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Wayne County, Michigan

Mortgage Broker in Plymouth Township, MI

Plymouth Township wraps around the City of Plymouth and shares its 48170 ZIP code, so we confirm which government taxes the parcel first, then shop your loan with multiple wholesale lenders through one Michigan broker who knows the township.

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Buying a home in Plymouth Township

Plymouth Township is a charter township in western Wayne County, about 27 miles northwest of downtown Detroit and 16 miles northeast of Ann Arbor, home to about 27,200 residents in the Census Bureau's 2024 estimate. It surrounds the City of Plymouth but is governed separately. Adient's North American headquarters is in Plymouth Township, and the median household income here is near $116,900.

By the numbers

Plymouth Township housing and mortgage snapshot

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

$401,000

Typical home value, from the market research on this page

+35%

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

1.28%

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: 48170

What financing looks like in Plymouth Township

Across July, August and September 2026, Redfin's median sale for its Plymouth Township area was about $515,000, a little over 4% above the same stretch of 2025, with homes going under contract in about 19 days for close to their asking price. That median sits under the 2026 FHA limit for Wayne County, $541,287, and well below the conforming limit for 2026, $832,750. Jumbo financing comes in only when the loan amount itself passes that line, and even the Census upper quartile for owner values west of Beck Road, about $703,000, sits below it. Here the choice between conventional, FHA and VA, for veterans and service members who qualify, usually turns on your savings, your credit and the type of home.

The type of home matters because the township holds three very different kinds. Detached houses on subdivision lots come first. Condos and attached homes cluster near Hines Park and along Haggerty and Joy roads, and an attached unit usually depends on the condo association passing a lender's review of the whole project, so request its budget, reserve figures and master insurance policy in the first days after your offer is accepted. A detached site condo is held like a house on its own land, and Fannie Mae waives its project review for detached units like these. Then there are the roughly 780 manufactured homes the Census counts on the west side, all of them in the block group that holds the Plymouth Hills and Oak Haven communities on Ridge Road. A title that treats the home as personal property generally means a personal property loan rather than a mortgage on land, and fewer loan programs fit.

First-time buyers inside MSHDA's income limits can look at a MI Home Loan, whose $566,355 price cap sits above Redfin's township median, paired with MI 10K, up to $10,000 toward the down payment, repaid at a sale, a refinance or a payoff, or once you no longer live there. One timing detail for escrow: the township's summer tax bill is due July 1 and can be paid through September 15 without penalty, so a closing in June or July can change how much tax money is set aside.

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Same 48170 address, different tax bill: Plymouth Township's 2025 homestead total was 32.40 mills and the City of Plymouth's was 40.98, a gap of roughly $857 yearly on every $100,000 of taxable value.

The market

The Plymouth Township housing market

The typical home value in Plymouth Township is near $400,800, the median for owner-occupied homes in the Census Bureau's American Community Survey, which counts about 9,700 owner-occupied homes here. The median year built is 1977, so established subdivisions of colonials and ranches on mature, tree-lined streets are common, with newer construction and condos mixed in. Homeowners pay a median of about $5,120 a year in property taxes, an effective property tax rate of about 1.28% of the median value.

Township or city

One 48170 address, two local governments

Plymouth Township surrounds the City of Plymouth, and both answer to Plymouth, MI 48170. Home counts are from the 2020 Census, owner values from the Census survey for 2020 to 2024.

Two of every three 48170 homes are in the township

The 2020 Census counted 18,386 homes in ZIP 48170: 12,094 in Plymouth Township, about 66%, and 4,700 in the City of Plymouth, about 26%. The other 1,592 are in Northville Township and in Salem and Superior townships, which sit across the line in Washtenaw County. All 12,094 township homes fall inside the 48170 ZIP area.

The city is an island inside the township

The City of Plymouth covers about 2.2 square miles of land, enclosed by the township's 15.9. Each has its own assessor, treasurer and tax bill. The city's Census owner median is $448,600 with a typical home from 1961, against $400,800 and 1977 in the township.

Same street, different government

The Census geocoder places 1200 S Main St and 1000 W Ann Arbor Trl in the city, and 9450 Main St and 44401 W Ann Arbor Trl, West Middle School, in the township. Here the city addresses carry the low numbers, but 6850 Brookside Ln and 9504 Ann Arbor Rd W, west of Napier Road, are Plymouth addresses in Salem and Superior townships. Only the parcel record settles it.

How to check one parcel

The tax bill and the assessing record name the unit that levies the tax. The township's Assessing Department at Township Hall, 9955 N Haggerty Road, answers at 734-354-3267, and the Census geocoder shows the county subdivision for any address.

