Housing data for Otsego, MI
Otsego, MI has an estimated 4,074 residents and 1,511 homes (US Census Bureau, 2020–2024 American Community Survey).
It is a city in Allegan County.
27.0% of households rent.
The median gross rent is $1,119 a month.
Its population grew measurably since 2015–2019 (+2.2%).
Figures last updated on .
- Residents
- 4,074 (±20)
- Housing units
- 1,511 (±156)
- Households that rent
- 27.0%
- Median gross rent
- $1,119
- Residents since 2015–2019
- +2.2%
What stands out in Otsego
Households that rent: 27.0% (±9.7 points) in Otsego, higher than in Allegan County (12.6%).
Homes built before 1980: 82.6% (±18.5 points) in Otsego, higher than in Allegan County (48.3%).
Renters paying 30% or more of income: 20.2% (±14.4 points) in Otsego, lower than in Allegan County (45.8%).
Working from home: 2.8% (±2.9 points) in Otsego, lower than in Allegan County (9.5%).
Housing in Otsego at a glance
- Median rent: $1,119 median gross rent a month
- Rent by bedrooms: $1,185 median gross rent, 2 bedrooms (Small sample: wide margin of error)
- Rent burden: 20.2% of renters pay 30% or more of income (Small sample: wide margin of error)
- Renters and owners: 27.0% of households rent
- Income and affordability: $74,156 median household income
- Home values: $160,500 median home value
- Homeowner costs: $1,144 median monthly cost with a mortgage
- Property taxes: $2,305 median real estate taxes a year
- Types of homes: 11.0% of homes are in buildings of 5 or more units
- Bedrooms: 67.7% of homes have 3 or more bedrooms
- Age of homes: 82.6% of homes were built before 1980
- Vacancy rate: 0.0% rental vacancy rate (Small sample: wide margin of error)
- Heating fuel: 93.5% heat with utility gas
- Commute and cars: 19.8 minutes average trip to work
- Crime reported to police: 199 violent crimes per 100,000 residents
- Growth: +2.2% residents since 2015–2019
- How long people stay: 12.7% moved in since 2020
- Crowding and facilities: 8.0% of homes have more than 1 person per room (Small sample: wide margin of error)
Otsego against Allegan County, its state and the nation
| Otsego | Allegan County | Michigan | United States | |
|---|---|---|---|---|
| Residents | 4,074 (±20) | 121,456 (exact) | 10,077,761 (exact) | 334,922,499 |
| Housing units | 1,511 (±156) | 52,636 (±111) | 4,622,236 (±795) | 143,775,355 |
| Households that rent | 27.0% (±9.7 points) | 12.6% (±1.0 points) | 26.8% (±0.2 points) | 34.8% |
| Median gross rent | $1,119 (±$541) | $1,100 (±$40) | $1,129 (±$4) | $1,413 |
| Median household income | $74,156 (±$7,774) | $83,283 (±$2,480) | $72,875 (±$293) | $80,734 |
| Median home value | $160,500 (±$12,306) | $267,100 (±$6,863) | $231,600 (±$642) | $332,700 |
| Median real estate taxes (a year) | $2,305 (±$422) | $2,884 (±$66) | $2,904 (±$9) | $3,119 |
| Built before 1980 | 82.6% (±18.5 points) | 48.3% (±2.1 points) | 62.1% (±0.2 points) | 49.7% |
| Average commute | 19.8 minutes (±3.9) | 24.2 minutes (±0.7) | 24.2 minutes (±0.1) | 26.4 minutes |
| Households with broadband | 88.8% (±5.8 points) | 91.6% (±0.9 points) | 90.5% (±0.1 points) | 91.0% |
| Median age of residents | 35.8 years (±3.8) | 41.0 years (±0.4) | 40.2 years (±0.1) | 38.9 years |
Otsego covers 2.0 square miles of land, about 2,004 residents per square mile (Census Bureau Gazetteer).
