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Kent County, Michigan

Mortgage Broker in Grand Rapids Township, MI

A Grand Rapids Township home usually carries a Grand Rapids mailing address, yet the city's property tax rate and resident income tax stop at the township line. One Michigan broker checks the parcel first, then shops your loan across multiple wholesale lenders.

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Buying a home in Grand Rapids Township

Grand Rapids Township is a charter township in Kent County, bordered by the City of Grand Rapids to the west and East Grand Rapids to the southwest but governed separately from both. It is home to about 19,400 residents in the Census Bureau's 2024 estimate, and the median household income in Grand Rapids Township is near $123,200.

By the numbers

Grand Rapids Township housing and mortgage snapshot

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

$427,000

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

0.98%

Property tax current owners pay, as a share of value. A buyer's bill can reset higher the year after a sale

5

Residential ZIP codes: 49525, 49546, 49506, 49301, 49505

What financing looks like in Grand Rapids Township

Redfin publishes no figure for the township on its own. In 49525, the ZIP code that covers about two thirds of the township's land, Redfin's median sale over July through September 2026 was about $400,000, up 12% on a year earlier, with a typical listing going pending in about 11 days and about 40% selling above list price. The township's own Census median, near $426,600, runs higher than the ZIP-wide Census figure of $321,100, because 49525 also takes in parts of Plainfield Township and the City of Grand Rapids. A typical township sale sits under Kent County's 2026 FHA ceiling of $541,287 and far below $832,750, the conforming ceiling for 2026. The upper end is different: in owners' own Census estimates, 878 homes are worth $750,000 or more and 359 are worth $1 million or more, the range where a jumbo loan, with larger reserves and fuller documentation, can enter the picture.

Two local details shape a loan file here more than price does. Water and sewer first: the City of Grand Rapids supplies most of the township's public water and sewer, Plainfield Township serves part of the northwest, and the township's plan leaves the far northeast outside both service areas, where homes rely on private wells and septic systems. Budget for a well water test and a septic inspection inside your inspection window. Private roads second: the township's plan notes that many of its site condominiums were built on private roads, and Fannie Mae's appraisal rules call for a recorded, legally enforceable maintenance agreement or covenant when a home sits on a privately maintained street. A detached site condo does not need the condo project review Fannie Mae applies to attached units, but the road paperwork still matters, so ask for the master deed and the road agreement as soon as your offer is accepted.

The tax calendar sets the escrow figure at closing. The township's summer bill turns into a lien July 1 and can be paid without added interest through September 14, the winter bill is due February 14, and drain, street light and lake weed charges ride on the winter bill where they apply. If your household fits MSHDA's income and credit limits, a MI Home Loan can carry MI 10K, $10,000 of down payment help that is repaid only when the house is sold or refinanced, the mortgage is paid off or you stop living there. The program caps the price at $566,355, above the township's median value, though many sales here run past it.

Same district, different bill: an East Grand Rapids Public Schools home in Grand Rapids Township paid 33.41 homestead mills in 2025, and one inside the City of East Grand Rapids paid 47.50.

The market

The Grand Rapids Township housing market

The typical home value in Grand Rapids Township is near $426,600, the median for owner-occupied homes in the Census Bureau's American Community Survey, which counts about 6,100 owner-occupied homes here. The median year built is 1989, and Grand Rapids Township is mostly established subdivisions and larger homes on wooded lots. Homeowners pay a median of about $4,180 a year in property taxes, an effective property tax rate of about 0.98% of the median value.

Five shared ZIP codes

Where each Grand Rapids Township ZIP code reaches

The township uses five ZIP codes and shares every one of them, so a ZIP-wide price mixes in homes from Plainfield, Cascade, Ada, East Grand Rapids and the City of Grand Rapids. Home shares count 2020 Census housing units inside the township, the land split is taken from the 2020 Census ZIP and township relationship file, sale medians come from Redfin for July through September 2026 and cover each whole ZIP, and owner medians are owners' own Census estimates from 2020 through 2024.

49525: about two thirds of the township

The core of the township: the Township Hall, Knapp's Corner, Celadon, Three Mile Road and the Northview strip toward Four Mile. About 54% of the township's 2020 Census homes use it. The township holds about 43% of the ZIP's land and Plainfield Township about 44%, with the City of Grand Rapids and a corner of Ada Township holding the rest. Redfin's ZIP-wide median was about $400,000, up 12%, with 117 sales in September, and the Census owner median across the ZIP is $321,100.

