Osseo, MI—49266
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Osseo, MI
As of Oct '25, the median home price in Osseo, MI is $196,000, with a year-over-year change of 1.5%. This indicates that home prices in Osseo, MI are increasing. According to Zillow, the 1-year price projection is 1.2%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $196,000 | 1.5% |
| Single Family | $196,000 | 2.6% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $184,000 | 2.2% |
3 Bed | $241,000 | 3.9% |
4 Bed | N/A | N/A |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Osseo, MI
Osseo, MI lacks sufficient rental market data for analysis.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,400 | $1,400 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | $1,400 | $1,400 |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Osseo, MI
As of Oct '25, Realtor.com reports that the median days on market for a home in Osseo, MI is 90. This is a decrease of -24.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 20.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $250,000 | -3.0% |
Listing Count | 10 | 9.0% |
| Listings as % of Homes | 0.4% | 9.0% |
Days on Market | 90 | -24.0% |
Demographics — Osseo, MI
As of the latest ACS Survey released in 2023, Osseo, MI has a population of 2,910, which has decreased by -10.5% over the past 5 years. Osseo, MI is a less popular place for families, as children make up 14.1% of the population. The area has a poorly educated workforce, with 14.2% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 6.9% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 2,910 | -10.5% |
% Under 18 | 14.1% | -30.2% |
% Seniors | 32.5% | 93.5% |
% WFH | 6.9% | 11.3% |
% w/ College Degree | 14.2% | 49.5% |
As of the latest ACS Survey released in 2023, Osseo, MI is a predominantly white area, with 93.5% of the population identifying as white. The white population has shrunk by 2.9% in the last 5 years. The second most common race or ethnicity in Osseo, MI is hispanic, making up 2.2% of the population. Foreign-born residents account for 0.3% of the population in Osseo, MI, and this percentage has increased by Inf% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 93.5% | -2.9% |
% Black | 0.0% | -100.0% |
% Hispanic | 2.2% | 22.2% |
% Asian | 0.0% | N/A |
% Foreign Born | 0.3% | ∞% |
Mortgage and Risk — Osseo, MI
According to HUD data as of 2023, there were 66 mortgage originations in Osseo, MI, of which 82.0% of loans were conventional mortgages. The average loan-to-value was 64.0%, with 26.0% above 90% LTV (very high). This implies large mortgage risk in Osseo, MI. Investor activity is low, as 3.0% of loans were by investors. 14.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 66 |
% Conventional Loans | 82.0% |
% Government Loans | 18.0% |
% Investor Loans | 3.0% |
% Second Loans | 11.0% |
% Cash Out Refinance | 14.0% |
Loan Activity
Rentals and Section 8 — Osseo, MI
Osseo, MI lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | N/A |
Total Units Section 8 | N/A |
% Rentals under Section 8 | N/A |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $710 |
| 2 Bedroom | N/A | N/A | $930 |
| 3 Bedroom | -$210 | $1,400 | $1,190 |
| 4 Bedroom | N/A | N/A | $1,240 |
Affordability — Osseo, MI
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.8 |
| Median Home Price | $196,000 |
| Median Household Income | $63,700 |