(Photo by Tim Boyle/Getty Images)

There’s no denying that the housing market is really tough right now. Prices are very high with no end in sight, and now, interest rates are going up.

If you’re looking to buy your first home, chances are having an extra $10,000 for the downpayment would help. Now, the state of Michigan is offering up to $10,000 to help new buyers get their first home.

This program is called the MI $10K Downpayment Assistance Program, and it offers eligible buyers up to $7,500 in loans in most areas and up to $10,000 in some zip codes. To qualify, you have to meet the county’s household income limit, the home sale price must be lower than $224,500 and your minimum credit score has to be 640.

“The MI Home Loan program is a mortgage product that is available to first-time homebuyers state-wide and repeat homebuyers in targeted areas. All homebuyers work directly with a participating lender,” the program’s official website states. The program is “available to first-time homebuyers (have not owned a home in the previous three years) statewide and repeat homebuyers in targeted areas,” according to the site.

We’ve already talked about the crazy housing market. Check out how much it’s gone up in just a few years: In April 2019, the average price of a home was $169K. Currently, the average price of a home is $231K. It’s hard to wrap my head around those numbers. To learn more information about the MI $10K Downpayment Assistance Program and to check if you qualify, visit the MSHDA’s website here.

These Are the Top 50 Michigan Areas to Buy a House

  • 50 Best Places to Buy a House in Michigan

    This list is via Niche.com.

  • 50. Oneida

    Living in Oneida

    See what it's like to live in Oneida, MI. Explore reviews and statistics on crime, real estate, and cost of living.

  • 49. Royal Oak

    https://www.instagram.com/p/Cb0G7-SrAuy/

  • 48. Williamston

    Williamston, City > Home

    Our goal is to provide information about our community for residents and visitors to learn about who we are and what we can provide. This will be an ongoing project with updates and additions as we go along, so check back often!

  • 47. Blendon Township

    Blendon Township

    The official government site of Blendon Township, Ottawa County Michigan

  • 46. Tecumseh Township

    Tecumseh Township

    Tecumseh Township is located in southeastern Michigan in the county of Lenawee. The township covers an area of 13.407 square miles with a population of 1972. Notice of Public Hearing Tecumseh Township A Public Hearing will be held on Monday January 10, 2022, at 6:00 P.M.

  • 45. Sheridan Charter Township

    Living in Sheridan Charter Township

    Sheridan Charter Township is located in Michigan with a population of 2,767. Sheridan Charter Township is in Newaygo County and is one of the best places to live in Michigan. Living in Sheridan Charter Township offers residents a rural feel and most residents own their homes.

  • 44. Jamestown Charter Township

    http://twp.jamestown.mi.us/

  • 43. Ferrysburg

    City of Ferrysburg | A Tri-Cities Community

    Ferrysburg's roots are woven deeply into the fabric of the Tri-Cities area. Since incorporation as a city in 1963, work has progressed steadily to develop the community with imagination and an eye to the future. Adequate transportation, open land, industrial diversification, recreational resources and substantial residential development all serve to help underwrite and insure the Ferrysburg of tomorrow.

  • 42. Lima

    Home

    Historic Residence in Lima Township Addresses Mailing AddressP.O. Box 59Chelsea, MI 48118Mail All:Tax PaymentsAbsentee BallotsBallot ApplicationsVoter RegistrationsAll CorrespondenceTownship Office12172 Jackson Rd.Dexter, MIM-W-Thu 9-12 noonNo Mail Delivery toThis Address.TaxesPermitsAssessingRegister to VoteAbsentee Ballots 24/7 Drop BoxTownship Hall11452 Jackson Rd.Dexter, MI(meetings & voting)MeetingsPrecinct #1 and [...]

  • 41. Frankenmuth

    Frankenmuth Michigan | Frankenmuth

    Introducing, The Bavarian Bierpass Your Tool for Exploring Frankenmuth Through Beer, Wine, & Spirits Grab your passport for a trip around Michigan's Little Bavaria - When you successfully complete the journey around town, a prize awaits you at the end!

  • 40. Courtland Township

    Courtland Township, MI |

    ISO someone that can build two sets of horseshoe pits (similar to the ones pictured) at the Courtland Township park....

