The typical owner-occupied home in Bergland is worth about $85,600, 63% below the Michigan median of $231,600 and 74% below the national median of $332,700. Owners pay a median $1,250 a year in property taxes, about 1.46% of their home's value, higher than the Michigan rate of 1.25%. The median household earns $44,375 a year, so the median home costs 1.9 times the median income (3.2 times for Michigan). 80% of occupied homes here are lived in by their owners, and 12% of those owners still have a mortgage.
Bergland at a glance
| Bergland | Michigan | U.S. | |
|---|---|---|---|
| Median home value | $85,600 | $231,600 | $332,700 |
| Median property tax paid per year | $1,250 | $2,904 | $3,119 |
| Property tax as a share of value | 1.46% | 1.25% | 0.94% |
| Median household income | $44,375 | $72,875 | $80,734 |
| Homes lived in by their owners | 80% | 73% | 65% |
| Owner homes with a mortgage | 12% | 58% | 61% |
| Median monthly costs, owners with a mortgage | – | $1,569 | $1,963 |
| Median rent | $708 | $1,129 | $1,413 |
| Rent as a share of renters' income | 32.5% | 30.2% | 30.6% |
| Median year homes were built | 1954 | 1972 | 1980 |
| Vacant homes | 36.4% | 11.8% | 10.1% |
| Population | 138 | 10,077,761 | 334,922,499 |
What a typical home costs per month in Bergland
At this week's average 30-year rate of 7.11%, buying the median Bergland home of $85,600 with 20% down costs about $600 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $743, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $25,735 for the 20%-down payment. That payment is 16% of the median Bergland household income of $44,375; at that income and 20% down, the 28% guideline points to a home of about $148,000.
The median rent here is $708 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $17,120 |
|---|---|
| Loan amount | $68,480 |
| Principal and interest | $461 |
| Property taxes (1.46% a year) | $104 |
| Homeowners insurance (our estimate, 0.5% a year) | $36 |
| PMI | $0 |
| Total per month | $600 |
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| Down payment | $2,996 |
|---|---|
| Loan amount | $84,050 |
| Principal and interest | $565 |
| Property taxes (1.46% a year) | $104 |
| Homeowners insurance (our estimate, 0.5% a year) | $36 |
| FHA mortgage insurance | $38 |
| Total per month | $743 |
Change the numbers in the calculator
Questions about home buying in Bergland
What is the median home value in Bergland?
About $85,600 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Bergland?
Homeowners pay a median $1,250 a year, which is about 1.46% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Bergland?
For the median home with 20% down at 7.11%, the payment is about $600 a month. Keeping that under 28% of gross income takes about $25,735 a year.
More about Bergland
- Mortgage Refinance in Bergland
- Debt Relief in Bergland
- Home Equity Loans in Bergland
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data