Align Lending

Genesee County, Michigan

Mortgage Broker in Flint, MI

Local mortgage guidance for Flint buyers and homeowners, with options shopped across multiple wholesale lenders and one Michigan broker who stays with your file.

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Buying a home in Flint

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.

By the numbers

Flint housing and mortgage snapshot

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

$49,000

Typical home value, from the market research on this page

+78%

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

1.85%

Effective property tax rate, as a share of value

9

Residential ZIP codes

What financing looks like in Flint

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.

Nearly every Flint purchase fits well under the 2026 conforming limit of $832,750, so loan size is rarely the constraint.

Sub-markets

Flint housing market by ZIP code

Flint spans 9 residential ZIP codes, and they are different sub-markets. The 8 below are written up in full; the other 1 follow as a list.

ZIP 48501, near $49,000

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). Named areas: College Cultural / East Village, Civic Park.

ZIP 48502, near $49,000

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. Named areas: Downtown Flint (48502), Grand Traverse District.

ZIP 48503, near $65,000

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. Named areas: Carriage Town Historic District, Woodcroft Estates, Central Park / Civic Park.

ZIP 48504, near $50,000

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. Named areas: Mott Park, Glendale Hills, University Avenue Corridor.

ZIP 48505, near $30,000

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. Named areas: Beecher / Beecher South, Pierson Road corridor / North Flint, Stewart Avenue / Hamilton Avenue area.

ZIP 48506, near $74,000

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. Named areas: Northeast Flint, Sugar Maple Farms / Sugar Maple Farms Condominiums, Kearsley Park area.

ZIP 48507, near $120,000

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. Named areas: Falcon Estates, Vintage Estates, Hawthorn Hills.

ZIP 48532, near $169,311

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. Named areas: Flagstone Pointe, Country Ridge of Flint, West Court St / Linden Rd corridor.

More sub-markets

Other Flint ZIP codes at a glance

  • ZIP 48551, near $50,000

Where to look

Flint neighborhoods

College Cultural / East Village

(~$60,000 to $200,000+), 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

(~$40,000 to $175,000+), Flint's oldest neighborhood, Victorian homes under active restoration, walkable to UM-Flint and the Flint Farmers' Market.

Mott Park

(~$50,000 to $130,000), west-side bungalows near Kettering University and the Mott Park Recreation Area, with prices up sharply year-over-year.

Woodcroft Estates

(~$150,000 to $400,000+), the city's premier high-value enclave on the west side.

Civic Park

(~$20,000 to $60,000), historic early-GM worker housing at the lowest entry prices, with a mix of restored and distressed inventory.

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.

Grand Traverse District

Historic brick homes just south of downtown with mixed restoration activity, roughly $30,000-$90,000.

Central Park / Civic Park

($30,000-$80,000): older, more affordable central streets mixing owner-occupied and rental stock.

Glendale Hills

($60,000-$95,000): Quiet, tree-lined streets and well-kept homes inside the University Avenue Corridor.

University Avenue Corridor

($30,000-$80,000): A revitalization spine linking Kettering and U-M Flint, mixing student housing with restored homes.

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.

Schools and commute

Schools

Flint's market is hyper-local, with prices swinging widely block to block: Most students attend Flint Community Schools (headquartered at 923 E. Public schools are served by Flint Community Schools with regional support from the Genesee Intermediate School District, plus numerous charter and choice options. Most of the ZIP is served by Flint Community Schools, with the western fringe near the 48532 line falling into Carman-Ainsworth Community Schools. 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. Most addresses fall under Flint Community Schools, with parts served by Beecher Community School District or Westwood Heights Schools. 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. 48507 spans a wide range of housing stock: Most of the ZIP is served by Carman-Ainsworth Community Schools, with Grand Blanc, Swartz Creek, and Flint Community Schools covering the edges.

Commute

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.

Michigan property taxes

Flint 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 the City of Flint, our 2026 Uncapping Study found taxable value typically rises about 78% the year after a sale: roughly $3,490 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

Don't build your budget around somebody else's tax bill. The seller's tax history tells us something about the property. It does not automatically tell us what your taxes are going to look like as the new owner.

Local resources

Check Flint records yourself

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

What our clients say

5.0 on Google across 128 reviews

★★★★★
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.
Michael HirschfieldJune 2026
★★★★★
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 !
Abdul HaidousFebruary 2026
★★★★★
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!
Dylan FridayFebruary 2026
★★★★★
Samantha Shelton is amazing!! She helped me get into my first home in Ferndale. The closing process was easy I was able to take care of everything without taking a day off of work. Being a first time homebuyer was stressful but she provided clear communication and true experience guidance throughout the entire process
Jeffery Holley`February 2026
★★★★★
If I could recommend Sam a million times I would. She made the process of buying our first home effortless. I’m grateful to have had her as our broker and even recommended a wonderful realtor as well!
Kayla PJuly 2025
★★★★★
Samantha is a rockstar! She provided expert help and guided me through the loan process in terms that were easy to understand and made the whole experience painless!
Benjamin ShaferJune 2025

Individual experiences. Results vary.

Flint mortgage questions

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

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.

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.

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.

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.

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.

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.

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.

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.

It is softening. Zillow shows values down about 5.3% year-over-year in 2026, and homes are sitting longer, roughly 55 to 78 days on market versus the upper-40s a year earlier. That gives buyers more negotiating room than in many Michigan markets.

The College Cultural Neighborhood (East Village) near Mott Community College and the Flint Cultural Center, and Woodcroft Estates, are the most stable and sought-after. Carriage Town and Mott Park are popular for restored historic homes near downtown and Kettering University.

48504 is home to the University Avenue Corridor, Kettering University, Hurley Medical Center, and the historic Carriage Town, Civic Park, and Mott Park neighborhoods. It’s an institutional and revitalization hub on Flint’s north/west side, combining college and hospital anchors with some of the city’s most architecturally notable housing stock.

Downtown Detroit is about 68 miles south via I-75, a drive of roughly one hour to 75 minutes in normal traffic. Bishop International Airport (FNT) is only about 15 minutes away, and Flint also has bus connections to Detroit for non-drivers.

Often only with the right product. Many lenders won’t write loans under about $50,000, and as-is or distressed homes may not pass standard appraisal and habitability requirements. FHA 203k and other renovation loans roll purchase and repair costs together, making them a practical path in this market, talk through your specific property with a local loan officer before you make an offer.

Health care, education, and government, not the old auto line. The biggest employers include McLaren Flint and Hurley Medical Center, the University of Michigan-Flint and Mott Community College, Genesee Health System, and city/county government, with General Motors still a major regional employer just outside the core.

Talk with a local mortgage expert

Tell Samantha what you are trying to do in Flint and she will tell you what actually matters for your situation, including whether the timing is right.

  1. 1

    Tell us what you are trying to do

    Not what product you want. What you are actually trying to accomplish.

  2. 2

    We look at your situation

    A licensed Align loan officer works out what matters most for you specifically.

  3. 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.

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