How Otsego has changed since 2015–2019
| 2015–2019 | 2020–2024 | Amount of change | Verdict | |
|---|---|---|---|---|
| Residents | 3,985 (±25) | 4,074 (±20) | +2.2% | Measurable increase |
| Housing units | 1,961 (±154) | 1,511 (±156) | −22.9% | Measurable decrease |
| Median gross rent | $727 (±$164) | $1,119 (±$541) | +53.9% | No measurable change after inflation |
| Median home value | $116,700 (±$7,134) | $160,500 (±$12,306) | +37.5% | Up after inflation |
| Median household income | $46,446 (±$4,845) | $74,156 (±$7,774) | +59.7% | Up after inflation |
| Median owner cost with a mortgage | $1,022 (±$98) | $1,144 (±$51) | +11.9% | No measurable change after inflation |
| Median real estate taxes | $2,054 (±$180) | $2,305 (±$422) | +12.2% | No measurable change after inflation |
| Households that rent | 33.6% (±7.5 points) | 27.0% (±9.7 points) | −6.6 percentage points | Not a measurable change |
| Rental vacancy rate | 10.4% (±10.5 points) | 0.0% (±7.1 points) | −10.4 percentage points | Not a measurable change |
The Census Bureau publishes 2015–2019 dollars in 2019 dollars and 2020–2024 dollars in 2024 dollars.
Prices (the CPI-U, US Bureau of Labor Statistics) rose 22.7% between 2019 and 2024, so a dollar figure’s verdict compares the two after raising the earlier one by that much, using the Census Bureau’s test for a difference.
The two periods do not overlap, as the Census Bureau recommends for 5-year estimates.
Crime reported to police in Otsego
In 2025, the Otsego Police Department reported 199 violent and 1,095 property crimes per 100,000 residents to the FBI.
Places near Otsego
| Place | Distance | Median gross rent | Median home value | Households that rent |
|---|---|---|---|---|
| Otsego Township | 2.0 mi | $1,167 | $265,000 | 22.5% |
| Plainwell | 3.0 mi | $900 | $220,500 | 30.8% |
| Alamo Township | 5.4 mi | $1,277 | $258,500 | 5.3% |
| Gun Plain Township | 5.6 mi | $988 | $264,000 | 7.8% |
| Martin | 6.2 mi | $369 | $176,000 | 18.8% |
| Watson Township | 6.3 mi | — | $214,000 | 5.1% |
| Trowbridge Township | 7.5 mi | $1,119 | $235,900 | 13.9% |
| Martin Township | 7.6 mi | $767 | $205,700 | 12.2% |
Places in Michigan most like Otsego
| Place | Median gross rent | Median home value | Median household income | Households that rent |
|---|---|---|---|---|
| Pennfield Charter Township | $992 | $166,500 | $66,119 | 23.9% |
| Taylor | $1,101 | $152,600 | $61,081 | 33.3% |
| Three Oaks | $1,074 | $215,700 | $66,985 | 31.0% |
| Wyandotte | $972 | $166,900 | $71,987 | 26.3% |
| Warren | $1,225 | $193,400 | $64,016 | 28.9% |
| Summit Township (Jackson County) | $1,069 | $197,400 | $65,987 | 18.8% |
Matched on rent, home value, income, the share who rent, the age of the homes, the share in apartment buildings and the commute, each measured against the spread across Michigan.
HUD Fair Market Rent for Otsego, fiscal year 2027
| Studio | 1 bedroom | 2 bedrooms | 3 bedrooms | 4 bedrooms |
|---|---|---|---|---|
| $984 | $991 | $1,296 | $1,586 | $1,862 |
HUD income limits for Otsego, fiscal year 2026
| Household size | Extremely low (30%) | Very low (50%) | Low (80%) |
|---|---|---|---|
| 1 person | $20,950 | $34,900 | $55,800 |
| 2 people | $23,950 | $39,850 | $63,800 |
| 3 people | $27,320 | $44,850 | $71,750 |
| 4 people | $33,000 | $49,800 | $79,700 |
| 5 people | $38,680 | $53,800 | $86,100 |
| 6 people | $44,360 | $57,800 | $92,500 |
| 7 people | $50,040 | $61,800 | $98,850 |
| 8 people | $55,720 | $65,750 | $105,250 |
These are the limits HUD sets for its housing programs in the Allegan County, MI, where HUD’s median family income for fiscal year 2026 is $99,600.