Where to look

Plymouth Township neighborhoods

Lake Pointe and Farrand Elementary

The north side near Haggerty Road just below Five Mile, on streets such as Greenbriar, Ivywood, Russet and Greenbrook. The township's parks page names this the Lake Pointe subdivision, with Brentwood Park on Brentwood Drive, Lake Pointe Soccer Park on Haggerty and Farrand Elementary on Greenbriar Lane. Its Census block group is all detached houses, a typical one built in 1965, with owner values near $326,000.

Phoenix Lake and Mill Race

The corner where Northville Road and Hines Drive approach Five Mile, around Phoenix Lake and near the historic Phoenix Mill site, with streets such as Mill Race Circle, Old Pond Circle, Lakewood and Crabtree. About four in ten homes sit in complexes of five or more units, and owner values run near $372,000 with a wide margin, typical home from 1973. The Middle Rouge puts about 14% of this block group's land in FEMA's high-risk flood zone.

Plymouth Hollow and the Hines Park side

Between the city line and Schoolcraft Road, from Northville Road east toward I-275, with Plymouth Hollow Drive, Princeton, Clemons and Shadywood among its streets. Hines Drive and the Middle Rouge run along the west side past Wayne County's Wilcox Lake Recreation Area. Complexes of five or more units hold about four in ten homes, rentals make up a little over half of occupied homes, and owner values run near $287,000 with a wide margin, typical build year 1973.

Ridge Road manufactured home communities

North of M-14 along Ridge Road, home to two manufactured home communities, Plymouth Hills at 14201 Ridge Road and Oak Haven at 14401, with streets such as Lincoln, Grant, Van Buren and Jackson. The Census counts 777 manufactured homes in this block group, about four in five of its homes, so its owner median of about $53,000 says little about the rest of the township. The high-risk flood zone along Johnson Drain covers much of the open land west toward Napier Road.

Hunters Creek and Rolling Oaks

Between Ridge and Beck roads from Powell Road north past North Territorial, along Hunters Creek Drive, Fox Ridge, Glenmore, Braeburn and Rolling Oaks Boulevard. Every home in the block group is a detached house, the typical one from 1995, with Census owner values near $631,000.

Plymouth Valley, Pine Ridge and the Hills drives

The far west between Napier and Ridge roads. South of Powell sit Plymouth Valley Drive, Plymouth Ridge Drive, Pine Ridge and Fellows Creek, all detached houses from about 1997 with owner values near $630,000, though that estimate carries a margin of about $124,000. North of Powell, East and West Hills Drive, Howland Park and Pointe Crossing have about a third of homes attached or in buildings of five or more units, owner values near $584,000.

Colony Farms, Quail Run and Normandy

The stretch between Ridge and Beck roads south of Powell. Along Joy Road, Colony Farm Circle, Quail Run, Northampton and Countrywood have a typical home from 1993, about one home in five attached, with owner values near $580,000. Farther north, the Normandy courts, Harvest, Winterset and Red Pine are all detached houses from about 1983, owner values near $554,000.

Beacon Hill, Burning Tree and Township Park

From Beck Road east to Sheldon, between M-14 and Ann Arbor Trail, along Beacon Hill Drive, Burning Tree, Covington, Concord, Portsmouth and Danbridge. The township's 80-acre Plymouth Township Park and its 18-hole Hilltop Golf Course sit at the south end. Census owner values near $612,000, typical home from 1976, with about one home in six attached, including condos on Hidden Creek Drive. Tonquish Creek crosses the tract.

Trailwood and Turtlehead, north of Ann Arbor Road

Between Ann Arbor Trail and Ann Arbor Road from Beck Road east to Sheldon, around Trailwood Road, Turtlehead Drive, Shamrock, Litchfield and Green Valley, with West Middle School on West Ann Arbor Trail. Almost entirely detached houses built in the 1970s. Owner values run near $474,000 on the Sheldon side and $539,000 farther west.

Woodlore and Arboretum, south of Ann Arbor Road

From Ann Arbor Road down to Joy between Beck and Sheldon, with Pioneer Middle School on Ann Arbor Road and Isbister Elementary on North Canton Center Road. Woodlore South Drive, Arboretum Circle, Barrington and Rockledge are detached houses from about 1976, owner values near $415,000. Toward Sheldon and Joy, Mayflower, Albert and Gregory share the block group with apartment buildings, owner values near $332,000.

Township Hall, Hines Drive and the Robinson Subdivision

East of the city between its line and Eckles Road, from Plymouth Road and Ann Arbor Trail down to Ann Arbor Road. Township Hall sits at Haggerty and Ann Arbor roads, Miller Family Park anchors the Robinson Subdivision on Ann Arbor Trail, and Wayne County's Haggerty Park sits where Hines Drive meets Haggerty. Greystone Boulevard, Riverside Drive, Firwood and Chestnut are typical streets, with a typical home from 1966 and owner values near $317,000. The Middle Rouge puts about a tenth of the tract in the flood zone.

