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Flint is the birthplace of General Motors and the United Auto Workers, and that industrial DNA still shapes the city, though today healthcare and education employ more people than the auto plants. McLaren Health Care is headquartered here alongside Hurley Medical Center, while Kettering University, the University of Michigan-Flint, and MSU’s College of Human Medicine anchor a downtown that has drawn steady reinvestment. The Flint Cultural Center, home to the Sloan Museum of Discovery, the Flint Institute of Arts, and Longway Planetarium, sits beside Mott Community College. With a population of about 78,900 and a median household income near $36,000-$41,000, Flint remains one of Michigan’s most affordable places to own a home, even as it recovers from its 2014 water crisis.

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Flint ranks among Michigan’s lowest-cost markets. The Zillow Home Value Index sits around $49,000, and Redfin and Movoto put median sale prices in the $50,000-$59,000 range as of early 2026. Values are softening, down roughly 5% by Zillow’s ZHVI and as much as 23% by Redfin’s median sale price year-over-year, a spread driven by low transaction volume and differing methods. Despite that, inventory moves fast: homes go pending in about 12 days. The combination of rock-bottom entry prices and steady investor demand for rentals keeps turnover quick across the city’s residential ZIPs (48503, 48504, 48505).

Flint is one of Michigan’s most affordable markets, with a citywide Zillow home value index around $49,000 in 2026 and median sale prices roughly $50,000-$59,000 per Redfin. Values have softened about 5.3% year-over-year, and homes are sitting longer, roughly 55 to 78 days on market versus the upper-40s a year earlier, which hands buyers real negotiating leverage. The 48502 downtown core is the exception: because it is dominated by lofts and condos near UM-Flint, units there typically list well above the citywide single-family average, often in the $80,000-$200,000+ range. Demand downtown is driven less by commuters than by proximity to campus, hospitals, and the Cultural Center.

Homes in 48503 typically trade around $65,000-$70,000, RealtyTrac pegs the median sale near $69,999, and Redfin’s single-story median list runs about $66,250. That sits above Flint’s citywide typical value of roughly $49,000. Flint’s market is thin and volatile: citywide values are down about 5.3% year over year, and low sales volume produced wild swings in recent monthly reports. Listings in 48503 also move slowly, averaging around 101 days on market versus roughly 55 days citywide. Demand here is driven by the colleges, the hospitals, and restoration interest in historic districts, but condition varies block to block, so well-prepared homes outperform the average.

Pricing in 48504 depends heavily on which block you are standing on. Zillow pegs ZIP-level values near $50,000, while Redfin shows a median list price around $43,500, with sale prices often landing a touch lower. Citywide values have slipped roughly 5% over the past year. Homes take about 49 days to go pending in the ZIP, though genuinely move-in-ready listings can pend in around 15. Demand is driven less by speculation than by proximity, workers at Hurley and Kettering, investors chasing rental yield, and owner-occupants drawn to the historic stock around Mott Park and Carriage Town, where prices climb to $75,000-$90,000 and beyond.

The median sale price in 48505 sits somewhere around $30,000-$35,000, Redfin tracked a late-2025 median near $30K while other aggregators pegged the average property near $35,011. Redfin showed that median up roughly 22% year-over-year, though the broader Flint average value (~$49K) slipped about 5% over the same window, so direction depends heavily on the data source and the area’s thin, distressed-heavy sale volume. Move-in-ready homes move quickly, roughly 28 days on market, down from about 35 a year earlier, with the wider Flint market often going pending in around 12 days. Demand is driven by cash investors and renovation buyers chasing some of the lowest entry prices in the state.

Homes in 48506 are genuinely affordable. Zillow pegs the ZIP’s typical value near $74,000, while the Census (ACS 2024) puts the median owner-occupied value around $91,900, a realistic working range of roughly $75,000-$90,000. Values have been soft to roughly flat, with citywide Flint down about 5% year over year (Zillow); 48506 specifically holds up better than the citywide typical value near $49,000 because it skews older, single-family, and owner-occupied. Homes generally move in about 30-45 days for the Flint market. Demand here is driven by affordability, proximity to Mott Lake and Kearsley Park, and steady hospital and university employment that keeps a base of local buyers and renters in the area.

Homes in 48507 carry a median sale price of roughly $120,000 as of March 2026 per Redfin, with Realtytrac showing a comparable ~$104,000 figure. That sits well above the city-of-Flint average near $49K because this ZIP captures the south side and township fringes. Prices are climbing about +5.5% year-over-year here even as the broader city dipped roughly 5%, a clear sign 48507 is outperforming. The median home spends around 42 days on market, essentially flat from a year ago, reflecting steady, balanced demand driven by the Miller Road employment base, school options, and the I-75 access toward both Detroit and the Tri-Cities.

