Moving to Michigan? Here’s What You Need to Know About Buying a Home
So, you’re planning a move to Michigan — welcome! Whether you’re relocating for work, family, lifestyle, or a fresh start, buying a home here can be exciting… and a little overwhelming.
That’s why we put together this friendly guide — no jargon, no stress, just clear answers to help you feel confident about buying your new Michigan home.
️ Why Are So Many People Moving to Michigan?
Michigan has become a top relocation destination for a few great reasons:
-
Affordable housing (compared to many other states)
-
Access to nature — lakes, trails, seasons
-
Good schools and family-friendly cities
-
Booming job markets in healthcare, tech, and manufacturing
-
No big-city pressure (but easy access to metros like Detroit or Chicago)
Whether you’re eyeing Grand Rapids, Ann Arbor, Lansing, or a smaller town, you’ll find a strong sense of community and room to grow.
How the Homebuying Process Works in Michigan (for Out-of-Staters)
Here’s what the process typically looks like for people relocating to Michigan:
-
Get Pre-Approved First
Before you fall in love with a house, talk to a local lender (like us!) to see how much you can afford. -
Choose Your Area
Think about commute times, schools, lifestyle, and housing prices. We’ll help you compare areas if you’re not sure. -
Find a Local Agent You Trust
We work with awesome buyer’s agents who can help you tour homes virtually or in-person when you visit. -
Make an Offer & Negotiate
Michigan is mostly a buyer-agent market. Offers typically include inspection and financing contingencies. -
Close Remotely (Yes, It’s Possible!)
Many out-of-state buyers close from afar. We walk you through every step and handle the Michigan-specific paperwork.
Michigan Housing Market Snapshot (2025)
-
Median home price statewide: ~$235,000
-
Popular first-time buyer markets:
-
Grand Rapids: $250K–$300K
-
Kalamazoo: $180K–$220K
-
Lansing: $190K–$230K
-
Detroit suburbs: $200K–$350K
-
Bonus: You’ll find lower property taxes than in many other states — and you don’t need to waive inspections to win a home like in hot markets elsewhere.
Programs for Relocating & First-Time Buyers
If you’re buying your first home in Michigan, or just need a little help with upfront costs, you might qualify for:
-
FHA or VA – low or no down payment
-
Grants or lender credits depending on your job or situation
We’ll help you find every option you’re eligible for — it’s what we do.
Tips for a Smooth Michigan Move
-
️ Plan for snow if you’re arriving in winter — yes, we get a lot
-
Line up temporary housing if you’re still home-shopping
-
Transfer utilities and driver’s license within 30 days of moving
-
Hire local movers or get recommendations from your agent or lender
-
☕ Explore local favorites — cider mills, breweries, parks, lakes
You’re Not Doing This Alone
At JPAL Mortgage, we specialize in helping relocating buyers feel right at home — even if you’re hundreds of miles away right now.
We’ll guide you from first call to closing day with:
✅ Friendly, Michigan-based support
✅ Help comparing cities and loan options
✅ Fast answers via phone, text, or email
✅ A pre-approval that gives you confidence
Ready to Start Your Move?
Let’s talk through your goals, your timeline, and what you can afford.
Call or text us at (616) 465-5725
Or book a call or Teams meeting here
Grab your free relocation tool kit here!
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