Compare Flint, MI mortgage rates and fees from top lenders. Review free, personalized mortgage rates based on your specifc loan amount, program and other factors. Easily compare APRs, closing costs and monthly payments to find the lowest mortgage rates in Flint.
We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in Flint. Plus, shopping lenders is free and there is no obligation.
August 2, 2025
Below we provide helpful information on the real estate market, home prices and housing affordability in Flint. Understand how much you need to earn to afford a home in Flint, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Flint fits your budget. This information is based on proprietary analysis you can only find on FREEandCLEAR and we offer it to help you decide if living in Flint is right for you.
The median home value for Flint, MI (Genesee County) is $171,566
Based on current mortgage rates and a 10% down payment, you need to make $35,791 per year to buy the median priced home in Flint
With this income, you could qualify for a $154,409 mortgage, assuming your monthly debt expense is reasonable
Based on this loan amount, the monthly mortgage payment required to buy the median priced home in Flint is $829
The median household income for Flint, MI (Genesee County) is $52,785
Based on this income, you can afford a home valued at approximately $253,022
The home price you can afford to buy based on household income in Flint is 147% of the median home value which means housing prices are average. Flint (Genesee County) ranks 62 out of 83 counties in Michigan and 1,954 out of 3,142 counties in the United States for housing affordability.
According to the FREEandCLEAR Housing Affordability Index, the housing market in Flint, MI is average
Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Flint (Genesee County) below.
Conforming loan limits for Flint, MI
FHA loan limits for Flint, MI