Living Affordably in West Michigan
Thinking about buying a home in West Michigan, but worried about price?
The good news: While Grand Rapids continues to grow (and get pricier), there are plenty of nearby cities and towns that are still budget-friendly — without sacrificing lifestyle.
Whether you’re a first-time buyer or relocating to the area, these six cities offer excellent value, safe neighborhoods, and easy commutes.
️ 1. Wyoming, MI
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Average home price: ~$220,000
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Just minutes from downtown Grand Rapids
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Safe, family-friendly neighborhoods with parks and shopping
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Rapid bus access + quick highway connections
Why it’s affordable: Wyoming offers the convenience of the city without Grand Rapids’ higher home prices. Property taxes are slightly higher than average though. It’s important to review those when finding a home you love.
2. Muskegon, MI
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Average home price: ~$165,000
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Located on the shores of Lake Michigan
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Growing downtown, beach access, and low property taxes
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Great for remote workers or those who don’t need to commute daily
Why it’s affordable: Muskegon is still in the early stages of revitalization — meaning more house for your money.
️ 3. Holland, MI (select neighborhoods)
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Average home price overall: ~$280,000
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Affordable pockets still exist, especially near Zeeland or north of downtown
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Strong job market, schools, and lake access
Why it’s affordable (in parts): Look just outside the city center for homes priced $220K–$240K — still below state and national averages.
4. Zeeland, MI
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Average home price: ~$235,000
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Quiet, charming town just 25 minutes from Grand Rapids
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Excellent schools and low crime
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Growing popularity among young families
Why it’s affordable: Zeeland offers small-town living with city access, and homes here often cost $30K–$50K less than in Holland proper.
️ 5. Allegan, MI
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Average home price: ~$160,000
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Historic riverfront town between Kalamazoo and Holland
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Low taxes, walkable downtown, and strong community feel
Why it’s affordable: More rural and off the beaten path, but perfect for buyers looking to stretch their dollars.
6. Ionia, MI
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Average home price: ~$145,000
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About 35 minutes east of Grand Rapids
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Small-town vibe with low home prices and taxes
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Up-and-coming for first-time buyers and remote workers
Why it’s affordable: Home prices here are among the lowest in West Michigan, especially for buyers open to some light renovation.
West Michigan Affordability at a Glance
| City | Avg. Home Price | Commute to GR |
|---|---|---|
| Ionia | ~$145,000 | ~35 minutes |
| Allegan | ~$160,000 | ~40 minutes |
| Muskegon | ~$165,000 | ~45 minutes |
| Zeeland | ~$235,000 | ~25 minutes |
| Wyoming | ~$220,000 | ~10 minutes |
| Holland | ~$280,000 | ~35 minutes |
Final Thoughts
West Michigan is full of hidden gems — and if you’re open to living just outside the biggest cities, you can save tens of thousands of dollars on your home purchase.
Want to explore how much house you can afford in any of these areas?
Schedule a friendly chat — we’ll break it down for you with real numbers, based on your income and goals. Or call is at 616-465-5725. We would love to speak with you!
NEW! Only 1% Down!
Did you know JPAL Mortgage now offers a 1% down payment program for qualified buyers?
That means if you’re buying a $200,000 home, your down payment could be just $2,000.*
With our unique 1% down conventional loans, you contribute 1% and your lender pays an extra 2%, totaling 3% down at closing. Additionally, gift funds and down payment assistance can be used to cover your entire down payment. This is an excellent way to achieve homeownership without straining your finances.
Let’s see if you qualify — or call us at 616-465-5725. Your dream home might be closer than you think!
*Program offered by United Wholesale Mortgage, a current wholesaler of JPAL Mortgage. The principal, interest and MI payment on a $200,000 30-year Fixed-Rate Loan at 6.625% and 97% loan-to-value (LTV) is $1,370.62. The principal and interest payments, which will continue for 360 months until paid in full, do not include taxes and home insurance premium, which will result in a higher actual monthly payment. Rates current as of 06/10/25. United Wholesale Mortgage pays the lesser of 2% or $7,000 of the down payment. Borrower pays 1% of the down payment (or remaining down payment needed if 2% exceeds $7,000). Subject to borrower approval. Some exclusions may apply.
Buying Your First Home in Michigan?
You’ve got questions. We’ve got answers — and real guidance to help you feel confident from pre-qualification to closing day.
JPAL Mortgage is proudly based in Michigan, where its two owners were born and raised! We love this state and have traveled it far and wide. It’s a passion of ours to help make a smooth landing here in Michigan!
JPAL Mortgage – Your best friend in home finance.
All loans require complete underwriting approval, including satisfactory appraisal and clear title work. Interest rates and closing costs are subject to change. NMLS ID #2189752 | Equal Housing Opportunity