Genesee County, Michigan
Local mortgage guidance for Davison buyers and homeowners, with options shopped across multiple wholesale lenders and one Michigan broker who stays with your file.
Davison sits just 10 to 15 minutes east of Flint along M-15 (State Street), a railroad town that grew up around the 1871 Canadian National line that first put "Davison Station" on the map. Today the 48423 ZIP blends the walkable older core near downtown with sprawling township subdivisions, drawing families who want Genesee County access without Flint-city tax rates. The area is also famous as the hometown of Academy Award winner Michael Moore, a Davison High graduate. Buyers here weigh proximity to Lake Callis and Holloway Reservoir against employment anchored by Davison Community Schools, General Motors' Flint-area plants, and McLaren Health Care. With roughly 25,000 residents across the city and surrounding township (Wikipedia), 48423 is a steady, family-oriented market where local lending knowledge matters.
By the numbers
Values move. Treat these as orientation and let us pull current figures for the address you are considering.
Typical home value, from the market research on this page
Typical rise in taxable value the year after a home sells, 2026 Uncapping Study
Residential ZIP codes
Plan on roughly $70,000 to $80,000 in household income to comfortably afford the ~$253,000 median home with about 10% down at prevailing rates; 20% down with no PMI can drop that to around $67,000 to $70,000. Davison's biggest advantage is tax: an effective rate near 0.40 to 0.42% of value, far below Flint's ~1.85% and the county median near 0.88% (Ownwell). Confirm your post-sale millage with the City of Davison, since value uncaps at sale. At this price point you're comfortably under conforming limits, so jumbo financing rarely applies; first-time buyers should ask us about MSHDA down-payment assistance.
Nearly every Davison purchase fits well under the 2026 conforming limit of $832,750, so loan size is rarely the constraint.
The market
The median sale price in ZIP 48423 is roughly $253,000 as of spring 2026, up about 7.9% year over year (Redfin). Note the spread: Zillow's typical home value runs lower near $212,000, while Davison Township's newer construction pushes medians toward $432,000, so your budget depends on which slice of Davison you shop. Demand is brisk. Homes go pending in about 11 days on average, draw around four offers, and sell close to list, with hot homes going roughly 2% over asking in about 8 days. The drivers are simple: low property taxes, a strong school district, and a short commute to Flint employment keep buyer competition tight across the ZIP.
Davison's established subdivisions lead the list: Carriage Trails (~$280,000 to $400,000+) is prized for mature hardwoods and larger lots, while Hillside Meadows (~$250,000 to $375,000) is a family favorite in the schools area. The whole ZIP is served by Davison Community Schools, whose high school rates above the Michigan average.
Downtown Detroit is about 63 miles and 1 hour 10 minutes south via I-75, so Davison suits Flint-area workers best.
Michigan property taxes
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 Davison, our 2026 Uncapping Study found taxable value typically rises about 48% the year after a sale: roughly $2,200 more in first-year tax on a $300,000 home at the local homestead millage. We build your payment on that post-sale number.
County alone does not tell you much. We would never say you are in a particular county so here are your taxes. It does not work like that. We need the actual property.
Local resources
The official offices behind the tax and school details on this page.
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The median sale price in ZIP 48423 is roughly $253,000 as of spring 2026, up about 7.9% year over year (Redfin). Zillow’s typical home value runs lower at around $212,000, while current asking prices and the township’s newer-construction homes push medians higher, so your budget depends heavily on which part of Davison you’re shopping.
Very competitive. Homes in 48423 go pending in about 11 days on average and typically draw around 4 offers, selling close to list price; hot homes can sell roughly 2% over asking in about 8 days. Buyers should be pre-approved and ready to move quickly.
No. Davison has one of the lowest effective property-tax rates in Genesee County, around 0.40 to 0.42% of value, versus a county median near 0.88% and Flint’s ~1.85%. Michigan taxes are based on taxable value times local millage, and the value uncaps to market at sale, so confirm the current millage and your post-sale bill with the City of Davison or Genesee County Equalization.
Plan on roughly $70,000 to $80,000 in household income to comfortably afford the ~$253,000 median home with about 10% down at prevailing rates. Davison’s low property taxes help keep the monthly PITI down, near $1,800, and putting 20% down (no PMI) can lower the income needed to around $67,000 to $70,000.
Established subdivisions like Carriage Trails (mature trees, larger lots, ~$280K+) and Hillside Meadows are popular with families, while Irish Farms Estates and the township’s new-construction communities (from the mid-$250Ks) offer newer homes. Older homes near downtown Davison are the most affordable entry point, often in the $180K to $260K range.
The area is served by Davison Community Schools, whose high school rates above the Michigan state average and has earned several College Success Awards. As for commuting, downtown Detroit is about 63 miles away, roughly 1 hour 10 minutes via I-75, so Davison works best for buyers who work in or near Flint, just 10 to 15 minutes west.
Tell Samantha what you are trying to do in Davison and she will tell you what actually matters for your situation, including whether the timing is right.
Not what product you want. What you are actually trying to accomplish.
A licensed Align loan officer works out what matters most for you specifically.
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.
