Market Overview
Home Prices in Swartz Creek, MI
The median home value in Swartz Creek, MI is $256,173 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 5.3% compared to a year ago and up 2.5% from two years prior.
Compared to the U.S. national median of $410,000, homes in Swartz Creek are priced38% below average. Swartz Creek is part of the Flint, MI metro area.
Over the past five years, Swartz Creek home values have risen by approximately24.7%, reflecting strong long-term appreciation in this market.
Price History
Swartz Creek Home Price Trend
City Comparison
Swartz Creek vs. National Median
At $256,173, homes in Swartz Creek cost 38% below the national median of $410,000. This makes Swartz Creek a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Swartz Creek?
20% Down Payment
$51,235
on $256,173
Monthly P&I
$1,336/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,697/mo
incl. taxes & insurance
Income Needed
$67,880
gross annual (30% rule)
10% Down Option
$25,617
+ PMI applies
Loan Amount (20% dn)
$204,938
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 Swartz Creek, MI?
The median home value in Swartz Creek is $256,173 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 5.3% year-over-year.
How much have home prices changed in Swartz Creek?
Over the past year, home values in Swartz Creek have increased by 5.3%. Over five years, prices have risen approximately 24.7%.
How much do I need to earn to buy a home in Swartz Creek?
To comfortably afford the median home price of $256,173 with a 20% down payment ($51,235) at today's rates (6.8%), you'd need a gross annual income of approximately $67,880. This assumes keeping total housing costs at or below 30% of gross income.
How does Swartz Creek compare to the national average home price?
The national median home value is approximately $410,000. At $256,173, homes in Swartz Creek are 38% below the national average.
What metro area is Swartz Creek part of?
Swartz Creek is part of the Flint, MI metropolitan area. Home prices and market conditions can vary across the broader metro region.