Market Overview
Home Prices in Osseo, MI
The median home value in Osseo, MI is $209,138 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 11.2% compared to a year ago and down 1.3% from two years prior.
Compared to the U.S. national median of $410,000, homes in Osseo are priced49% below average. Osseo is part of the Hillsdale, MI metro area.
Over the past five years, Osseo home values have risen by approximately20.0%, reflecting steady appreciation in this market.
Price History
Osseo Home Price Trend
2020
$147,934
$148K
—
2021
$174,241
$174K
+17.8%
2022
$191,391
$191K
+9.8%
2023
$178,463
$178K
-6.8%
2024
$190,582
$191K
+6.8%
2025
$188,107
$188K
-1.3%
2026
$209,138
$209K
+11.2%
City Comparison
Osseo vs. National Median
🏠 Osseo
$209,138
National Median
$410,000
At $209,138, homes in Osseo cost 49% below the national median of $410,000. This makes Osseo a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Osseo?
20% Down Payment
$41,828
on $209,138
Monthly P&I
$1,091/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,386/mo
incl. taxes & insurance
Income Needed
$55,440
gross annual (30% rule)
10% Down Option
$20,914
+ PMI applies
Loan Amount (20% dn)
$167,310
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Osseo, MI?
The median home value in Osseo is $209,138 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 11.2% year-over-year.
How much have home prices changed in Osseo?
Over the past year, home values in Osseo have increased by 11.2%. Over five years, prices have risen approximately 20.0%.
How much do I need to earn to buy a home in Osseo?
To comfortably afford the median home price of $209,138 with a 20% down payment ($41,828) at today's rates (6.8%), you'd need a gross annual income of approximately $55,440. This assumes keeping total housing costs at or below 30% of gross income.
How does Osseo compare to the national average home price?
The national median home value is approximately $410,000. At $209,138, homes in Osseo are 49% below the national average.
What metro area is Osseo part of?
Osseo is part of the Hillsdale, MI metropolitan area. Home prices and market conditions can vary across the broader metro region.