Homes in 48532 carry a median sale price around $169,311, with city-data pegging typical house/condo value near $185,711, a different universe from the ~$50,000 citywide Flint median. Values have softened only about 3% year-over-year here, while the City of Flint core fell 17-23%. That gap is the whole story: Flint Township’s lower tax burden, the Carman-Ainsworth schools, and airport/highway proximity keep demand sticky. Homes move in roughly 45-55 days, tracking at or slightly faster than the citywide ~55-day average because 48532’s stock is more desirable.

Flint is one of Michigan’s most affordable markets, full stop. Citywide homes sold for roughly $50,000 to $59,000 in early 2026, with Zillow’s typical home value near $49,000. Year-over-year direction depends on who you ask: Zillow shows values off about 5.3%, while Redfin reports a steeper 23% drop on very thin sales volume. Homes are now averaging about 55 to 58 days on market, up from roughly 46 a year earlier, a clear signal the market has cooled toward buyers. Demand is driven by hospital and university staff, investors chasing low entry prices, and first-time buyers who can purchase outright for less than a typical down payment elsewhere.

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Flint Real Estate & Mortgage Overview

At Flint’s price point, qualifying is within reach for many households: a ~$55,000 home with 5% down runs roughly $500-$600/month PITI, affordable on an income of about $24,000-$30,000, below the city’s median. Budget carefully for taxes, though. The City of Flint’s effective property tax rate is around 1.85%, well above the ~0.88% Genesee County median, and some ZIPs run as high as 2.4%. Filing a Principal Residence Exemption removes the 18-mill school operating tax for owner-occupants. First-time buyers should look at MSHDA’s MI Home Loan, with up to $10,000 in down payment help. Note: the Genesee County GCMPC HOME program excludes Flint itself. Jumbo loans are essentially irrelevant here, nearly every Flint purchase falls far under conforming limits.

What it's Like to Live in Flint

Flint’s market is hyper-local, with prices swinging widely block to block:

College Cultural / East Village (~$80,000-$160,000), one of the most stable, desirable areas, tree-lined and adjacent to the Flint Cultural Center and Mott Community College, with a strong neighborhood association and lower crime.
Carriage Town Historic District (~$60,000-$130,000+), Flint’s oldest neighborhood, Victorian homes under active restoration, walkable to UM-Flint and the Flint Farmers’ Market.
Mott Park (~$70,000-$90,000), west-side bungalows near Kettering University and the Mott Park Recreation Area, with prices up sharply year-over-year.
Woodcroft Estates (~$150,000-$300,000+), the city’s premier high-value enclave on the west side.
Civic Park (~$20,000-$50,000), historic early-GM worker housing at the lowest entry prices, with a mix of restored and distressed inventory.

Most students attend Flint Community Schools (headquartered at 923 E. Kearsley St), with charter options like the International Academy of Flint and Madison Academy. Commuting south, Flint sits about 68 miles from Detroit via I-75, roughly an hour to 75 minutes by car, with Amtrak and intercity bus service available.

Downtown Flint (48502): Lofts, condos, and converted historic buildings near UM-Flint and the Capitol Theatre, roughly $80,000-$200,000+. Rental-heavy and walkable.
Carriage Town Historic District: One of Flint’s oldest neighborhoods, Victorian-era homes under active restoration just west of downtown, roughly $40,000-$150,000.
College Cultural (East Village): Tree-lined streets near the Flint Cultural Center and Flint Institute of Arts, with a strong neighborhood association and stable values, roughly $60,000-$160,000.
Mott Park: Family-oriented bungalows near Kettering University and the Mott Park recreation area, roughly $40,000-$110,000.
Grand Traverse District: Historic brick homes just south of downtown with mixed restoration activity, roughly $30,000-$90,000.

Public schools are served by Flint Community Schools with regional support from the Genesee Intermediate School District, plus numerous charter and choice options. Commuting to downtown Detroit means about 65-70 miles south on I-75, roughly 1 to 1.5 hours depending on traffic.

Carriage Town Historic District ($60,000-$160,000): Flint’s oldest neighborhood, restored 1890s Victorians near downtown and Kettering University, with active preservation.
College Cultural Neighborhood / East Village ($80,000-$200,000+): the most sought-after area in the city, larger early-1900s homes wrapped around Mott Community College and the Flint Cultural Center.
Mott Park ($50,000-$130,000): tree-lined 1920s homes along the Flint River with an active neighborhood association and a former-golf-course greenway.
Woodcroft Estates ($150,000-$400,000+): Flint’s premier historic enclave, Colonial, Tudor, and Mediterranean homes averaging ~2,900 sq ft on half-acre lots, historically home to the Mott family and auto executives.
Central Park / Civic Park ($30,000-$80,000): older, more affordable central streets mixing owner-occupied and rental stock.

