Schools
All of 48170 feeds Plymouth-Canton Community Schools, Michigan's 5th-largest district (about 16,200 students, 25 schools).
Wayne County, Michigan
Mortgage Broker in Plymouth, MI
Local mortgage guidance for Plymouth 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 loan originator, NMLS 1647301
Buying a home in Plymouth
Tucked between metro Detroit and Ann Arbor, the 48170 ZIP wraps the small City of Plymouth around the much larger Plymouth Charter Township, together roughly 41,000 residents across about 17,720 households. The local economy leans on automotive engineering and precision manufacturing, with employers like Adient, Brembo, Varroc, and a Rivian R&D presence layered over a walkable boutique downtown of 75-plus shops and restaurants anchored by Kellogg Park and the restored 1941 Penn Theatre. Seasonal draws like the Plymouth Ice Festival and the Plymouth Fall Festival (running since 1956) keep the area lively year-round. With a median household income around $112,000 and easy access to I-96 and M-14, it functions as a bedroom community for professionals working in both Detroit and Ann Arbor.
By the numbers
Plymouth housing and mortgage snapshot
Values move. Treat these as orientation and let us pull current figures for the address you are considering.
$500,000
Typical home value, from the market research on this page
+36%
Typical rise in taxable value the year after a home sells, 2026 Uncapping Study
1
Residential ZIP code: 48170
What financing looks like in Plymouth
At a roughly $500,000 median, plan on roughly $130,000 to $150,000 in household income to buy comfortably; principal, interest, taxes and insurance fit standard lending guidelines at about $134,000 of income. Property taxes matter here: the median annual bill is about $3,851 at a Wayne County effective rate near 1.31%, and the year after a sale taxable value resets to half of the assessor's estimate of market value, so budget for a higher bill than the seller paid. MSHDA programs and FHA/VA/conventional low-down options all work in Plymouth; confirm loan limits and any program price caps before you shop.
Most Plymouth purchases fit under the 2026 conforming limit of $832,750; only the largest homes need a jumbo loan.
The market
The Plymouth housing market
Plymouth is one of Wayne County's pricier markets. The typical 48170 home sits around $500,000, with sources ranging from about $480,000 (Zillow) to $605,000 (Redfin, for the smaller City of Plymouth) depending on whether you measure the City or the broader ZIP. Year-over-year gains read anywhere from a typical mid-single-digit pace to an outlier +34.2% that low inventory likely inflated. What's not in doubt is the speed: homes generally go pending in about 9 days, "hot" listings in roughly 5, and Redfin scores the market 81/100 for competitiveness, with many homes closing about 2% over list. Limited supply and downtown walkability drive that demand.
Where to look
Plymouth neighborhoods and nearby
Downtown Plymouth
Walkable historic district around Kellogg Park, older homes and condos commanding a premium for location and charm. Prices run about $400,000 to $1,000,000 and up.
Lake Pointe / Lake Pointe Village
Established Plymouth Township subdivision south of Five Mile and west of Haggerty; buyers pay up for the setting. Prices run about $400,000 to $700,000 and up.
Trailwood (in Plymouth Township)
Popular neighborhood of mostly move-in-ready 1970s single-family homes. Prices run about $400,000 to $600,000.
Plymouth Pointe
144 ranch-style condos (built 1993 to 1995, 1,000 to 2,000 sq ft), an affordable entry point and a downsizer favorite. Prices run about $160,000 to $300,000.
Plymouth Township (broader)
Newer subdivisions and larger lots that make up the bulk of 48170's housing stock. Prices run about $350,000 to $700,000 and up.
Schools and commute
Commute
Downtown Detroit is about 25 miles / 30 to 35 minutes via I-96 or M-14/I-275, and Ann Arbor is roughly 20 minutes west on M-14.
Michigan property taxes
Plymouth 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 Plymouth, our 2026 Uncapping Study found taxable value typically rises about 36% the year after a sale. On a $500,000 home, near the typical Plymouth value, the first-year tax goes up roughly $2,690 at the Plymouth-Canton schools rate. We build your payment on that post-sale number.
Looking at a Plymouth 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
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 Plymouth records yourself
The official offices behind the tax and school details on this page.
- City of Plymouth Assessing, for parcel records and current taxable value
- Plymouth-Canton Community Schools, for district boundaries and enrollment
- Wayne County Treasurer, for county property tax records
What our clients say
★★★★★
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!
★★★★★
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
★★★★★
Can’t say enough great things about Samantha and her team at Align Lending! Highly recommend
★★★★★
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.
Individual experiences. Results vary.
Plymouth mortgage questions
If yours is not here, ask it on the call. There are no dumb questions.
What is the median home price in Plymouth, MI 48170?
As of 2026, the typical home in the 48170 ZIP runs around $500,000, with sources ranging from about $480,000 (Zillow) to roughly $500,000 to $605,000 depending on whether you measure the small City of Plymouth or the broader ZIP that includes Plymouth Township. It’s one of the pricier markets in Wayne County, well above the Michigan statewide median of about $294,000.
How fast do homes sell in Plymouth?
Very fast. Homes in 48170 typically go under contract in about 9 days, and ‘hot’ homes in roughly 5 days. Redfin scores the market 81 out of 100 for competitiveness, and many homes sell at or slightly above list price with multiple offers, so buyers should be pre-approved and ready to move quickly.
What are property taxes like in Plymouth, MI?
The median annual property tax bill in Plymouth is about $3,851, reflecting a Wayne County effective rate near 1.31%. Michigan taxes are based on a property’s taxable value times the local millage, and taxable value can only grow 5% or the rate of inflation per year until the home sells; the year after the sale it resets to half of the assessor’s estimate of market value. Budget for a higher tax bill in your first year of ownership than the prior owner paid.
What income do I need to buy a median-priced home in Plymouth?
Roughly $130,000 to $150,000 a year. On a roughly $500,000 home, principal, interest, taxes and insurance fit comfortably within standard lending guidelines at about $134,000 of household income; the exact figure depends on your down payment, rate and other debts, and Samantha can work it out for your situation. For context, the City of Plymouth’s median household income is about $112,000, so many buyers put more down or buy below the median.
Which neighborhoods should I look at in Plymouth?
Downtown Plymouth offers walkable historic homes near Kellogg Park (often $400,000 to $1,000,000+). Established subdivisions like Lake Pointe Village and Trailwood are popular with buyers in the $400,000 to $700,000 range, while Plymouth Pointe condos ($160,000 to $300,000) are a more affordable entry point for first-time buyers and downsizers. The broader Plymouth Township makes up most of the ZIP’s newer housing stock.
Are there first-time homebuyer programs that work in Plymouth?
Yes. Michigan State Housing Development Authority (MSHDA) programs, including the MI Home Loan and down payment assistance, can be used in Plymouth, and FHA, VA, and conventional low-down-payment loans are all options. Because 48170 is a higher-priced market, it’s worth confirming current loan limits and any program income/price caps with your lender before you shop.
Talk with a local mortgage expert
Tell Samantha what you are trying to do in Plymouth 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
Samantha looks at your situation
She 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.