  • 39. Bloomfield Charter Township

  • 38. Ingersoll

    Living in Ingersoll Township

    Ingersoll Township is a suburb of with a population of 2,681. Ingersoll Township is in Midland County. Living in Ingersoll Township offers residents a rural feel and most residents own their homes. In Ingersoll Township there are a lot of parks. Many young professionals and retirees live in Ingersoll Township and residents tend to be conservative.

  • 37. Grand Haven Charter Township

    https://www.facebook.com/GHTownship/posts/340894314744858?__cft__[0]=AZWQXxmG0MkMPHQXETjDV-qPqXGDGyKIQlyh60VsDVJZuOuKiXozVEBpLhlylDbtK_UxHfRcPAZSe39EqfifIWbCYo6QzSPWBoyVsc9YhO9RIvKTQBkXO4k18qitTug_IKtBM5Tho-dJ3BRtaNU2KKH4&__tn__=%2CO%2CP-R

  • 36. Baldwin Township

  • 35. Haslett

    Living in Haslett

    Haslett is a suburb of Lansing with a population of 19,565. Haslett is in Ingham County and is one of the best places to live in Michigan. Living in Haslett offers residents a dense suburban feel and most residents own their homes. In Haslett there are a lot of restaurants and parks.

  • 34. Jenison

    Living in Jenison

    Jenison is a suburb of Grand Rapids with a population of 17,431. Jenison is in Ottawa County and is one of the best places to live in Michigan. Living in Jenison offers residents a dense suburban feel and most residents own their homes. In Jenison there are a lot of parks.

  • 33. DeWitt

    Living in DeWitt

    DeWitt is a suburb of Lansing with a population of 4,691. DeWitt is in Clinton County and is one of the best places to live in Michigan. Living in DeWitt offers residents a suburban rural mix feel and most residents own their homes. Many families live in DeWitt and residents tend to lean conservative.

  • 32. Quinnesec

    Living in Quinnesec

    Quinnesec is a town in Michigan with a population of 1,177. Quinnesec is in Dickinson County. Living in Quinnesec offers residents a rural feel and most residents own their homes. In Quinnesec there are a lot of bars. Many retirees live in Quinnesec and residents tend to be conservative.

  • 31. Freeland

    Freeland

    Freeland is located about 15 miles northwest of Saginaw in the Great Lakes Bay Region. Freshwater adventures and natural wonders are beckoning you to Lake Huron's Saginaw Bay.

  • 30. Resort Township

    Resort Township Michigan News

    Curbside Spring Clean-up 2022 Curbside spring clean-up is scheduled to begin Monday, May 16, 2022. You can put up to 2 cubic yards of miscellaneous material out at the edge of the road. This would be a pile approximately 4'x4'x4' high. It should be at the street by Monday, May 16th at 7:00am.

  • 29. Midland

    Midland, MI - Official Website | Official Website

    Midland teens ages 12-17 will learn how to create televised sporting events and assist in a live broadcast production of a Great Lakes Loons game. Read on...

  • 28. Grosse Point Woods

    Grosse Pointe Woods Michigan Home Page

    2021 Water Quality Report This report provides a snapshot of the drinking water quality for Grosse Pointe Woods for the calendar year 2020

  • 27. Oakland Charter Township

    Living in Oakland Charter Township

    Oakland Charter Township is a suburb of Detroit with a population of 19,115. Oakland Charter Township is in Oakland County and is one of the best places to live in Michigan. Living in Oakland Charter Township offers residents a rural feel and most residents own their homes.

  • 26. Webster Township

    Living in Webster Township

    See what it's like to live in Webster Township, MI. Explore reviews and statistics on crime, real estate, and cost of living.

  • 25. Troy

    Welcome to City of Troy, Michigan

    How often are City Council meetings held and where?

  • 24. Fulton Heights

    Fulton Heights Neighborhood Association

    Fulton Heights Neighborhood Association A Nonprofit Organization of Neighborhood Residents Our mission is to sustain a welcoming neighborhood that fosters interaction and communication among residents. We advocate for the neighborhood and keep residents informed.

  • 23. Brighton Township

    Brighton Township, MI | Official Website

    Create an Account - Increase your productivity, customize your experience, and engage in information you care about.

  • 22. Texas Charter Township

    Texas Charter Township, MI | Official Website

    Create an Account - Increase your productivity, customize your experience, and engage in information you care about.

