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Lenawee County, Michigan

Mortgage Broker in Hudson, MI

Only about 3% of the land in ZIP code 49247 is the City of Hudson, so a Hudson address can be taxed by the city, a township or even Hillsdale County, and your loan is shopped across multiple wholesale lenders by one Michigan broker.

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What should you know before buying a home in Hudson?

Tucked into far-southwest Lenawee County, Hudson is a farming-and-trades town of roughly 2,415 residents that still calls itself "Small Town Big Heart." Daily life here revolves around the National Register Downtown Historic District along Main Street (M-34) and Hi-Lex Controls, the automotive-cable plant. Lake Hudson Recreation Area, which the city calls the state's only Dark Skies Preserve, is about five miles southeast of town. Typical values here run near $145,000, for in-town houses and rural acreage alike.

By the numbers

What do the numbers say about Hudson housing?

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

$145,000

Typical home value, from the market research on this page

+38%

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

1

Residential ZIP code: 49247

What does financing look like in Hudson?

The market research on this page puts a typical Hudson home near $145,000, from Zillow's estimate for the 49247 ZIP code and Redfin's recent sales. With only a handful of sales in the city each month, one sale can move those figures, so we price from the comparable sales for the street you are looking at. The Census asks owners instead, and its 2020 to 2024 estimate for the city was $110,300, against $150,100 across the whole ZIP code and $192,000 in Hudson Township, where lots are larger and newer homes more common.

A price in this range is well below Lenawee County's 2026 FHA limit of $541,287 and the $832,750 conforming limit, so the loan type comes down to your down payment, your credit and the house itself. The house matters here. By Census count about 46% of Hudson's homes were built in 1939 or earlier, and federal rules require a seller to disclose known lead-based paint in a home built before 1978. A house that needs work can still be financed with a renovation loan that folds the repairs into the mortgage. Check the FEMA flood map for the address too, because a home in a high-risk zone needs flood insurance with a federally backed loan. Eligible first-time buyers can pair a MI Home Loan with MSHDA's MI 10K, $10,000 toward the down payment, owed back once the home is sold, refinanced or paid off, or is no longer your residence, and its $566,355 price cap is far above a typical Hudson sale.

One cost here surprises buyers from nearby towns. Hudson levies its own city income tax: 1% on a resident's income and 0.5% on wages a nonresident earns inside the city, under Ordinance 190, in force since 1971. A household earning $60,000 in wages owes about $600 a year. It is not part of the mortgage payment, but it belongs in the monthly budget we build with you, and a home across the line in Hudson Township does not carry it.

Same schools, different bill: Hudson Area Schools carried 36.56 homestead mills inside the city in 2025 and 28.52 in Hudson Township, about $804 a year apart on each $100,000 of taxable value.

The market

What is the Hudson housing market like?

The typical Hudson home runs about $145,000, with Zillow placing the 49247 ZIP near $138,600 in late 2025 and Redfin showing a median sale price around $147,500 in spring 2026. Hudson's small sales volume makes any single month swing hard, so the multi-month trend says more. Homes average around 59 days on market and sell near 91% of list price. Demand is driven by price, older in-town houses and the pull of rural and lake-access parcels for buyers who want land or outbuildings.

Hudson, MI 49247

Where a Hudson address actually is

The 49247 ZIP code covers about 84 square miles across two counties, and the city is a small piece of it. Land shares come from Census ZIP and township boundaries, millage is Michigan Treasury's 2025 homestead total with Hudson Area Schools, and the rise after a sale is from our 2026 Uncapping Study.

City of Hudson: about 3% of the ZIP

About 2.2 square miles and about 970 homes at the 2020 Census. City water and sewer, the city income tax, and 36.56 homestead mills. Taxable value rose about 38% the year after a sale.

Hudson Township: about a third

The township wraps the city on the north, east and south. City water and sewer serve the city, so a township home usually has its own well and septic system, there is no city income tax, and the homestead total is 28.52 mills. The rise after a sale ran higher, about 55%.

Medina and Rollin townships: about 30%

Lenawee County land to the south and north. Medina is about 19% of the ZIP code and Rollin about 10%. Hudson Area Schools carries 28.55 mills in Medina and 25.78 in Rollin, and parts of these areas sit in other school districts.

Hillsdale County: about 36%

Pittsford, Wright and Wheatland townships, starting at US-127 on the city's west edge. 5000 S Meridian Rd, Hudson is in Pittsford Township. Hillsdale County's offices, not Lenawee's, hold these records. Pittsford's homestead total with Hudson Area Schools was 26.98 mills, and its rise after a sale about 65%.

Where to look

Which neighborhoods make up Hudson?