49546: the south side, below Michigan Street

Fulton Street, Cascade Hills, Cook Valley, East Lake and the Forest Hill Avenue corner, about a fifth of the township's land and close to a third of its homes. Cascade Township holds over half of this ZIP, so a 49546 address can just as easily be Cascade, Kentwood, Ada or the City of Grand Rapids. Across the whole ZIP, Redfin's median came to about $525,000, 11% above a year earlier, with listings going pending in about 9 days, and the Census owner median is $417,900.

49506: the Reeds Lake edge

Elmhurst, Morningside, Alta Vista and Reeds Lake Boulevard, about 4% of the township's homes. The ZIP is about half City of Grand Rapids and two fifths East Grand Rapids by land, with the township holding about 7%. Some of these township homes are in East Grand Rapids Public Schools and some in Forest Hills, and the township's only high-risk flood ground lies along this shore. Redfin's ZIP-wide median, about $420,000 and roughly flat on the year, leans on city and East Grand Rapids sales, and the Census owner median is $375,000.

49301: Ada addresses on the east edge

Whitewood Farms, Bradford Farms, Hickory Grove and Red Hill Drive, about 4% of the township's homes. The township is only about 1% of this large ZIP, which is mostly Ada, Cascade and Cannon townships, so ZIP-wide prices say little about these streets: Redfin's median there ran about $750,000, mostly on Ada sales, and the Census owner median is $548,800.

49505: the Shadow Lake corner

Sandrel Drive, Shadow Lake, Deer View Estates and Indian Ridge, about 5% of the township's homes and about 8% of the ZIP's land. The other 92% is the City of Grand Rapids, where the city income tax applies, so a 49505 listing deserves a parcel check before anything else. Redfin's ZIP-wide median of about $306,000, flat on the year with homes selling in about 6 days, and the Census owner median of $246,700 describe the city's northeast side far more than the township's corner.

Where to look

Grand Rapids Township neighborhoods

Three Mile Road and Provin Trails

The largest block group by land, north of Knapp Street on the East Beltline's east side up to Four Mile Road, with Hoag and Maguire avenues, Mason and Evergreen lakes, Kuyper College at 3333 East Beltline, Corewell Health's care center at 2750 East Beltline and the Kent County park at Provin Trails. Census owner values sit near $495,600 with a wide margin, the typical home dates from 1999, and owners hold about 1,500 of its homes. Roughly a fifth of its homes, on the north side toward Four Mile Road, are in Northview Public Schools.

Celadon and Leffingwell Avenue

West of the East Beltline between Knapp Street and Three Mile Road: the Celadon New Town development at Knapp and Leffingwell, the apple-named streets of Apple Valley such as Winesap and McIntosh, Lenwood Hills and Orchard View Elementary. About five in six homes are detached and about four in five are owner-occupied, with a typical home from 1982 and owner values near $369,300. The cinema at 2121 Celebration Drive and the shops off Peregrine Drive, inside the same Census block group, are City of Grand Rapids parcels.

Perch Lake and Dean Lake Avenue

North of Three Mile Road between Dean Lake Avenue and Leffingwell Avenue, up to Four Mile, around Perch Lake and the Kensington Woods site condominium. Nearly every home is a detached, owner-occupied house, and the typical one dates from 1968, two decades older than the township as a whole. Owner values run near $377,700 with a wide margin. A few dozen homes at the north end are in Northview Public Schools.

Plainfield Avenue and Emerald Lake

The northwest corner, from Plainfield Avenue east to Dean Lake Avenue between Three and Four Mile roads, with Emerald Lake and Lamberton Creek. Township and city land interleave here: about two thirds of the block group's homes are township homes, and the Lamberton Lake Fen preserve next door belongs to the City of Grand Rapids. Detached houses and apartment buildings share the area, owner values sit near $282,800, well under the township median, and the typical home dates from 1984. Close to half of the township homes here are in Northview Public Schools, and the township's plan places Plainfield Township's water and sewer service in this northwest part of the township.

Shadow Lake and the 49505 corner

West of Dean Lake Avenue between Knapp Street and Three Mile Road, around Shadow Lake, Sandrel Drive, Deer View Estates and Indian Ridge Drive. Most of the township's Grand Rapids 49505 addresses are here, in a ZIP that is otherwise mostly city: the Census geocoder places 2099 Sandrel Dr NE in the township and in Forest Hills Public Schools. On the Shadow Lake side a little under half of the block group's homes are township homes, renters and owners split about evenly, owner values sit near $428,200 with a wide margin and the typical home is from 1993. Farther west, around Indian Ridge, the block group is mostly city.