Most of the ZIP is served by Flint Community Schools, with the western fringe near the 48532 line falling into Carman-Ainsworth Community Schools. Downtown Detroit is about 68 miles south via I-75/US-23, roughly an hour to 75 minutes, though most residents commute locally within Genesee County.

Mott Park ($76,000-$90,000): Established 1940s-60s single-family homes hugging the Mott Park Golf Course and the Flint River, among the most stable pockets in the ZIP.
Carriage Town Historic District ($70,000-$110,000): Flint’s oldest neighborhood, full of restored Victorian-era homes a short walk from downtown.
Glendale Hills ($60,000-$95,000): Quiet, tree-lined streets and well-kept homes inside the University Avenue Corridor.
Civic Park ($25,000-$55,000): Historic 1910s-20s GM worker-housing district north of Kettering, with a lower entry point reflecting older stock and active blight-recovery work.
University Avenue Corridor ($30,000-$80,000): A revitalization spine linking Kettering and U-M Flint, mixing student housing with restored homes.

Most of 48504 is served by Flint Community Schools, with Westwood Heights Schools (W Pierson Rd) covering the northwest, Carman-Ainsworth along the western edge toward Flint Township, and Beecher just to the north. Downtown Detroit is about 65-70 miles south, roughly a 1-hour to 1-hour-20-minute drive down I-75.

Civic Park (~$20,000-$60,000): GM-built in 1919 for Buick workers and listed on the National Register of Historic Places; a mix of bungalows, Tudor and Dutch Revivals, many needing rehab.
Beecher / Beecher South (~$15,000-$50,000): Established area along the north edge, served by Beecher Community School District, with housing mostly built 1940-1969.
Pierson Road corridor / North Flint (~$10,000-$45,000): A commercial-residential strip of affordable older single-family stock with heavy investor and cash activity.
Stewart Avenue / Hamilton Avenue area (~$10,000-$40,000): Some of the oldest housing in the city, sitting right beside the former Buick City footprint and its redevelopment.
Mott Park (border) (~$30,000-$75,000): Western edge near Kettering University and the Flint River, with relatively more stable values.

Most addresses fall under Flint Community Schools, with parts served by Beecher Community School District or Westwood Heights Schools. Downtown Detroit is about 68 miles south, roughly 1 hour to 1 hour 15 minutes via I-75/US-23, though most 48505 residents commute locally within Genesee County.

Northeast Flint (~$60,000-$120,000): the core residential area of 48506, older single-family homes; better pockets run near a $115,000 median per NeighborhoodScout.
Sugar Maple Farms / Sugar Maple Farms Condominiums (~$150,000-$250,000+): newer condo and subdivision development, the higher-end choice for the area.
Woodcroft Estates (~$150,000-$300,000): one of Flint’s historic, higher-value neighborhoods of larger homes.
Kearsley Park area (~$50,000-$110,000): established streets near Kearsley Park and the Flint River.
Mott Park (~$50,000-$120,000): historic Flint River neighborhood with strong north-Flint character (note it borders 48504).

Most of 48506 is served by Kearsley Community Schools (PK-12, ~2,840 students, offices on Underhill Drive); portions nearer the core fall under Flint Community Schools. Downtown Detroit is about 68 miles south via I-75, roughly one hour to 75 minutes by car.

48507 spans a wide range of housing stock:

Woodcroft Estates (~$200,000-$450,000+), developed in 1925 south of Miller Road, one of Flint’s most affluent neighborhoods with half-acre lots and ~2,900 sq ft Colonial, Tudor, and Mediterranean homes.
Falcon Estates (~$130,000-$220,000), an established south-side subdivision consistently cited among the safer pockets of the ZIP.
Vintage Estates (~$150,000-$260,000), newer subdivision homes on the Grand Blanc/Mundy Township edge.
Hawthorn Hills (~$140,000-$240,000), a quiet residential subdivision in the 48507 area.
Thornridge / Brookedale (~$120,000-$230,000), a cluster of family-oriented subdivisions, with North Fairview Farms a comparable nearby development.

Most of the ZIP is served by Carman-Ainsworth Community Schools, with Grand Blanc, Swartz Creek, and Flint Community Schools covering the edges. Downtown Detroit is about 68 miles away, roughly 1 hour to 1 hr 20 min via I-75 South.

Woodcroft Estates ($200,000-$450,000+): Established, affluent west-side enclave near Kettering University, tree-lined streets, large historic homes, average household income near $119k. Portions straddle 48503/48504, so verify the ZIP per listing.
Flagstone Pointe (~$180,000-$300,000): Newer subdivision between Flushing and Flint Township with easy highway, shopping, and airport access.
Country Ridge of Flint (~$200,000-$320,000): Traditional two-story 4-bed/2.5-bath family homes inside the Carman-Ainsworth district.
Carriagetown / Mott Park (~$120,000-$250,000): Established west-side residential areas adjacent to Woodcroft Estates.
West Court St / Linden Rd corridor (~$130,000-$220,000): Mid-range ranch and colonial homes near Genesee Valley Center and the airport, the bulk of 48532’s housing stock.

