County data
Ottawa County, MI Mortgage Calculator
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- Principal & interest$0
- Property tax$0
- Home insurance$0
- HOA dues$0
- Mortgage insurance (PMI)$0
- Total interest over the loan
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- Paid off
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Ottawa County at a glance
Median home value
$323,400
Property tax rate
1.05%
Michigan: 1.36% · U.S.: 1.05%
Median income
$90,502
Conforming loan limit
$832,750
Typical monthly cost of the median home
Principal and interest
$1,770
$258,720 loan at 7.28%, 30 years
Property tax
$283
1.05% of $323,400 a year
Together
$2,053
before insurance, HOA and PMI
Other large counties in Michigan
| County | Median home | Tax rate | Payment |
|---|---|---|---|
| Wayne County | $178,500 | 1.94% | $1,266 |
| Oakland County | $343,600 | 1.34% | $2,264 |
| Macomb County | $243,900 | 1.46% | $1,632 |
| Kent County | $289,900 | 1.15% | $1,865 |
| Genesee County | $182,400 | 1.52% | $1,229 |
| Washtenaw County | $374,100 | 1.56% | $2,534 |
| Ingham County | $198,800 | 1.88% | $1,400 |
| Kalamazoo County | $241,800 | 1.50% | $1,626 |
Frequently asked questions
What is the property tax rate in Ottawa County, MI?
Homeowners with a mortgage in Ottawa County pay a median of $3,408 a year in property tax on a median home value of $323,400, an effective rate of 1.05%. That is below the Michigan figure of 1.36% and about the same as the U.S. median of 1.05%. It ranks 59 of 83 counties in Michigan for effective rate, highest first. Your own bill depends on the assessed value, the taxing districts and any exemptions.
How much is the monthly payment on a median-priced home in Ottawa County?
On a $323,400 home with 20% down and a 30-year loan at 7.28% (the Freddie Mac weekly average), principal and interest is about $1,770 a month and property tax about $283, so roughly $2,053 before homeowners insurance, HOA dues and mortgage insurance. For comparison, the median household income here is $90,502 a year, so that payment is about 27% of it.
What is the conforming loan limit in Ottawa County?
The 2026 one-unit conforming loan limit for Ottawa County is $832,750. A conventional loan above that amount is a jumbo loan, which can have different rates and down payment requirements.
Where do these numbers come from?
Home values, property taxes and incomes are U.S. Census Bureau American Community Survey 5-year medians for the county. Loan limits come from the Federal Housing Finance Agency and rates from Freddie Mac. The methodology page lists each source and when it was retrieved.
Data and method. Home values, property taxes and incomes: U.S. Census Bureau, ACS 2024 5-year (2020-2024) (medians, with sampling error; property tax is for owners with a mortgage). Loan limits: FHFA. Rates: Freddie Mac weekly average as of October 1, 2026. Retrieved October 1, 2026. Payment figures assume 20% down, a 30-year fixed loan, and exclude insurance, HOA dues and mortgage insurance. Estimates only; see the methodology.