Align Lending

Align Lending logo
Apply Now
Align Lending logo

Washtenaw County, Michigan

Mortgage Broker in Milan, MI

Milan sits on the Washtenaw and Monroe county line, with one school district, two county tax rates and a 48160 ZIP that reaches well past the city limits.

Start my applicationTalk with Samantha
  • No credit pull to talk
  • Licensed loan originator, NMLS 1647301
  • 5.0 on Google, 123 reviews

What should you know before buying a home in Milan?

Milan sits 17.1 miles and about 26 minutes from downtown Ann Arbor, measured from City Hall without traffic. The Census Bureau's 2024 estimate puts the median owner-occupied home value at $247,100 for the whole city, with a margin of about $12,963, reading $242,200 on the Washtenaw side and $262,500 on the Monroe side.

Before you compare listings, note that ZIP 48160 also reaches into York, Milan, London and Augusta townships, so the municipality on the tax bill is the one to use.

By the numbers

What do the numbers say about Milan housing?

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

$255,000

Typical home value, from the market research on this page

+47%

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

1.20%

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

1

Residential ZIP code: 48160

What does financing look like in Milan?

Milan's median owner-occupied home value is $247,100 across the whole city, according to the Census Bureau's 2024 American Community Survey, with a margin of about $12,963. The Washtenaw side reads $242,200 and the Monroe side $262,500. By Census block group the medians run from $217,800 in the older blocks around Main Street to $282,700 in the Meadowbrook area, and the page's typical value of $255,000 comes from Zillow. Those prices sit well under the 2026 conforming limit of $832,750 and the FHA limit of $541,287, so conventional and FHA purchases stay inside standard loan limits, and the loan limits lookup shows the numbers for any county. USDA's own map decides which addresses count for a USDA loan, and the USDA address check reads that map for a specific address, and the USDA loan basics guide explains the program. See the FHA, conventional, VA and USDA loan pages, then use the home affordability calculator to see how your own income and debts set the range. The debt-to-income guide and the first-time home buyer guide cover the next steps.

Several local details shape a Milan loan file. Inside the city, water comes from four city wells and sewer runs to the city's treatment plant, so a house connected to city water and sewer does not need a well or septic evaluation, while a township address with a Milan mailing address often does, and the septic system guide covers that step. Condominium and site condominium projects are regulated in Article 10 of the city's zoning ordinance, and a lender reads the master deed, bylaws and budget, as the condominium financing guide explains. The city requires rentals to be registered and certified under Ordinance No. 2022-05, which matters if a purchase is meant to be rented. For flood zones, look up the address on the FEMA Map Service Center and, if it sits in a high-risk zone, expect the lender to require flood insurance. Ask whether the home is on the Washtenaw or Monroe side, because that sets the tax rate and the county equalization office that keeps its records.

Taxes follow the county line. At a taxable value of $127,500, Treasury's 2025 homestead rates of 51.9861 mills and 50.8861 mills work out to about $6,628 a year on the Washtenaw side and about $6,488 on the Monroe side. That is an illustration, not a bill, because the assessor sets taxable value, and the property tax calculator finds the exact 2025 rate for an address. The taxable value guide explains the reset, the escrow guide shows how tax bills are paid through a mortgage, and the first-time buyer programs guide covers Michigan's down payment help.

Talk with SamanthaCompare loan options

Milan is one city in two counties, so the 2025 homestead rate for Milan Area Schools is 51.9861 mills on the Washtenaw side and 50.8861 mills on the Monroe side, according to Michigan Treasury.

Before you write the offer

What should you settle before you make an offer on a Milan house?

These points come from the city's own pages, including its rental certification presentation, its zoning ordinance and its water page. Your inspection checklist, the closing costs guide, the appraisal guide, the condominium pros and cons and the manufactured home guide cover the rest.

Which side of the county line is the parcel on?

The county decides the 2025 homestead rate, 51.9861 mills on the Washtenaw side or 50.8861 on the Monroe side, and decides which county equalization office keeps the records. The parcel record at the assessor's office shows the side.

Is the home on city water and sewer?

Inside the city, water comes from four city wells and sewer runs to the city's treatment plant, billed monthly with rubbish. A township address with a Milan mailing address can have a private well and septic, which adds a well and septic evaluation to the inspection list.

Is it a subdivision lot or a site condominium?