Main Street downtown, West Street to Bean Creek

The Downtown Hudson Historic District, listed on the National Register, along Main Street (M-34) from West Street east to the Main Street bridge over Bean Creek, with the 1905 Carnegie library at Market and Fayette streets and the city office at 121 N Church Street. Census blocks on this stretch held about 100 homes in 2020, many beside or above storefronts, so ask early how a building with a storefront would be financed.

Tiffin, Jefferson and Buchanan streets

North of downtown between the Bean Creek valley and North Maple Grove Avenue, on Tiffin, Jefferson, Jay and Buchanan streets. One block at the north end of Tiffin Street held about 90 homes in 2020, and the master plan names the north end of Tiffin and the corner of Jefferson and Buchanan among the few places where apartments are allowed. About 135 homes in all. The north side block group shows owner values near $122,600, with a wide margin, and a typical build year of 1944.

Railroad, Willow and West streets

The blocks north of Main between West Street and the creek, out to Water, Cross and Gregory streets near Thompson Field, the football stadium at Tiger Drive and US-127. About 120 homes in 2020. The master plan marks this area for infill and repairs to match the older grid south of Main and lists West and Railroad streets as an apartment site.

Lafayette, Seward and Washington streets

The in-town grid south of Main and west of Church Street, on Lafayette, Seward, Howard, Washington and Cobb streets. The master plan's In-Town Residential area runs from Main Street south to Pleasant Street between Oak and Market streets. With about 170 homes in 2020 it is the largest of the areas on this page. The block group here shows owner values near $95,000, a typical home from 1947, and about four in ten homes built before 1940.

Maple, Center and Division streets on the southwest hill

The southwest corner rises to about 950 feet, and Maple, Center and Division streets drop steeply east toward Bean Creek, per the master plan. Grove, Oak and Pleasant streets run along the crest, with US-127 (Meridian Road) on the west edge. About 115 homes in 2020. Across US-127 the land is Pittsford Township in Hillsdale County, even where the mailing address reads Hudson.

Summit Street and the South Church Street parks

Around the William G. Thompson House Museum, an 1891 Queen Anne house at 101 Summit Street on the National Register, with Thompson Park and Memorial Park on South Church Street at the southern city limits and the Thompson Trail linking them to the Bean Creek Trail. Only about 30 homes in 2020.

Hill Street and the east side above the creek

East of Bean Creek on both sides of East Main Street, on Hill, Wilcox, Lincoln, Joppa and North Wood streets up toward Jefferson Street and North Maple Grove Avenue. About 150 homes in 2020. Most of it falls in a block group where only about half of the homes are inside the city, with owner values near $176,000 and a very wide margin, so the parcel record tells you more than the Census here. The Findlay Trail crosses the east side.

Webster Park and the Wood Street woods

Webster Park at Madison and State streets sits on a bluff about 30 to 40 feet above the Bean Creek fields. To the southeast, School, Spring and South Wood streets lead into the city's wooded edge, where the master plan describes large lots in a rural setting inside the city line. About 80 homes in 2020. The Garrison Drain runs through this side of town.

Maple Grove Avenue, Lincoln School and Will Carleton Park

The north end of town along North Maple Grove Avenue: Lincoln Elementary, the middle and high school on a bluff about 940 feet up, Maple Grove Cemetery, and Will Carleton Park on Cadmus Road with three shelters and two ball fields. Homes cluster near McClellan Street and Meadowbrook and Brookview drives, about 60 in 2020. Wetlands lie near the high school, and open fields east of it separate the homes from the industrial park.

Schools and commute

Schools

All of the City of Hudson lies in Hudson Area Schools, and the city is only about 2.5% of the district's land. The district also covers Hudson, Medina, Rollin and Dover townships in Lenawee County and Pittsford, Wheatland and Wright townships in Hillsdale County. Lincoln Elementary and the middle and high school share the campus along North Maple Grove Avenue. The district is the same on both sides of the city line, but the bill is not: Michigan Treasury's 2025 homestead total with Hudson Area Schools was 36.56 mills in the city, 28.52 in Hudson Township, 28.55 in Medina Township and 26.98 in Pittsford Township. About 29% of the land in ZIP code 49247 sits in other districts (Addison, Waldron, Pittsford and Morenci), so a Hudson mailing address does not settle the school district either. The parcel record does.

Commute

M-34 (Main Street) and US-127 cross inside the city. From City Hall at 121 N Church Street, downtown Hillsdale is about 16 miles and 24 minutes west, downtown Adrian about 19 miles and 28 minutes east, Morenci about 18 miles and 23 minutes, and downtown Jackson about 29 miles and 39 minutes north on US-127. Downtown Ann Arbor is about 62 miles and 77 minutes, downtown Toledo about 55 miles and 80 minutes, and downtown Detroit about 92 miles and two hours by road. The city's industrial park on the east side, a Michigan Certified Business Park since 2010, is home to Hi-Lex Controls, which makes control cables, window regulators and door modules for automakers, along with machine shops such as Malabar Manufacturing, and the park is about 3 minutes from City Hall. The Census puts the average commute for city residents near 28 minutes, and about one worker in 50 works from home. Lake Hudson Recreation Area, a state dark sky preserve, is about five miles southeast.