Township Hall, Crahen Valley and Knapp's Corner

From Leonard Street up to about Knapp Street, and from Leffingwell Avenue east to the Ada Township line: the Township Hall and its 58-acre park at 1836 East Beltline, Crahen Valley Park, Knapp Forest Elementary on Knapp Valley Drive, Knapp Charter Academy on Leffingwell and Forest Hills Northern High School. Condos and townhomes such as Ledgestone, Eaglecrest and Grand Ridge sit near the Beltline, with site condos such as Flowers Mill and Winterwood farther east. Owners hold about seven in ten homes, the typical home dates from 1997 and the owner median, near $389,300, carries a very wide margin. The Meijer at Knapp's Corner and the homes around it, about a quarter of the block group's housing, are in the City of Grand Rapids, and a few streets at the east end use Ada 49301 addresses.

Meijer Gardens and the Beltline line

From Leonard Street south toward Michigan Street around the East Beltline, home to the 158-acre Frederik Meijer Gardens and Sculpture Park, opened in 1995 at 1000 East Beltline. The boundary runs right along the road here: the Gardens are township land in Forest Hills Public Schools, while Cornerstone University across the Beltline at 1001 and homes on streets such as Bradford Place are in the City of Grand Rapids and Grand Rapids Public Schools. Only about two in five of the block group's homes are township homes, around Bradford Hollow and Bradford Greens east of the Gardens. Owner values sit near $376,900 with a very wide margin, typical home from 1986.

Bradford Farms and the Ada line

The township's east edge between Crahen Avenue and the Ada Township line, from about Fulton Street north to Leonard, with Whitewood Farms, Canterwood, Quail Ridge and Bradford Farms off Bradford Street. Every home in the Census count is a detached, owner-occupied house, the typical one from 2001, later than in any other part of the township, and owner values run near $579,600. Much of it uses the Ada ZIP code 49301: the Census geocoder places 4469 Hickory Grove Ct NE, Ada in Grand Rapids Township and in Forest Hills Public Schools.

East Lake and the Fulton Street side

Between Fulton and Michigan streets, from the East Beltline east to Crahen Avenue, where I-96 crosses on its way to the Beltline interchange. East Lake and the Bridgehampton, Chevy Chase and Nottingham streets sit here, with the Aspen Trails condominiums on the north side of Fulton. About nine in ten homes are owner-occupied and a little over a fifth are attached, the typical home is from 1991 and owner values run near $388,800.

Cascade Hills and Cook Valley

South of Fulton Street and east of the Beltline, around Cascade Hills Country Club on Cascade Road, Hidden Lake and the Cook Valley and Reeds Crossing streets, with I-96 cutting through. The housing is mixed: about half detached houses, about a sixth attached homes and about a third units in buildings of five or more. Owners hold about two thirds of homes, the typical home dates from 1979 and owner values sit near $428,100.

Forest Hill Avenue and Echo Lake

The southeast corner along Forest Hill Avenue and Cascade Road down to Hall Street, in two block groups. Around Collins School on Heather Lane, the township's Fulton Street fire station and the St. Andrews and Carnoustie streets, nearly every home is owner-occupied, the typical one from 1979, with owner values near $456,100 and a tighter margin than most. Around Echo Lake, Forest Hills Park and Medical Park Drive the homes are older, typically from 1964, apartments stand beside detached houses, and owner values sit near $373,200.

Reeds Lake's east end and Cascade Road

The southwest edge beside East Grand Rapids, along Cascade Road, Robinson Road and Reeds Lake Boulevard, with Elmhurst Avenue, Morningside Drive and Alta Vista Drive and John H. Bonnell Park on the lake. About 330 township homes sit here, mostly detached and from the 1950s, inside three block groups that are mainly East Grand Rapids, where owner values run from about $462,500 to $799,000. Homes such as 72 Elmhurst Ave SE are in East Grand Rapids Public Schools, while Reeds Lake Boulevard homes such as 3933 are in Forest Hills. Every point our FEMA map sample flagged as high-risk flood ground in the township sits along this shore.

