Is Midland County, MI good for real estate investing?

Midland County has an investment score of 74/100, rated as "Buy". The county ranks #54 nationally among 1000 counties analyzed.

What is the rent-to-price ratio in Midland?

The rent-to-price ratio in Midland County is 7.94% annually, which ranks in the 90th percentile nationally. Higher ratios indicate better cash flow potential.

What is the median home price in Midland?

The median home price in Midland County is $228,990. This ranks #474 in affordability among all US counties.

Can you cash flow on rental properties in Midland?

Based on median values with 20% down at current rates, a typical rental in Midland County would generate negative cash flow of $215/month. Individual property performance varies based on purchase price, rent, and operating expenses.

Midland County

MichiganPopulation: 83,503Saginaw, MI Metro

/100

Buy

#54 of 1,000 counties

#8 in Michigan (83 counties)

Market Snapshot

$228,990

Median Home Price

2% below national median

$1,515/mo

Median Rent

0% above national median

7.94%

Rent-to-Price Ratio

Top 10% nationally

-$215

Est. Monthly Cash Flow

With 20% down at 6.9% rate

Price History

Historical data from Zillow ZHVI/ZORI

Quick Investment Calculator

Down Payment20%

5%50%100%

Purchase

Purchase Price$228,990

Down Payment (20%)$45,798

Loan Amount$183,192

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,515

Monthly P&I-$1,200

Est. Expenses (35%)-$530

Net Cash Flow-$215/mo

5.2%

Cap Rate (all cash)

-4.9%

Cash-on-Cash Return

7.94%

Rent-to-Price Ratio

Negative leverage: At 6.85% rates, borrowing costs exceed the 5.2% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full Analysis Try House Hack Strategy

Score Breakdown

Overall Investment Score

74/100

Cash Flow(30%)

79/100

Based on 7.94% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

86/100

Based on 4.8% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)

50/100

Population data not available.

Affordability(20%)

83/100

Price-to-income ratio of 3.1x. Lower ratios indicate more affordable markets.

Scores are calculated using real Zillow home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. Markets with missing rent data use estimated values based on regional averages.

Investment Outlook

Strengths

+Above-average rent-to-price ratio (7.94%)
+Affordable relative to local incomes
+Complete rent data available

Challenges

-Negative cash flow at typical financing (-$215/mo)
-Negative leverage (cap rate 5.2% < mortgage rate 6.9%)

Economic Indicators

Population

83,503

Median Income

$73,643

vs $57,018 national est.

Unemployment Rate

—

Data pending

Price-to-Income

3.1x

Moderately affordable

Compare to Nearby Counties

County					Verdict
IronMI	75	$138,682	Est. pending	—	Strong Buy	View
BayMI	75	$175,060	$1,143	7.84%	Strong Buy	View
GratiotMI	75	$172,768	Est. pending	—	Strong Buy	View
CurrentMidlandMI	74	$228,990	$1,515	7.94%	Buy
SaginawMI	74	$164,018	$1,059	7.74%	Buy	View
KeweenawMI	73	$196,365	Est. pending	—	Buy	View

The Bottom Line

BuyMidland offers solid investment potential with good cash flow or appreciation prospects.

Midland County in Michigan scores 74/100, ranking #54 of 1,000 US counties (top 7%). The 7.94% rent-to-price ratio indicates moderate cash flow potential.

Monthly Cash Flow

$-215/mo

Cap Rate

5.2%

Cash-on-Cash

-4.9%

Ready to Analyze a Deal in Midland?

Use our investment calculators to run detailed numbers on specific properties.

Single Family1-4 unit rentals, BRRRR House HackOwner-occupied strategy Multifamily5+ unit properties

Explore Other Markets

Quick Investment Calculator

Down Payment20%

5%50%100%

Purchase

Purchase Price$228,990

Down Payment (20%)$45,798

Loan Amount$183,192

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,515

Monthly P&I-$1,200

Est. Expenses (35%)-$530

Net Cash Flow-$215/mo

5.2%

Cap Rate (all cash)

-4.9%

Cash-on-Cash Return

7.94%

Rent-to-Price Ratio

Negative leverage: At 6.85% rates, borrowing costs exceed the 5.2% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full Analysis Try House Hack Strategy

Score Breakdown

Overall Investment Score

74/100

Cash Flow(30%)

79/100

Based on 7.94% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

86/100

Based on 4.8% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)

50/100

Population data not available.

Affordability(20%)

83/100

Price-to-income ratio of 3.1x. Lower ratios indicate more affordable markets.

County

Verdict

IronMI

$138,682

Est. pending

—

Strong Buy

View

BayMI

$175,060

$1,143

7.84%

Strong Buy

View

GratiotMI

$172,768

Est. pending

—

Strong Buy

View

CurrentMidlandMI

$228,990

$1,515

7.94%

Buy

SaginawMI

$164,018

$1,059

7.74%

Buy

View

KeweenawMI

$196,365

Est. pending

—

Buy

View

The Bottom Line

BuyMidland offers solid investment potential with good cash flow or appreciation prospects.

Midland County in Michigan scores 74/100, ranking #54 of 1,000 US counties (top 7%). The 7.94% rent-to-price ratio indicates moderate cash flow potential.

Monthly Cash Flow

$-215/mo

Cap Rate

5.2%

Cash-on-Cash

-4.9%