Schools: Most addresses fall in Carman-Ainsworth Community Schools (district office on West Court Street); the northwestern and southwestern edges run into Flushing and Swartz Creek Community Schools.

Commute to Detroit: About 68 miles, roughly a 60-75 minute drive via I-75 South. No daily commuter rail, so most people drive; Amtrak’s Blue Water line and intercity bus also serve Flint.

Flint’s neighborhoods vary dramatically in price and condition, so location matters more than almost any other market we serve.

College Cultural (East Village), roughly $120,000-$160,000. Tree-lined streets beside the Flint Cultural Center and Institute of Arts, with a strong neighborhood association and the city’s most stable values.
Carriage Town Historic District, roughly $40,000-$120,000. One of Flint’s oldest areas near downtown, with active historic restoration and a wide spread between renovated and project homes.
Mott Park, roughly $50,000-$110,000. Family-friendly bungalows near Kettering University and Mott Park Recreation Area.
Woodcroft Estates, roughly $150,000-$300,000+. The established, higher-end west side with larger historic homes.
Civic Park, roughly $25,000-$60,000. A historic GM-era planned subdivision with entry-level pricing and active revitalization.

Most addresses fall under Flint Community Schools, with the Genesee Intermediate School District providing countywide services; some edges sit in Carman-Ainsworth, Kearsley, or Beecher. Detroit is about 66-68 miles south via I-75, roughly an hour to 75 minutes by car.

Flint covers residential ZIP codes 48501, 48502, 48503, 48504, 48505, 48506, 48507, 48532 and 48551.

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Flint Mortgage FAQ's

How much do homes cost in Flint, MI (48501)?

Flint is one of Michigan’s most affordable housing markets. As of early 2026 the typical home value is around $49,000 (Zillow), and median sale prices have run roughly $50,000-$59,000. Prices vary widely by neighborhood, distressed areas can be under $30,000 while stable enclaves like College Cultural and Woodcroft Estates run well over $100,000.

What does a typical home cost in Flint's 48502 ZIP code?

Citywide, Flint home values average around $49,000 (Zillow, 2026), with median sale prices roughly $50,000-$59,000. The 48502 downtown core itself is mostly lofts and condos near UM-Flint, so units there typically list higher than the citywide single-family average, often in the $80,000-$200,000+ range.

What income do I need to buy a typical Flint home?

Because of the low price point, a typical ~$55,000 Flint home with a small down payment runs roughly $500-$600 per month including taxes and insurance. That’s generally affordable on a household income of about $24,000-$30,000 a year, below Flint’s median household income of roughly $36,000-$41,000.

Why are property taxes higher in Flint than nearby suburbs?

Flint has the highest millage in Genesee County. The median effective tax rate in 48503 is roughly 2.40%, compared with a county median near 0.88%. The high combined city, school, county, and library millage means carrying costs, not the purchase price, are often the biggest factor in qualifying for a Flint mortgage. Investment/non-homestead properties pay an extra ~18 mills.

How fast do homes sell in 48507?

Fairly quickly. The median time on market is around 42 days, essentially flat versus a year earlier, indicating steady, balanced demand rather than a frenzy or a stall.

Is 48532 a good area to buy compared to the rest of Flint?

Yes. While the City of Flint proper saw values drop 17-23% year-over-year in 2026, 48532 has been far steadier, down only about 3%, thanks to Flint Township’s lower tax burden, the Carman-Ainsworth and Flushing school districts, and proximity to the airport, Genesee Valley Center, and major highways.

What schools serve the 48504 area?

Most of 48504 is served by Flint Community Schools, with Westwood Heights Schools (on W Pierson Rd) covering the northwest portion, Carman-Ainsworth Community Schools along the western edge toward Flint Township, and Beecher Community School District just to the north. Families often compare options on GreatSchools before buying.

Are there first-time buyer or down payment assistance programs for Flint?

Yes. Michigan’s MSHDA MI Home Loan offers up to $10,000 in down payment assistance (zero-interest, repaid on sale or refinance) for first-time buyers with a 640+ credit score and income under county limits. Note the Genesee County (GCMPC) HOME-funded program specifically excludes the City of Flint, so Flint buyers typically use MSHDA or city/nonprofit neighborhood-reinvestment programs.

Serving Flint, MI and Surrounding Areas

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Michigan Counties We Serve: Genesee, Lapeer, Lenawee, Livingston, Macomb, Monroe, Oakland, Saint Clair, Washtenaw, Wayne

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