Schools and commute

Schools

The township's school page lists three districts, and Census district boundaries split the township's 2020 housing units roughly this way: Forest Hills Public Schools about 88%, Northview Public Schools about 8%, on the north side toward Four Mile Road and in the Plainfield Avenue corner, and East Grand Rapids Public Schools about 3%, on the southwest edge beside Reeds Lake. Michigan Treasury's 2025 homestead totals inside the township were 28.66 mills with Forest Hills, 29.74 with Northview and 33.41 with East Grand Rapids, so the widest gap, between Forest Hills and East Grand Rapids, comes to about $475 yearly per $100,000 of taxable value. No township land lies in Grand Rapids Public Schools, but the city parcels across the East Beltline, Cornerstone University among them, do. Knowing the district still leaves the taxing unit open. Forest Hills also reaches into the City of Grand Rapids, Ada and Cascade townships and Kentwood, and each of them levies a different total, so the parcel record comes first in our tax estimate.

Commute

I-96 cuts diagonally across the township from the northwest corner to the southeast, meeting the East Beltline at exit 38. M-44 runs north and south through the middle as the East Beltline, and M-21 starts on Fulton Street at the Beltline and heads east past Amway's headquarters in Ada. From the Township Hall at 1836 East Beltline, free-flow drive times run about 10 minutes to Grand Rapids City Hall and the Medical Mile (about 7 miles by road, under 5 in a straight line), 14 to Meijer's headquarters on Walker Avenue, 17 to Gerald R. Ford International Airport and about half an hour to Grand Valley State's Allendale campus, with downtown Holland about 45 minutes and the Capitol in Lansing about an hour and a quarter away. Inside the township, Corewell Health runs a care center at 2750 East Beltline. The township is not one of the six cities that fund The Rapid through a transit millage, so no transit levy appears on its tax bills. Workers here average about 20 minutes each way, and close to 30% work from home (Census Reporter).

Michigan property taxes

Grand Rapids 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 Grand Rapids Township, our 2026 Uncapping Study found taxable value typically rises about 45% the year after a sale. On a $425,000 home, near the typical Grand Rapids Township value, that is roughly $1,960 more in first-year tax at the local median homestead millage. We build your payment on that post-sale number.

Looking at a Grand Rapids Township address? Our Michigan property tax calculator finds that property's published 2025 millage and works out the tax to plan for after you buy.

In Samantha's words

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.

Same district, different rates

One school district, five tax rates

Forest Hills Public Schools crosses five local units, and each one's total homestead rate is different. The first four cards follow that district, and the last two set the township's other districts beside their neighbors. Rates are Michigan Treasury's 2025 totals, post-sale increases in taxable value are from our 2026 Uncapping Study, and each mill adds $1 per $1,000 of taxable value.

Grand Rapids Township, Forest Hills: 28.66 mills

About 88% of the township's homes. Roughly $2,870 a year on $100,000 of taxable value. After a sale, taxable value usually climbs about 45% the next year.

Cascade and Ada townships, Forest Hills: 31.13 and 31.50

The same district next door, about $250 to $285 more each year for $100,000 of taxable value than the township. Typical rise after a sale about 40% in Cascade and 46% in Ada.

City of Grand Rapids, Forest Hills: 36.31 mills

The city's Forest Hills parcels, Knapp's Corner among them, pay about $766 more each year for $100,000 of taxable value, and residents also owe the 1.5% city income tax. Typical rise after a sale about 70%.

Kentwood, Forest Hills: 40.72 mills

About $1,207 more each year for $100,000 of taxable value than the same district inside the township. Typical rise after a sale about 54%.

Township, East Grand Rapids schools: 33.41 mills

The Elmhurst and Morningside side of the township. Inside the City of East Grand Rapids the same district carried 47.50 mills, about $1,409 more each year for $100,000 of taxable value.

Township, Northview schools: 29.74 mills

The north side toward Four Mile Road. In Plainfield Township, Northview homes paid 32.40, about $266 more each year for $100,000 of taxable value.

Local resources

Check Grand Rapids Township records yourself

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

Due diligence

Things to settle on a Grand Rapids Township house

Each item below is particular to Grand Rapids Township and is simplest to settle while your inspection and financing contingencies are still open.

  • The taxing unit. A Grand Rapids, Ada or 49505 address can sit in the township or in the City of Grand Rapids, sometimes on opposite sides of the East Beltline. The parcel record from township assessing settles it. If you or your partner work inside the city, the city's income tax guide explains the nonresident rate.
  • Water, sewer, well or septic. The township's utilities page lists the City of Grand Rapids and Plainfield Township for water and sewer, and its planning page posts the watermain and sanitary sewer atlases. Off those lines, order a well water test and a septic inspection. The township's 2007 plan also flagged older groundwater contamination just north of its line near Hoag Avenue and Four Mile Road, a good reason to test any well on that side.
  • A private road. If the street is private, ask for the recorded road maintenance agreement or the condominium master deed that covers plowing and repaving, because the appraisal will ask who maintains it.
  • The winter bill. Drain, street light and lake weed assessments and any unpaid utility charges land on the winter bill, as the treasurer's tax information page explains. Ask the seller for both bills.
  • Reeds Lake Boulevard. On the lake's east end, check the property in FEMA's Flood Map Service Center and get a flood insurance quote before the offer.
  • After closing. Within 45 days, make sure the township assessor has your Property Transfer Affidavit (township transfer page) and claim Michigan's principal residence exemption, which takes as much as 18 mills of school operating tax off your own residence.

