Schools
Children attend the Anchor Bay School District (Lighthouse and Ashley Elementary, Anchor Bay Middle School North, Anchor Bay High School).
Macomb County, Michigan
Mortgage Lender in New Baltimore, MI
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Buying a home in New Baltimore
Few Macomb County addresses feel as distinctly nautical as New Baltimore, a city of roughly 12,072 residents perched on Anchor Bay at the edge of Lake St. Clair. Once a shipping and barrel-making port, the 48047 ZIP now runs as a waterfront commuter community where deep-water canals, a walkable downtown along Washington and Front Streets, and Walter and Mary Burke Park anchor daily life. Local household income is unusually healthy at about $106,033, per Data USA, and that buying power shows up in everything from the Bay-Rama Fishfly Festival crowds to the boats lined along the marinas. Most workers commute out to Metro Detroit's automotive and service economy, while the Anchor Bay School District and nearby Selfridge Air National Guard Base remain steady regional employers. For context on the city's history, see its Wikipedia entry.
By the numbers
New Baltimore housing and mortgage snapshot
Values move. Treat these as orientation and let us pull current figures for the address you are considering.
$332,000
Typical home value, from the market research on this page
+40%
Typical rise in taxable value the year after a home sells, 2026 Uncapping Study
1.28%
Effective property tax rate, as a share of value
1
Residential ZIP codes
What financing looks like in New Baltimore
To comfortably carry the ~$385,000 median home with 10-20% down at current rates, plan on a household income in the $105,000-$120,000 range, almost exactly New Baltimore's $106K median, so 48047 stays reachable for many local families. Budget for Macomb County's effective property tax rate near 1.28%; inside the city, Anchor Bay district homestead millage has run around 41 mills (about 59 non-homestead), and Michigan's Proposal A caps how fast your taxable value climbs once you own. First-time buyers should ask about MSHDA down-payment assistance. Most inland and downtown purchases stay within conforming limits, but Bay Pointe, Lottivue, and canal-front estates routinely push into jumbo financing, which we structure regularly.
Nearly every New Baltimore purchase fits well under the 2026 conforming limit of $832,750, so loan size is rarely the constraint.
The market
The New Baltimore housing market
Home values in 48047 land in a wide band depending on methodology: Zillow puts the typical value near $331,600, while late-2025 median sale prices ran around $367,500 and median list prices closer to $385,000-$395,000. Values have climbed roughly 3-5% year over year, and well-priced listings tend to move in about 38-45 days, though individual homes swing widely from under a week to two months. Demand is driven by the obvious: direct Anchor Bay access, deep-water canal frontage for boaters, a historic downtown, and a reliable I-94 commute. That mix keeps inventory tight at the waterfront end while inland three-bedrooms stay attainable for local dual-income families.
Schools and commute
Commute
Downtown Detroit sits about 36 miles south, roughly 40-50 minutes via I-94 exits 240, 243, and 247.
Michigan property taxes
New Baltimore 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 New Baltimore, our 2026 Uncapping Study found taxable value typically rises about 40% the year after a sale: roughly $1,740 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
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.
Local resources
Check New Baltimore records yourself
The official offices behind the tax and school details on this page.
- City of New Baltimore Assessing Department, for parcel records and current taxable value
- Anchor Bay School District, for district boundaries and enrollment
- Macomb County Equalization Department, for county property tax records
What our clients say
★★★★★
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.
★★★★★
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 !
★★★★★
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!
★★★★★
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
★★★★★
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!
★★★★★
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!
Individual experiences. Results vary.
New Baltimore mortgage questions
If yours is not here, ask it on the call. There are no dumb questions.
What is the median home price in New Baltimore, MI (48047)?
Typical homes in 48047 run around $330,000-$395,000 depending on the source. Zillow pegs the typical home value near $331,600, while late-2025 median sale prices were around $367,500 and median list prices closer to $385,000-$395,000. Prices have risen roughly 3-5% year over year.
How much income do I need to buy a home in New Baltimore?
To comfortably afford the ~$385,000 median home with about 10-20% down at current rates, you’d generally want a household income in the $105,000-$120,000 range. That lines up closely with the city’s median household income of about $106,000, which makes 48047 attainable for many local dual-income families.
What are property taxes like in New Baltimore?
Macomb County’s effective property tax rate averages about 1.28% of value. Within the City of New Baltimore (Anchor Bay school district), homestead millage has been around 41 mills and non-homestead around 59 mills. Michigan’s Proposal A caps how fast your taxable value can rise each year while you own the home, which helps keep increases predictable.
Which school district serves New Baltimore, 48047?
New Baltimore is served by Anchor Bay School District, which also covers parts of Casco, Chesterfield, Ira and Lenox townships. Schools inside the city include Lighthouse Elementary, Ashley Elementary and Anchor Bay Middle School North, with Anchor Bay High School serving older students.
How long is the commute from New Baltimore to downtown Detroit?
It’s about 36 miles to downtown Detroit, mostly a straight run down I-94 with exits 240, 243 and 247 serving the area. Plan on roughly 40-50 minutes by car depending on rush-hour traffic, which makes New Baltimore a popular waterfront commuter community.
What makes New Baltimore a distinct place to buy a home?
New Baltimore is a historic waterfront community on Lake St. Clair’s Anchor Bay, blending a walkable downtown shopping district, beaches and parks like Walter and Mary Burke Park, deep-water canal homes for boaters, and Michigan’s tallest flagpole. You can buy anything from an inland 3-bedroom in the mid-$300s to a million-dollar waterfront estate in Bay Pointe or Lottivue, all within commuting distance of Metro Detroit.
Communities near New Baltimore
Macomb County overviewTalk with a local mortgage expert
Tell Samantha what you are trying to do in New Baltimore 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
Not what product you want. What you are actually trying to accomplish.
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We look at your situation
A licensed Align loan officer works out what matters most for you specifically.
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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.