Main Street, Lilley and Haggerty along Joy Road

The south edge from Sheldon Road east to Eckles, below Ann Arbor Road and above the Canton line at Joy. Streets such as Postiff, Judson, Manton and Redbud off Lilley Road have a typical home from 1966 and owner values near $351,000, with some apartment buildings mixed in. Near Haggerty and Joy, about four homes in ten on Newport, Massey and Tavistock are attached, and owner values sit near $204,000 with a wide margin.

Schools and commute

Schools

Plymouth-Canton Community Schools is the only public district for Plymouth Township. The Census Bureau's district boundaries put all of the township's land and all 12,094 homes it counted in 2020 inside it, and Michigan Treasury's 2025 tax tables list no other district for the township. Northville Public Schools and Livonia Public Schools stop at the township line. District buildings here include Farrand Elementary on Greenbriar Lane, Isbister Elementary on North Canton Center Road, Pioneer Middle School on Ann Arbor Road and West Middle School on West Ann Arbor Trail. Elementary and middle schools are assigned by home address on the district's boundary map, and Plymouth, Canton and Salem high schools share one campus, with students placed at random or with an older sibling. To enroll, a homeowner brings two proofs of residency, such as a property tax record or a closing statement paired with a utility bill.

Commute

Township residents average about 23 minutes to work, and about one worker in four works from home, by the Census Bureau's 2020 to 2024 survey (Census Reporter). M-14 crosses the township from the west, with exits at Beck and Sheldon roads, and ends at the I-96 and I-275 interchange on the Livonia line. I-275 follows the east edge, with an Ann Arbor Road exit, and north of that interchange it shares the road with I-96. From Township Hall at Haggerty and Ann Arbor roads, Kellogg Park in downtown Plymouth is under 2 miles, Detroit Metro Airport about 17 miles and 23 minutes without traffic, downtown Detroit about 25 miles and 32 minutes, and downtown Ann Arbor about 19 miles and 28 minutes, closer to 22 minutes from Beck and Powell roads on the west side. Adient's North American headquarters is on Halyard Drive north of M-14, and the Five Mile Road corridor between Napier and Beck, including the old DeHoCo prison site, is the Michigan International Technology Center development area the township shares with Northville. Aisin World Corp. of America's offices are near Five Mile and Beck on Centennial Drive, on the Northville Township side, and Michigan Medicine's main hospital campus in Ann Arbor is about 30 minutes from Township Hall.

Michigan property taxes

Plymouth 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 Plymouth Township, our 2026 Uncapping Study found taxable value typically rises about 35% the year after a sale. On a $400,000 home, near the typical Plymouth Township value, that is roughly $1,680 more in first-year tax at the local median homestead millage. We build your payment on that post-sale number.

Looking at a Plymouth Township 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.

Millage next door

Plymouth Township's tax rate next to its neighbors

Each figure is the full 2025 homestead levy Michigan Treasury lists for that place. A mill means $1 of tax yearly on $1,000 of taxable value, so the same home can carry a noticeably different bill a mile away.

Plymouth Township: 32.40 mills

One homestead total covers every parcel, since the whole township is in Plymouth-Canton Community Schools: roughly $3,240 of yearly tax on every $100,000 of taxable value. Rentals and second homes pay the non-homestead total, 50.40 mills.

City of Plymouth: 40.98 mills

Same school district, plus a separate city levy. Roughly $857 more each year on every $100,000 taxed, compared with the township.

Northville and Canton townships

Their Plymouth-Canton parts carried 35.18 mills in Northville Township and 39.55 in Canton, counting Canton's special assessment millage. Against Plymouth Township, that adds about $278 and $714 a year on every $100,000 taxed.

Livonia: 41.24 mills

Just east of the township line, in Livonia Public Schools. About $883 more yearly on every $100,000 taxed.

The jump at sale

Our 2026 Uncapping Study found taxable value typically rises about 35% the year after a sale in Plymouth Township, about 36% in the City of Plymouth and Canton, 29% in Northville Township and 44% in Livonia. A low millage does not stop the reset.

Local resources

Check Plymouth Township records yourself

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

Before closing day

Plymouth Township details to settle before closing

These questions come up on Plymouth Township purchases. Answering them before your inspection period ends keeps your options open.

