Roscommon, MI 48627 housing market

What this means

• Valuation. Prices are roughly in line with local incomes (+4% vs. this area's pre-2020 price-to-income norm).
• Prices. Home values are up 0.7% over the past year (U.S.: +1.2%), but still 3% below their 2022-23 peak.
• Supply. Listings are 87% below the 2017-19 norm: still a tight market.
• Negotiating. Buyer leverage is moderate (52/100; U.S.: 54) (as of Dec 2022): homes typically sell at or above asking (103.1% of list) (as of Nov 2025); 0% of listings had a price cut (U.S.: 26%) (as of Dec 2022).
• Affordability. A mortgage on the typical home takes 29% of the median household income (U.S.: 35%); it takes about $67k a year to keep the payment at 30% of gross pay. That includes about $1,131 a year for home insurance (U.S.: $1,790).
• Disaster risk. FEMA expects about $148 a year in natural-disaster damage per $100k of building value (U.S.: $155), mostly from flooding.
• Outlook. Leaning up: likely −6% to +10% over the next 12 months (70% chance of a rise).

Next 12 months

Leaning up

Prices are more likely to rise than fall over the next year. Likely change: −6.1% to +10.2% (80% range; middle estimate +3.2%), chance of a rise 70%, of a 5%+ drop 12%.

HouseVane's model, refit every month on local market signals and national ones, trained only on data known at the time. How accurate it has been.

Other ZIP codes in Roscommon County, MI