Day to day

Living in Hudson

Parks, errands, events, seasonal city tasks and the kinds of homes you will see, from the city's parks page, the trash removal page, the chamber of commerce page, Lenawee County, Hudson Carnegie District Library, Census Reporter and the other sources named in each card.

What is there to do around Hudson?

The city's parks page lists three parks: Webster's Park near downtown, Memorial Park off South Church Street, and Will Carleton Park off Cadmus Road at the north edge. Each has a picnic shelter, playground, ball fields and restrooms. Paved trails open year round link the parks, downtown and the Industrial Park, and five of them form a 5 kilometer loop. Lake Hudson State Recreation Area, about five miles southeast, offers camping, fishing, boating and the state's Dark Skies Preserve.

Where do people run errands?

Downtown runs along Main Street, where the Hudson Community Center sits at 323 West Main Street. The Hudson Carnegie District Library, a stone building from 1904, is at 205 South Market Street and is open Monday through Saturday. City Hall, with the assessor and utility billing offices, is at 121 North Church Street, and the city lists online payment links for utility bills and property tax on its home page.

What happens here through the year?

The city's November and December 2026 calendar shows the Christmas Parade on Saturday, December 12 at 6:00 pm and council meetings on Tuesday, November 17 and Tuesday, December 15. The chamber of commerce sponsors downtown trick-or-treating on the Saturday morning before Halloween and Thursday evening summer concerts on the lawn of the Southern Michigan Center for Science and Industry at 550 East Main Street.

What does each season mean for a homeowner?

Trash is collected curbside on Tuesdays, with one cart included on the utility bill. Public Works picks up branches once a month and leaves in autumn, and the city holds one free citywide bulky pickup each spring. Utility bills are due Monday, November 30, then mailed December 2 and due Monday, December 28, so the city calendar is the place to check each month's dates. The trails stay open all winter.

Which kind of home are you after?

Census figures for 2020 to 2024 count 984 homes in the city, and 797 of them are detached houses, the largest group by far. Buildings with two units number 54 and buildings with three or four units number 61. Another 57 homes sit in buildings of five to nineteen units, and 5 are mobile homes. Which of these sits inside the city line also decides whether the city's income tax applies.

Michigan property taxes

What will my property taxes be after I buy in Hudson?

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 Hudson, our 2026 Uncapping Study found taxable value typically rises about 38% the year after a sale. On a $145,000 home, near the typical Hudson value, the first-year tax goes up roughly $740 at the Hudson schools rate. We build your payment on that post-sale number.

Looking at a Hudson 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

I'd much rather somebody ask me, "Why are your taxes higher than what I'm seeing online?" than have them build a housing budget around the wrong assumption.

2025 millage and the city income tax

Hudson's tax bill next to its neighbors'

Millage below is Michigan Treasury's 2025 total for each unit, and each mill adds a dollar per $1,000 of taxable value. The last card is the city income tax, set by the city's own ordinance.

City homestead: 36.56 mills

Every parcel in the city, all in Hudson Area Schools. About $3,656 on every $100,000 of taxable value once the Principal Residence Exemption is filed.

City rental or second home: 54.56

Without the exemption the school operating millage applies, roughly $1,800 more each year on every $100,000 of taxable value.

Hudson Township: 28.52 mills

Same school district just outside the city line, so $100,000 of taxable value costs about $804 less here than in the city.

Pittsford Township: 26.98 mills

The Hillsdale County side of US-127, Hudson Area Schools again, where the same $100,000 of taxable value runs about $958 under the city.

After a sale: about 38% in the city

Our 2026 Uncapping Study found taxable value rose about 38% the year after a sale in the city, about 55% in Hudson Township and about 65% in Pittsford Township.

City income tax: 1% and 0.5%

1% of a resident's income and 0.5% of wages a nonresident earns in the city. Not on the property tax bill, but part of the cost of living inside the city.

Local resources

Check Hudson records yourself

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

Before the purchase agreement

Six things to confirm on a Hudson house

None of these shows up on a listing sheet, and every one is cheaper to learn about before the purchase agreement is signed than after.