Article 10 of the zoning ordinance regulates single-family site condominiums like subdivisions. A condominium or site condominium purchase adds the master deed, bylaws and budget to the documents the lender reviews.

Will the home be rented?

Milan requires rentals to register and be certified under Ordinance No. 2022-05, with inspections every two years. Tell your loan officer before the offer, because a rental purchase is underwritten differently.

Does the address sit in a FEMA flood zone?

Look up the address on FEMA's Map Service Center. A high-risk zone means the lender requires flood insurance, so get a quote before you write the offer.

Are there special assessments on the parcel?

Ask the city treasurer at 734-439-1501 whether any special assessment applies to the parcel. A special assessment is added to the tax bill and paid in yearly installments.

The market

What is the Milan housing market like?

The typical Milan home is valued around $255,000, up about 2.6% over the past year. Active listings have skewed noticeably higher in 2026, with a median list price near $350,000 and RealtyTrac sale data landing around $330,000, a wide spread that reflects how small and varied the 48160 housing stock is, from century-old downtown Victorians to brand-new site-condos. Homes spend a median of about 47 days on the market, essentially flat versus a year ago. Demand here is driven less by frenzy and more by fundamentals: the Ann Arbor commute (only 12 to 15 miles), Milan Area Schools, and a limited supply of new construction.

Census figures

How do Milan home values differ on each side of the county line?

Figures come from the Census Bureau's 2024 American Community Survey, with the 2025 homestead rate from Michigan Treasury. The Washtenaw County overview and the Monroe County overview cover each county, and the rent vs. buy calculator and the full calculator list help weigh a purchase.

What do homes cost on the Washtenaw side?

The Census counts 3,831 people and 1,188 owner-occupied homes on this side, with a median owner value of $242,200 and a margin of about $9,958. The 2025 homestead rate is 51.9861 mills.

What do homes cost on the Monroe side?

The Census counts 2,156 people and 593 owner-occupied homes here, with a median owner value of $262,500 and a margin of about $21,240. The 2025 homestead rate is 50.8861 mills.

What do homes cost across the whole city?

Together the two sides count 5,987 people, 1,781 owner-occupied and 824 renter-occupied homes, a median owner value of $247,100 with a margin of about $12,963, and a typical year built of 1969.

Where to look

Which neighborhoods make up Milan?

Downtown Milan and Main Street

Main Street, West Main, East Main, Church Street and First Street form the older center, which the 2009 master plan calls the central business district. The Census block group around it reports a median owner home value of $217,800, with a margin of about $13,838, a typical year built of 1952, and 398 owner-occupied and 350 renter-occupied homes. It sits on the Washtenaw County side, at the 2025 homestead rate of 51.9861 mills. Tolan Square, in the downtown, hosts the city's summer concert series.

Hurd, Ferman and Church streets

Hurd Street, Ferman Street and Church Street, with Oak Street and Ann Street, sit in the older grid beside Main Street. The 2009 master plan's history notes a school built at the corner of Hurd and Ferman in 1862. The two Washtenaw block groups that share these streets report median owner values of $217,800 and $231,300 and typical build years of 1952 and 1951, so the age and updates of a single house tell you more than its street does.

River Pointe and Yorkshire Square

River Pointe Court, Yorkshire Square, Argyle Crescent, Bodley Crescent and Greentree Lane sit west of downtown near Platt Road, on the Washtenaw side. They share a Census block group with downtown, so the $217,800 median, the margin of about $13,838 and the 1952 typical build year describe the whole block group, not these streets alone. Ask the assessor for the year built and taxable value of the specific home.

Federal Avenue and Spink Avenue

Federal Avenue, Spink Avenue and the Braman, Lewis, Miller and Phillips avenues make up a grid east of downtown, on the Washtenaw side. The Census block group reports 385 owner-occupied and 40 renter-occupied homes, a median owner value of $231,300 with a margin of about $10,371, and a typical year built of 1951. The 2025 homestead rate here is 51.9861 mills.

Meadowbrook

Meadowbrook Boulevard, Kennedy Boulevard and streets named for presidents and wildflowers lie north of downtown, off East Arkona Road. The 2009 master plan lists Meadowbrook among the developments that added about 173 acres of single-family land after 2001. The Census block group reports a median owner value of $282,700, a margin of about $21,618, a typical year built of 2003 and 405 owner-occupied homes, at the Washtenaw side's 51.9861 mills.