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Grand Rapids Township mortgage questions

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

My listing says Grand Rapids. How do I know the home is in the township?

Check the parcel, because the mailing city will not tell you. The township shares all five of its ZIP codes, and the line with the City of Grand Rapids runs right through Knapp’s Corner. The Census geocoder places the Township Hall at 1836 East Beltline in the township and the Meijer at 1997 East Beltline in the city, and Frederik Meijer Gardens at 1000 East Beltline in the township while Cornerstone University at 1001 is in the city. Some township homes carry other mailing towns too, such as 1998 Red Hill Dr NE, Ada, and 2099 Sandrel Dr NE, Grand Rapids 49505. We pull the parcel record, which shows the unit that sends the tax bill, before building your numbers.

Not as residents. Michigan Treasury lists 24 cities that levy an income tax, and no township is among them. The City of Grand Rapids charges residents 1.5% and nonresidents 0.75%, the rates in place since July 1, 2010, and a nonresident owes it only on income earned inside the city. So a township resident who works downtown pays 0.75% on those wages, about $750 a year on $100,000 before any exemptions, while one who works in the township or elsewhere pays none. Buy a few hundred feet away inside the city instead and every earner in the household becomes a resident taxpayer at 1.5%.

The parcel decides, and the difference is modest inside the township. In 2025 the homestead totals were 28.66 mills with Forest Hills Public Schools, which covers about 88% of the township’s homes, 29.74 with Northview and 33.41 with East Grand Rapids. The bigger gaps appear at the township line: Forest Hills homes paid 31.13 mills in Cascade Township, 31.50 in Ada Township, 36.31 in the City of Grand Rapids and 40.72 in Kentwood.

Most homes are on public water and sewer from the City of Grand Rapids, and Plainfield Township serves part of the northwest. The township’s 2007 plan, still the one it posts, leaves the far northeast outside the water and sewer service areas, so homes there use private wells and septic systems, and it noted several older northwest subdivisions without sanitary sewer. The City of Grand Rapids counted about 4,150 water and sewer accounts in the township in 2012, against about 6,340 homes in the 2010 Census. Ask the seller for a recent water bill or the well and septic records, and test the well before you remove your inspection contingency.

Rarely. When we sampled FEMA’s flood map across the township, only about a third of 1% of its land fell in the high-risk zone, all along the east end of Reeds Lake off Reeds Lake Boulevard, and none beside its smaller lakes. A home inside that zone with a government-backed mortgage must carry flood insurance. Check the address against FEMA’s maps in its Flood Map Service Center before you write the offer.

The township treasurer lists drain assessments, street light assessments and lake weed assessments, along with unpaid water or sewer bills and other delinquent special assessments, all collected on the winter bill. The summer bill carries the school, state education, county operating, Kent ISD and community college levies and can be paid without interest through September 14. Ask for the last two years of bills on the parcel so any charge goes into your escrow estimate.

Often, but the tax changes. Michigan’s homestead break applies to your own residence alone, so a rented Forest Hills parcel in the township paid 46.66 mills in 2025 instead of 28.66, roughly $1,800 extra per $100,000 of taxable value each year. The township’s posted regulatory ordinances include no rental registration program like the City of Grand Rapids’ rental certification, but zoning still applies, and a site condo’s master deed can limit leasing. Ask the township’s planning office and read the condo documents before you count on rental income.

Mostly because the township’s own levy is small. Its 2025 comparison sheet shows 1.5 mills for the township, against 3.98 in Cascade Township, 4.16 in Plainfield Township, 4.34 in Ada Township, 8.86 in the City of Grand Rapids, 12.19 in Kentwood and 14.21 in East Grand Rapids. The rest of the bill is schools, the state education tax, Kent County, Kent ISD, the community college and the Kent District Library. The year after a sale the taxable value resets, and our 2026 Uncapping Study measured a typical rise of about 45% here, against about 70% in the City of Grand Rapids.

Talk with a local mortgage expert

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

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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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