  • City or township. A Hudson address can sit in the city, Hudson Township or a Hillsdale County township. The city's Assessor's page links its online parcel records, and the assessor answers at 517-448-8983.
  • The income tax. If the home is in the city, plan for 1% of your income. The city's Income Tax Department page has the instruction booklet and forms.
  • The flood map. Look the address up on FEMA's Flood Map Service Center while the offer is still being written. In a high-risk zone the lender requires flood insurance.
  • The sewer lateral. Have the sewer line scoped during the inspection. The city's sewer project replaces public laterals only up to the right of way, so the line from there to the house is the owner's.
  • Well and septic outside the city. Township homes usually draw from a private well and drain to a septic system, so a lender may ask for a water test and the inspection should cover both.
  • The exemption after closing. File the Principal Residence Exemption with the city assessor, or the bill runs at 54.56 mills instead of 36.56. Lenawee County Equalization at 517-264-4522 handles county records.

The neighborhood counts on this page are 2020 Census blocks, and the price figures are Census estimates for block groups that run past the city line, so treat them as orientation and let us pull the sales for the street you are considering.

What our clients say

5.0 on Google across 123 reviews

★★★★★
As a first-time homebuyer in Ferndale, I was unsure of some things. Samantha was awesome. She was extremely helpful and made sure I understood every part of the process.
Peter RosaAugust 2026
★★★★★
Want to shout out Samantha for the expert guidance, made my first-time homebuyer experience seamless! It exceeded expectations and was a stress free process throughout. Grateful for all your help and loving my new home in Bloomfield Hills!
MichaelJuly 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 HolleyFebruary 2026
★★★★★
Can’t say enough great things about Samantha and her team at Align Lending! Highly recommend
Justin BartonJune 2024

Individual experiences. Results vary.

Hudson mortgage questions

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

What are Hudson houses going for in 2026?

The market research on this page puts a typical home near $145,000: Zillow placed the 49247 ZIP code near $138,600 in late 2025 and Redfin’s median sale ran about $147,500 in spring 2026. With few sales each month, that number can swing. The Census figure of $110,300 measures something else, what owners in the city told the Census their homes would sell for, pooled over 2020 to 2024, and across the whole ZIP code it was $150,100.

Often not. The city covers only about 3% of the ZIP code’s land. About 64% of 49247 is in Lenawee County, mostly Hudson, Medina and Rollin townships, and about 36% is in Hillsdale County, in Pittsford, Wright and Wheatland townships. The Census geocoder places 300 W Main St in the city, 4000 Cramer Hwy in Hudson Township and 5000 S Meridian Rd in Pittsford Township, Hillsdale County, all with Hudson addresses. Each is taxed by a different unit, so we confirm the parcel first.

They do. Under Ordinance 190, in force since January 1971, city residents pay 1% and nonresidents pay 0.5% on wages earned inside the city. Residents with $1,000 or more of income file each year, returns are due by the end of April, and income that is only Social Security or pension is exempt. A home in Hudson Township carries no city income tax unless someone in the house works inside the city.

Inside the city it is always Hudson Area Schools, at 36.56 homestead mills in 2025. Outside the line the same district carries 28.52 mills in Hudson Township and 26.98 in Pittsford Township, and parts of the 49247 ZIP code are in Addison, Waldron, Pittsford or Morenci schools. A rental or second home in the city pays the 54.56-mill non-homestead total.

Search the address on the FEMA Flood Map Service Center before you write the offer, because the map is read address by address. A home in a high-risk zone needs flood insurance with a federally backed mortgage, so get a quote while you can still negotiate.

The city runs its own water and sewer, with a water treatment plant, two water towers and about 23 miles of water main. From July 2026 usage the basic bill is $76.21, covering trash, the water and sewer ready-to-serve charges and a sewer bond charge, plus $3.23 per 1,000 gallons of water and $6.69 per 1,000 gallons of sewer. A sewer rehabilitation project financed through the state, about $805,000, was expected to add about $1.57 a month.

Close to half of the city’s homes were built in 1939 or earlier. Federal rules make the seller of a pre-1978 home disclose any lead-based paint they know of, and peeling paint is worth a close look. Ask about the sewer lateral too: the city’s rehabilitation plan replaces public laterals only up to the right of way, so the line from there to the house is the owner’s. A sewer scope during the inspection is money well spent on a house this age.

Yes, and about a quarter of the city’s households rent. Plan for two costs. A rental pays the 54.56-mill non-homestead total instead of 36.56 mills, about $1,800 more a year for each $100,000 of taxable value, and net rental income from city property is subject to the city income tax for nonresident owners too. We can work the numbers on the address before you offer.

Talk with a local mortgage expert

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

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    Tell us what you are trying to do

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  2. 2

    Samantha looks at your situation

    She works out what matters most for you specifically.

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    You leave with a plan

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Sources

Where do the Hudson figures on this page come from?

29 sources behind the Hudson figures above, every link checked November 2026.

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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