Riverbend

Riverbend Drive, Stonehaven Court, Silver Fox, Lauff Drive and Ann Marie Drive lie south of Main Street, on the Monroe County side. The Census block group is mixed, with 219 owner-occupied and 330 renter-occupied homes, a median owner value of $268,400 with a wide margin of about $41,922, and a typical year built of 1986. The 2025 homestead rate is 50.8861 mills.

Squires Drive and Richards Boulevard

Squires Drive, Richards Boulevard, Canfield Street and Anderson Street sit in the same Monroe block group as Riverbend. The city's public works yard is at 455 Squires Drive. The Census counts 214 detached homes, 73 attached homes and 184 homes in buildings of 10 to 19 units in the block group, so a purchase here may be a condominium unit, which adds association documents to the lender's review.

Allen Road and Dexter Street

The Monroe County block group south and east of downtown takes in Allen Road, Dexter Street, Wabash Road and Gump Lake Road, plus lanes named for birds such as Goldfinch and Bobwhite. It counts 374 owner-occupied and 13 renter-occupied homes, a median owner value of $259,500 with a margin of about $31,959, a typical year built of 2002 and 60 manufactured homes. The 2025 homestead rate is 50.8861 mills.

Platt Road and Wilson Park

Platt Road, which the city's parks page gives as 223 Platt Road, crosses the county line. Its north end lies in the Washtenaw block group with the downtown figures, a $217,800 median and a 1952 typical build year, and its south end lies in the Monroe block group around Riverbend, at $268,400 and 1986. The county side of the house decides the tax rate, 51.9861 or 50.8861 mills, so confirm it on the parcel record.

Schools and commute

Schools

Milan Area Schools is the only school district that covers the City of Milan, according to Michigan Treasury's 2025 rate table and the Census Bureau's school district boundaries. The district's About page describes nearly 90 square miles across Washtenaw and Monroe counties, four school buildings and an enrollment of approximately 2,000 from birth to age 26. Inside the city, the district is the same on every block. What differs is the county: Treasury's 2025 table lists 51.9861 homestead mills and 69.9555 non-homestead mills for the Washtenaw side, and 50.8861 and 68.8555 for the Monroe side, a gap of 1.1 mills. A Milan mailing address outside the city line can sit in a different district. In Treasury's table, York Township lists Lincoln Consolidated and Saline Area alongside Milan Area, Augusta Township lists Lincoln Consolidated, Milan Township lists Dundee Community and Britton Deerfield, and London Township lists Dundee Community. Confirm the district for the exact parcel with the city assessor or the Michigan property tax calculator, which reads the published 2025 rate for an address.

Commute

From Milan City Hall at 147 Wabash Street, OSRM driving routes without traffic put downtown Ann Arbor at 17.1 miles and about 26 minutes, the University of Michigan Hospital at 16.9 miles and about 26 minutes, and Eastern Michigan University in Ypsilanti at 16.3 miles and about 25 minutes. Saline is 8.0 miles and about 15 minutes, Dundee 10.3 miles and about 13 minutes, Monroe 24.2 miles and about 35 minutes and Detroit Metro Airport 30.9 miles and about 38 minutes. Toledo is 38.6 miles and about 46 minutes, and downtown Detroit is 48.9 miles and about 59 minutes. The city's 2009 master plan names US-23 as the main route to Ann Arbor, Ypsilanti and Toledo, and the Milan Plaza listing describes direct access from US-23. The Census Bureau's American Community Survey reported 3,434 workers in Milan in 2024, with 2,502 driving alone and 445 working from home. Of the 2,989 workers who travel to a job, 425 reported a trip of 30 to 34 minutes each way. Jobs inside the city include the Milan Industrial Park and the commercial area near US-23, as the master plan describes them, and the Milan Area Chamber member directory groups local employers into categories that include manufacturing, production and wholesale, health care and home services.

Day to day

Living in Milan

Parks, errands, events, seasonal city tasks and the kinds of homes you will see, from the city's parks page, the city events page, the Milan Events calendar, Milan Public Library, the Sun Times News report on Wilson Park and the other sources named in each card.

What is there to do around Milan?

