Market Overview
Home Prices in Saugatuck, MI
The median home value in Saugatuck, MI is $630,736 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 5.4% compared to a year ago and up 7.8% from two years prior.
Compared to the U.S. national median of $410,000, homes in Saugatuck are priced54% above average. Saugatuck is part of the Holland, MI metro area.
Over the past five years, Saugatuck home values have risen by approximately47.3%, reflecting strong long-term appreciation in this market.
Price History
Saugatuck Home Price Trend
City Comparison
Saugatuck vs. National Median
At $630,736, homes in Saugatuck cost 54% above the national median of $410,000. Buyers in Saugatuck should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Saugatuck?
20% Down Payment
$126,147
on $630,736
Monthly P&I
$3,290/mo
30-yr @ 6.8%
Total Monthly Est.
~$4,178/mo
incl. taxes & insurance
Income Needed
$167,120
gross annual (30% rule)
10% Down Option
$63,074
+ PMI applies
Loan Amount (20% dn)
$504,589
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 Saugatuck, MI?
The median home value in Saugatuck is $630,736 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 5.4% year-over-year.
How much have home prices changed in Saugatuck?
Over the past year, home values in Saugatuck have increased by 5.4%. Over five years, prices have risen approximately 47.3%.
How much do I need to earn to buy a home in Saugatuck?
To comfortably afford the median home price of $630,736 with a 20% down payment ($126,147) at today's rates (6.8%), you'd need a gross annual income of approximately $167,120. This assumes keeping total housing costs at or below 30% of gross income.
How does Saugatuck compare to the national average home price?
The national median home value is approximately $410,000. At $630,736, homes in Saugatuck are 54% above the national average.
What metro area is Saugatuck part of?
Saugatuck is part of the Holland, MI metropolitan area. Home prices and market conditions can vary across the broader metro region.