Schools
Macomb Township is served by four public school districts: Chippewa Valley Schools, L'Anse Creuse Public Schools, New Haven Community Schools and Utica Community Schools.
Macomb County, Michigan
Mortgage Lender in Macomb Township, MI
Local mortgage guidance for Macomb Township buyers and homeowners, with options shopped across multiple wholesale lenders and one Michigan broker who stays with your file.
- No credit pull to talk
- Licensed broker, NMLS 1647301
Buying a home in Macomb Township
Macomb Township sits at the geographic center of Macomb County, home to about 94,300 residents in the Census Bureau's 2024 estimate, up from roughly 79,600 in 2010. Settled in the early 1800s by farmers drawn to the flat land along the Clinton River, Macomb Township stayed rural for most of its history, then grew quickly in the 2000s as subdivisions replaced fields. That growth is why so much of Macomb Township's housing is newer construction: half of its homes were built in 2000 or later. Mount Clemens, the county seat, is about 7 miles south, and the median household income in Macomb Township is near $120,700.
By the numbers
Macomb Township housing and mortgage snapshot
Values move. Treat these as orientation and let us pull current figures for the address you are considering.
$387,000
Typical home value, from the market research on this page
+34%
Typical rise in taxable value the year after a home sells, 2026 Uncapping Study
1.08%
Effective property tax rate, as a share of value
2
Residential ZIP codes: 48042, 48044
What financing looks like in Macomb Township
A new build changes the loan process: a builder may offer incentives tied to its own lender, and the appraisal has to support the contract price on a home that has no sales history. Compare the builder's offer against an outside quote before you sign. Most Macomb Township homes finance well inside the 2026 conforming limit of $832,750, so conventional, FHA and VA are all in play. 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. We run the numbers with your actual taxes and insurance before you write an offer.
Nearly every Macomb Township purchase fits well under the 2026 conforming limit of $832,750, so loan size is rarely the constraint.
The market
The Macomb Township housing market
The typical home value in Macomb Township is near $387,000, the median for owner-occupied homes in the Census Bureau's American Community Survey, which counts about 29,100 owner-occupied homes here. Most of the stock is newer construction in planned subdivisions of colonials and ranches, with a median year built of 2000, so buyers here often weigh a resale home against new construction. Homeowners pay a median of about $4,180 a year in property taxes, an effective property tax rate of about 1.08% of the median value.
Where to look
Macomb Township neighborhoods
Macomb Corners
the historic crossroads at Romeo Plank Road and 25 Mile Road in the northwest of the township, near the Middle Branch of the Clinton River.
Waldenburg
the 22 Mile Road area along Romeo Plank Road and the Clinton River, in the middle of the township.
Meade
the northeast corner of Macomb Township at 26 Mile Road and North Avenue, on the line with Ray Township.
Schools and commute
Commute
Downtown Detroit is about 26 miles to the south-southwest.
Michigan property taxes
Macomb 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 Macomb Township, our 2026 Uncapping Study found taxable value typically rises about 34% the year after a sale: roughly $1,190 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
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
Check Macomb Township records yourself
The official offices behind the tax and school details on this page.
- Macomb Township Assessing Department, for parcel records and current taxable value
- Chippewa Valley Schools, for district boundaries and enrollment
- Macomb County Equalization Department, for county property tax records
What our clients say
★★★★★
The pre-approval process for my home search in Bloomfield Hills was fast and organized. Samantha answered all my questions and helped me feel confident moving forward.
★★★★★
Align Lending helped make purchasing my home in Madison Heights a smooth experience. I appreciated the regular updates and clear explanations along the way.
★★★★★
I highly recommend Align Lending to anyone looking for a mortgage broker in Southeast Michigan. The team was knowledgeable, responsive, and easy to work with.
★★★★★
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.
★★★★★
Samantha was extremely helpful during my home loan process in Novi. Communication was quick, the instructions were clear, and everything stayed on track through closing.
★★★★★
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!
Individual experiences. Results vary.
Macomb Township mortgage questions
If yours is not here, ask it on the call. There are no dumb questions.
What is the typical home value in Macomb Township, MI?
The Census Bureau’s American Community Survey puts the median owner-occupied home value near $387,000. Newer homes from active builders can list well above that, so compare like with like.
What ZIP codes cover Macomb Township?
Macomb Township is mainly in ZIP codes 48042 and 48044, and most homes use a Macomb mailing address.
Is it better to buy new construction or resale in Macomb Township?
It depends on the numbers, not the label. Builder incentives can be worth a lot, but compare the full cost, including the rate, fees and the lender the builder wants you to use, against an outside quote.
How will my property taxes change after I 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 Macomb Township the median homeowner pays about $4,180 a year, and we estimate the post-sale figure for the home you choose.
Which schools serve Macomb Township?
Chippewa Valley Schools, L’Anse Creuse Public Schools, New Haven Community Schools and Utica Community Schools all serve parts of the township. Confirm the district for the specific address.
Communities near Macomb Township
Macomb County overviewTalk with a local mortgage expert
Tell Samantha what you are trying to do in Macomb Township and she will tell you what actually matters for your situation, including whether the timing is right.
- 1
Tell us what you are trying to do
Not what product you want. What you are actually trying to accomplish.
- 2
We look at your situation
A licensed Align loan officer works out what matters most for you specifically.
- 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.