The city's parks page lists 139 acres of parkland. Wilson Park began in 1921 when Charles Wilson donated land to the village for one dollar. The Sun Times News reported its 2025 upgrades after an October 11, 2025 ribbon cutting: an accessible playground, a basketball court, the city's first pickleball courts, a fitness circuit with nine stations along a paved path, flushable restrooms and drinking fountains. Nature Park has a pavilion, a playground, a kayak launch and a bicycle pump, and Vern R. Campbell Park is the third city park. The Blue Star Memorial and the Veterans Wall are at Wilson Park, and Milan in Motion ran its Nature Week there in June 2026.

Where do people run errands?

Milan Plaza at 513 to 531 West Main Street is anchored by Kroger and Ace Hardware, with direct access from US-23, according to the city's property listing. The Milan Public Library is at 151 Wabash Street and is open Monday, Wednesday and Friday from 10 to 6, Tuesday and Thursday from 1 to 8 and Saturday from 10 to 4. The Treasury office at City Hall, 147 Wabash Street, is open Monday through Thursday from 7:30 to 5. The Milan Area Chamber's member directory sorts businesses into categories such as shopping, health care, home services and automotive.

What happens here through the year?

The city's events page lists 3rd Thursdays, Live from Tolan Square, Milan in Motion, an Easter egg hunt, a holiday parade and Pop on Main Street among the events the city, its parks department and the Downtown Development Authority present. In 2026, 3rd Thursdays ran June 18, July 16, August 20 and September 17 from 5 to 8 PM, and Milan in Motion ran Nature Week June 22 to 26, Arts Week July 6 to 10 and Trades Week August 3 to 6. The Milan Events calendar lists the Downtown Milan Holiday Parade on Saturday, December 5, 2026 and Moonlight Madness in Downtown Milan on Saturday, December 12, 2026. City Council meets at 7 PM on the first and third Tuesdays of each month.

What does each season mean for a homeowner?

Trash goes out Tuesdays in the city-provided tote, recycling every other week, and yard waste at the curb on Tuesdays from April through November in kraft paper bags or marked containers of 32 gallons or less, according to the city's trash and recycling page. Brush chipping runs Wednesdays May through September and loose leaf pickup runs October through November, weather permitting. Sidewalk snow and ice must be cleared within 48 hours after a storm ends under the city code, and Dexter, Main, Platt, Redman and Wabash are plowed first. Tax bills follow the state calendar, with summer taxes due September 14 and winter taxes due in mid-February unless a charter sets another date. The Treasury office takes payments Monday through Thursday, in a drop box outside the police department, or online with a 3% convenience fee. Call 811 before digging.

Which kind of home are you after?

Older homes on the street grid around Main Street sit in Census block groups with typical build years of 1952 and 1951 and median owner values of $217,800 and $231,300. Newer subdivision homes cluster in the Meadowbrook area, where the typical build year is 2003 and the median owner value is $282,700, and on the Monroe side south and east of downtown, where they are 2002 and $259,500. The Monroe block group around Squires Drive counts 184 homes in buildings of 10 to 19 units, and the block group south and east of downtown counts 60 manufactured homes, with a Manufactured Housing Park district in the zoning ordinance. A condominium adds association documents to the lender's review, a manufactured home follows its own property rules, and the county side sets the millage. Parcels in the townships around the city use township millage and may use a well and septic.

Michigan property taxes

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

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 Milan, our 2026 Uncapping Study found taxable value typically rises about 47% the year after a sale. On a $250,000 home, near the typical Milan value, the first-year tax goes up roughly $2,060 at the Milan schools rate. We build your payment on that post-sale number.

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

How Michigan taxable value works

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.

Treasury 2025 rates

How does Milan's 2025 homestead rate compare with nearby townships?

Each card lists homestead and non-homestead mills from Michigan Treasury's 2025 Total Property Tax Rates. Inside the city, the homestead rate runs about 14 to 18 mills above the township rates for Milan Area Schools, because a city parcel also pays the city's own levy. The property tax calculator finds the published rate for an address, and the property tax assessment guide explains how assessments work.

What does a Milan parcel on the Washtenaw side pay?

Milan Area Schools: 51.9861 homestead mills and 69.9555 non-homestead mills.

What does a Milan parcel on the Monroe side pay?

Milan Area Schools: 50.8861 homestead mills and 68.8555 non-homestead mills.

What does a York Township parcel pay?

Milan Area Schools: 35.7974 and 53.7668 mills. Lincoln Consolidated: 33.9886 and 51.9886. Saline Area: 34.0199 and 52.0199.

What does an Augusta Township parcel pay?