A program can use its own limits; tax-credit and local programs often do.
Survey years: 2020–2024 (American Community Survey 5-year estimates), compared with 2015–2019.
Margins of error are at the 90% confidence level.
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Questions about Otsego
What is the average rent in Otsego, MI?
The Census Bureau publishes the median rather than the average: the median gross rent in Otsego is $1,119 (±$541) a month (2020–2024 American Community Survey), so half of renting households pay less and half pay more.
How many renters are there in Otsego?
Otsego has an estimated 408 (±145) renting households, 27.0% of its occupied homes (2020–2024 American Community Survey).
What is the median household income in Otsego?
The median household income in Otsego is $74,156 (±$7,774) a year (2020–2024 American Community Survey).
What is the average home value in Otsego, MI?
The Census Bureau publishes the median: $160,500 (±$12,306) for owner-occupied homes in Otsego (2020–2024 American Community Survey).
What is the average mortgage payment in Otsego?
The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in Otsego, MI is $1,144 (±$51) a month, including taxes, insurance and utilities.
How much are property taxes in Otsego?
The median real estate tax paid by homeowners in Otsego, MI is $2,305 (±$422) a year (2020–2024 American Community Survey).
Is Otsego growing?
In Otsego, the number of residents went from 3,985 in 2015–2019 to 4,074 in 2020–2024 (+2.2%), a measurable increase.
Sources
- Demographic and Housing Estimates (DP05), 2020–2024 ACS 5-year estimates — Otsego city, Michigan
- Selected Housing Characteristics (DP04), 2020–2024 ACS 5-year estimates — Otsego city, Michigan
- Selected Economic Characteristics (DP03), 2020–2024 ACS 5-year estimates — Otsego city, Michigan
- Median Real Estate Taxes Paid by Mortgage Status (B25103), 2020–2024 ACS 5-year estimates — Otsego city, Michigan
- Selected Social Characteristics (DP02), 2020–2024 ACS 5-year estimates — Otsego city, Michigan
- Total Population (B01003), 2015–2019 ACS 5-year estimates — Otsego city, Michigan
- Median Gross Rent (B25064), 2015–2019 ACS 5-year estimates — Otsego city, Michigan
- HUD Fair Market Rents, fiscal year 2027: Allegan County, MI
- HUD Income Limits, fiscal year 2026: Allegan County, MI
- FBI Uniform Crime Reporting Program, Crime Data Explorer: Otsego Police Department (ORI MI0364100)
- FBI: Uniform Crime Reporting statistics and their proper use
- Consumer Price Index for All Urban Consumers (CPI-U), US city average, all items, US Bureau of Labor Statistics: annual averages 2019 and 2024
- US Census Bureau, 2024 Gazetteer Files
To check these figures in the Census Bureau’s own API, request the variables below from the 2024 ACS 5-year data profile (acs/acs5/profile) for Otsego city, Michigan (place:61620, in state:26).
Each estimate (E or PE) has a margin of error beside it (M or PM).
The 2015–2019 figures are B01003_001E, B01003_001M, B25064_001E, B25064_001M from the 2019 release.
The API needs a free key.
DP05_0001E, DP05_0001M, DP04_0001E, DP04_0001M, DP04_0047PE, DP04_0047PM, DP04_0134E, DP04_0134M, DP03_0062E, DP03_0062M, DP04_0089E, DP04_0089M
This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.
Figures are published by the US Census Bureau, HUD, the Bureau of Labor Statistics and the FBI; Seayora reproduces them and does not adjust them, except where a sentence says it compares dollar figures after inflation. They describe the whole place, not any one building or street, and are not an appraisal, a rent determination, a tax bill, a safety rating or legal advice.
Figures last updated on .