  • Township, city or Washtenaw. A Plymouth 48170 address can belong to the township, the City of Plymouth, Northville Township, or Salem or Superior Township in Washtenaw County. Look the address up on the Census geocoder and match it to the tax bill before you budget.
  • The final water bill. The township's water billing page says a regular bill is not accurate for a final reading, so the title company should request a final bill. Lawn irrigation systems also need winterizing in late October or early November.
  • Ponds, ditches and storm drains. The water and sewer page says almost all storm sewers, drains and ditches belong to Wayne County, the state or private homeowner associations. In a subdivision or condo, ask the association what it maintains and how it pays for it.
  • The flood map. Lots near Johnson Drain on the northwest side, the Middle Rouge through Hines Park, and Tonquish Creek carry most of the mapped high-risk land. Pull up the lot on FEMA's Flood Map Service Center while there is still time to get an insurance quote.
  • Two forms after closing. State law gives a new owner 45 days from the deed transfer to hand the township assessor a Property Transfer Affidavit, and the Principal Residence Exemption form belongs in the same envelope. Both are in the township's forms library. Without the exemption a home is billed the 50.40-mill non-homestead total, about $1,800 more per $100,000 of taxable value.
  • The summer tax date. The Treasurer's office bills summer taxes due July 1, payable through September 15 without penalty, which shapes the proration and the escrow deposit on a summer closing.

Block group numbers on this page rest on small Census samples, so read them as a rough guide. We pull recent sales for any house you plan to bid on.

What our clients say

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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
★★★★★
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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.
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Individual experiences. Results vary.

Plymouth Township mortgage questions

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

What is the going price for a Plymouth Township home?

Redfin’s median for its Plymouth Township area was about $515,000 across July to September 2026, and its ZIP 48170 median, which also covers the City of Plymouth, was about $510,000. Homes took about 19 days to go under contract. The Census figure on this page, $400,800, measures something else: owners’ own value estimates, gathered by the Census survey from 2020 through 2024, manufactured homes on Ridge Road included.

Check before you budget. In the 2020 Census, about two of every three homes in ZIP 48170 were in Plymouth Township and about one in four in the City of Plymouth, with the rest in Northville Township and in Salem and Superior townships across the Washtenaw County line. House numbers are a clue but not proof: the Census geocoder puts 1200 S Main St in the city and 9450 Main St in the township. The tax bill and the assessing record name the unit, and the township’s Assessing Department at Township Hall can confirm it.

In 2025 a homestead in the township carried 32.40 mills in all and one in the city 40.98, both in Plymouth-Canton Community Schools. That works out to roughly $857 a year on a home with $100,000 of taxable value. Both still reset after a sale: in our 2026 Uncapping Study, taxable value in the township typically jumps about 35% the year after a purchase, and about 36% in the city.

Plymouth-Canton Community Schools, for every parcel. Census district boundaries and Michigan Treasury’s 2025 millage tables both show no second district inside the township. Which elementary and middle school a child attends depends on the address, so check the district’s boundary map, while the three high schools share one campus in Canton.

Roughly 6% of the land, in our point sample of the federal flood map, falls in FEMA’s high-risk zone. About half of it follows Johnson Drain across the northwest corner between Napier and Ridge roads, about three tenths follows the Middle Rouge through Hines Park on the northeast and east sides, and most of the rest follows Tonquish Creek and its south branch near Beck, Sheldon and Main. Under FEMA’s rules, a home in that zone financed through a government-backed lender needs flood insurance, so look the address up before you commit to a house.

The township’s Department of Public Works runs the water and sewer systems, with more than 178 miles of water main, and the water comes from the Great Lakes Water Authority, drawn from the Detroit River. Sewage leaves through the Western Townships Utilities Authority, which the township formed with Canton and Northville townships, for treatment at the Ypsilanti Community Utilities Authority plant. Before closing, have the title company order a final water bill, since the township says a regular bill is not accurate for a final reading.

Often, but not with every program. The Census places all of the township’s roughly 780 manufactured homes in the block group around the Plymouth Hills and Oak Haven communities on Ridge Road. If the home is titled as personal property rather than real estate, the CFPB notes it generally takes a chattel loan, secured by the home alone, instead of a mortgage. We look at the title, the foundation and the community’s rules before we pick a loan.

Sometimes. By Census count about one home in thirteen in the township is attached and about one in eight sits in a building with five or more homes, condos among them. For FHA or VA on an attached condo, the project itself usually needs the agency’s approval, so we check that early. On a conventional loan, Fannie Mae skips its project review when the unit is detached, which covers most site condos, and FHA and VA apply separate condo rules. Association rules apply either way, including who maintains the ponds and drains.

Communities near Plymouth Township

Wayne County overview

Guides for Plymouth Township buyers

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

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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.

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