Milan Area Schools: 36.7616 and 54.7310 mills. Lincoln Consolidated: 34.9528 and 52.9528.

What does a Milan Township parcel pay?

Milan Area Schools: 36.0195 and 53.9889 mills. Dundee Community: 29.7880 and 47.7880. Britton Deerfield: 30.7356 and 48.7356.

What does a London Township parcel pay?

Milan Area Schools: 34.2878 and 52.2572 mills. Dundee Community: 28.0563 and 46.0563.

Local resources

Check Milan records yourself

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

What our clients say

5.0 on Google across 123 reviews

★★★★★
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
★★★★★
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
Read all reviews on Google

Individual experiences. Results vary.

Milan mortgage questions

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

Is every Milan, MI 48160 address inside the City of Milan?

No. The City of Milan is only about 1 in 20 acres of the 48160 ZIP, based on Census Bureau boundaries. The rest sits in York Township at about 31%, Milan Township at about 30%, London Township at about 19% and Augusta Township at about 16%. A mailing address does not say which township or school district taxes a parcel, so check the city assessor’s page for city parcels or run the address through the Michigan property tax calculator.

Milan Area Schools covers every address inside the City of Milan. Outside the city line it can differ, according to Michigan Treasury’s 2025 rate table. York Township lists Lincoln Consolidated and Saline Area alongside Milan Area, Augusta Township lists Lincoln Consolidated, Milan Township lists Dundee Community and Britton Deerfield, and London Township lists Dundee Community. Ask the assessor which district a specific parcel belongs to.

Yes, by a small amount. Treasury’s 2025 table lists 51.9861 homestead mills and 69.9555 non-homestead mills for the Washtenaw side, and 50.8861 and 68.8555 for the Monroe side, a gap of 1.1 mills. The taxable value guide covers the reset: In Michigan, a home’s taxable value is capped while one owner holds it. The year after it sells, that cap comes off and taxable value resets to the state equalized value, which is half of the assessor’s estimate of market value, not automatically half of what you paid.

The City of Milan assessor’s office values every parcel in the city, on both sides of the county line. It works from City Hall at 147 Wabash Street, at 734-439-1501 extension 2002, with office hours on Tuesday and Thursday from 8 AM to 4 PM, according to the city’s Assessing page. The assessor handles legal descriptions, lot sizes, ownership, principal residence exemptions and property transfer affidavits. Washtenaw County Equalization and Monroe County Equalization keep the county side of the records.

Yes. The city’s water page says supply comes from four wells, with 27 miles of water main and two 500,000-gallon storage towers, and the wastewater page lists about 17.7 miles of sanitary sewer lines, 300 manholes and 7 lift stations. Water, sewer and rubbish are billed monthly. Under the city’s public works FAQ, the owner is responsible for the sewer line from the house to the street connection and for the water supply line from the meter to the curb stop. A township address with a 48160 mailing address may use a private well and septic instead, and the well water guide covers how that affects a purchase.

Look the address up on the FEMA Map Service Center, which shows the flood zone on the current map. If the home sits in a high-risk zone, the lender requires flood insurance, so get an insurance quote before you write an offer. The flood zone guide walks through the steps, and the city’s building and zoning department at 734-439-1501 answers permit and zoning questions for a parcel.

Yes, but the city requires rentals to be registered and certified. City Council adopted a Property Maintenance Code and Rental Housing Certification ordinance, Ordinance No. 2022-05, which sets one-time registration for the life of ownership, inspections every two years and certification for two to three years per cycle, according to the city’s rental certification presentation from February 2023. Lenders treat a rental purchase differently from a home you will live in, so say so before you write the offer.

A site condominium means you own the home and its building site, and the development is regulated much like a subdivision. Article 10 of the city’s zoning ordinance applies the district’s minimum lot and other requirements to single-family site condominiums, and the Planning Commission reviews the site plan. A lender reads the master deed, bylaws and association budget, so ask for them early, and the condominium financing guide lists what the lender checks.

Communities near Milan

Washtenaw County overview

Guides for Milan buyers

Browse the Learn Center

Loan options

See every loan option

Talk with a local mortgage expert

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

Talk with SamanthaStart my application
  1. 1

    Tell us what you are trying to do

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

  2. 2

    Samantha looks at your situation

    She 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.

Sources

Where do the Milan figures on this page come from?

32 sources behind the Milan 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.

Scroll to Top
Align Lending logo