township): brick and vinyl ranches from past decades around $215K-$260K, with active new subdivision development as farmland converts.
These all fall within Clio Area Schools, a ~2,500-student district of about seven schools serving the city plus most of Thetford and Vienna townships. Commute-wise, Flint is just 15-20 minutes south; downtown Detroit is about 83 miles (~1 hr 30 min) via I-75, so Clio works best as a Flint/Saginaw-area community.
The Process
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- Explore Your Loan Options - We take the time to explain the different mortgage programs you qualify for, including fees, taxes, and insurance.
- Customize Your Rate - We work with top lenders to ensure you get a mortgage rate that fits your financial goals.
- Fast & Easy Pre-Approval - Get pre-approved in minutes and gain the confidence to shop for your dream home!
Find the Right Agent & Start Shopping for Your Dream Home!
- Expert Representation - Agent compensation is agreed in writing before you start touring, so you know that cost up front and can build it into your offer.
- Seamless Home Research - We’ll connect you with a trusted agent to make your homebuying journey as smooth as possible.
- The Fun Begins - Shopping for your new home is an exciting experience-picture your future, explore possibilities, and find the perfect fit for your family.
Make an Offer & Close on Your Mortgage - Fast!
- Strategic Offer Support -We collaborate with your agent to ensure your offer is as strong as possible.
- Fast & Efficient Closing - Once your offer is accepted, we work to close your mortgage in less than two weeks.
- Move Into Your Dream Home - Before you know it, the keys are in your hand and you’re settling in!
Clio Mortgage FAQ's
What is the typical home price in Clio, MI 48420?
As of 2026, the median home price in the city of Clio is around $249,900, while the surrounding Vienna Township median sale price is closer to $230,000. Older brick and vinyl ranch homes commonly run $215,000-$260,000, and newer four-bedroom builds in subdivisions like Pheasant Run start in the low $300,000s.
How fast do homes sell in Clio?
Homes in Clio sell relatively quickly for the area, on average about 43 days on market, compared with a national average closer to 58 days. Well-priced, move-in-ready homes in desirable subdivisions can go faster.
What are property taxes like in Clio, Michigan?
Clio’s effective property tax rate is roughly 0.53%, lower than the Genesee County median (~0.88%) and the national median (~1.02%). Michigan also offers the Principal Residence Exemption, which removes about 18 mills of school operating tax on your primary home. Always confirm the current millage with the City of Clio or Genesee County treasurer before buying.
How much income do I need to buy a median-priced home in Clio?
Plan on roughly $70,000-$80,000 in household income to comfortably afford the ~$250,000 median home with about 10% down at current rates, estimated total monthly payment in the $1,700-$1,900 range including taxes and insurance. Putting more money down or carrying no other debt lowers the income you need. The Clio median household income is about $52,500, so many buyers stretch the budget with a co-borrower or a larger down payment.
Which school district serves Clio 48420?
Clio is served by Clio Area Schools, which covers the city plus most of Thetford and Vienna townships and parts of Flushing, Montrose, and Mount Morris townships. The district runs about seven schools serving roughly 2,500 students and is part of the Genesee Intermediate School District.
Is Clio a good spot for commuters?
Clio sits right on I-75 in northern Genesee County, making it convenient for commuters to Flint (about 15-20 minutes south) and Saginaw to the north. Downtown Detroit is about 83 miles, roughly a 90-minute drive, so Clio works best as a Flint/Saginaw-area community rather than a daily Detroit commute. The affordable prices, low tax rate, and small-town feel, anchored by the Clio Area Amphitheater and City Park, make it popular with first-time buyers and families.
Our Service Areas
Michigan Counties We Serve: Genesee, Lapeer, Lenawee, Livingston, Macomb, Monroe, Oakland, Saint Clair, Washtenaw, Wayne
If you’re in or around any of the locations listed above, Align Lending  has you covered! Contact us to make a service appointment now!
