Kent County, Michigan
Local mortgage guidance for Plainfield Township buyers and homeowners, with options shopped across multiple wholesale lenders and one Michigan broker who stays with your file.
Plainfield Township is a charter township in Kent County on the north side of Grand Rapids, home to about 34,700 residents in the Census Bureau's 2024 estimate. The Grand River runs through the southern part of Plainfield Township, and the Rogue River joins it at Belmont, a community platted in 1874 with its own 49306 ZIP code. The median household income in Plainfield Township is near $94,200.
By the numbers
Values move. Treat these as orientation and let us pull current figures for the address you are considering.
Typical home value, from the market research on this page
Typical rise in taxable value the year after a home sells, 2026 Uncapping Study
Effective property tax rate, as a share of value
Residential ZIP code: 49306
Most homes here finance inside the 2026 conforming limit of $832,750, so conventional, FHA and VA are all in play. On the water, check the FEMA flood map for the address early: flood insurance is required on a federally backed loan in a Special Flood Hazard Area, and the premium is part of the payment. 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 Plainfield Township purchase fits well under the 2026 conforming limit of $832,750, so loan size is rarely the constraint.
The market
The typical home value in Plainfield Township is near $326,900, the median for owner-occupied homes in the Census Bureau's American Community Survey, which counts about 11,600 owner-occupied homes here. The median year built is 1985, and Plainfield Township mixes established subdivisions with newer construction and river frontage. Homeowners pay a median of about $3,600 a year in property taxes, an effective property tax rate of about 1.10% of the median value.
Where to look
on the north side of the Grand River at US-131 exit 95, where the Rogue River joins the Grand.
Plainfield Township is split among four districts: Northview Public Schools in the south, Rockford Public Schools in the north (Rockford High School is in the township), and small areas in Comstock Park and Kenowa Hills, so confirm the district for the specific address.
Downtown Grand Rapids is about 8 miles south.
Michigan property taxes
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 Plainfield Township, our 2026 Uncapping Study found taxable value typically rises about 46% the year after a sale: roughly $1,520 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 Michigan, don't just look at the current tax bill. Understand what could happen after ownership changes.
Local resources
The official offices behind the tax and school details on this page.
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Just bought my first home and Ryan Greiner made the mortgage process incredibly quick and easy to understand. He worked hand in hand with my realtor and made sure everything I needed was ready when it had to be. Definitely reccomend Align Lending and Ryan both!
As first time homebuyers we made sure to do our research before choosing a mortgage broker. We decided to go with Align Lending and could not have made a better choice. We worked with Samantha and she made the entire process smooth and easy. The customer service was top notch! The professional, yet caring approach was just what we were looking. We highly recommend Align Lending!
Samantha was absolutely wonderful to work with when we purchased our new home last month. She made herself available day and night for us and was always able to quickly respond to our questions. She made the entire process so comfortable and easy. 10/10 would highly recommend!!
Samantha and align lending are always a pleasure to work with. I recommend my clients here and they always are quick to help, knowledgeable and make the process as smooth as possible. We will definitely keep using them for our mortgage needs in the future.
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.
Individual experiences. Results vary.
If yours is not here, ask it on the call. There are no dumb questions.
The Census Bureau’s American Community Survey puts the median owner-occupied home value near $326,900. Individual homes and neighborhoods range well above and below that.
Plainfield Township is mainly in ZIP codes 49306, 49321, 49341 and 49525. A mailing address does not always match the community that sets the taxes, so check the parcel.
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 Plainfield Township the median homeowner pays about $3,600 a year, and we estimate the post-sale figure for the home you choose.
Northview Public Schools serve the south and Rockford Public Schools the north, with small areas in Comstock Park and Kenowa Hills. Confirm the district for the specific address.
Tell Samantha what you are trying to do in Plainfield Township and she will tell you what actually matters for your situation, including whether the timing is right.
Not what product you want. What you are actually trying to accomplish.
A licensed Align loan officer works out what matters most for you specifically.
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.