  • 21. Portage Charter Township

    Charter Township of Portage

    Portage Township | Michigan

  • 20. Crockery Township

    Crockery Township

    Search for Crockery Township under the look-up for municipalities. From there you will fill in the appropriate information to obtain your desired information. If you are not the property owner, charges may apply.

  • 19. Norway Township

    Norway Township Michigan |

    Norway Township is located in the south central portion of Dickinson County and consists of approximately 89 square miles. According to the 2010 census there are 1,489 people living in the township with the majority living in the southern portion which consists of rolling hills and farmland.

  • 18. Zeeland Charter Township

    Zeeland Charter Township | Zeeland, MI

    Zeeland Township is a beautiful Township which shows pride in its historic background and its strong religious heritage. The Township, named after the Province of Zeeland in the Netherlands, was settled in 1847 by a group of 457 courageous settlers who were seeking religious and political freedom.

  • 17. Northville

    Home

    No Description

  • 16. Cannon Township

    Living in Cannon Township

    Cannon Township is a suburb of Grand Rapids with a population of 14,792. Cannon Township is in Kent County and is one of the best places to live in Michigan. Living in Cannon Township offers residents a rural feel and most residents own their homes.

  • 15. Beverly Hills

    Beverly Hills Real Estate - Beverly Hills MI Homes For Sale | Zillow

    Zillow has 14 homes for sale in Beverly Hills MI. View listing photos, review sales history, and use our detailed real estate filters to find the perfect place.

  • 14. Forest Hills

    Living in Forest Hills

    Forest Hills is a suburb of Grand Rapids with a population of 27,830. Forest Hills is in Kent County and is one of the best places to live in Michigan. Living in Forest Hills offers residents a rural feel and most residents own their homes.

  • 13. West Ishpeming

    Living in West Ishpeming

    West Ishpeming is a town in Michigan with a population of 2,739. West Ishpeming is in Marquette County. Living in West Ishpeming offers residents a rural feel and most residents own their homes. Many retirees live in West Ishpeming and residents tend to lean conservative. The public schools in West Ishpeming are highly rated.

  • 12. Tilden Township

    Living in Tilden Township

    Tilden Township is located in Michigan with a population of 1,047. Tilden Township is in Marquette County. Living in Tilden Township offers residents a rural feel and most residents own their homes. In Tilden Township there are a lot of bars. Many families live in Tilden Township and residents tend to be conservative.

  • 11. Huntington Woods

    Welcome to Huntington Woods, MI

    NEW Voter Information Cards will be hitting mailboxes this week! The new card will be updating you on the new US Congressional, State Senate, State Rep and County Commission districts for the City of Huntington Woods. This is for informational purposes only and no response on the voter's part is necessary.

  • 10. Hudsonville

    Welcome to Hudsonville, Michiganhome

    Welcome to the official website of Hudsonville, Michigan

  • 9. Ottawa Hills

    HOME | Ottawahillsgr

    Welcome to Ottawa Hills! Established in 1922, Ottawa Hills is a historic neighborhood in southeast Grand Rapids, MI bordered by Hall, Giddings, Franklin, and Cadillac streets. This shows all the homes in OHNA. In response to the COVID-19 pandemic we know how important it is to stay safe.

  • 8. Grosse Pointe Farms

    City of Grosse Pointe Farms

    Welcome to City of Grosse Pointe Farms

  • 7. Okemos

    Okemos

    Enjoy the convenience of this beautiful community and quiet location near Michigan State University. Hand-crafted and award-winning restaurants offer amazing flavor. Shop our stores and find great deals at the [...]

  • 6. Lodi Township

    Lodi Township

    2022-2023 Approved Budget can he found HERE Lodi Township Fall Newsletter 2021 can be found HERE With the approval of Proposal 18-3. ANYONE can request an Absentee Ballot. Save yourself some time on Election Day and sign up TODAY for the Permanent AV list and receive an APPLICATION for every election.

  • 5. Royalton Township

    No Title

    No Description

  • 3. Berkley

    Berkley

    Situated to enjoy small town benefits with an active downtown district and home to the annual Dream Cruise Parade.Catching Fireflies, voted best gift shop, is downtown. Experience authentic German cuisine at The Berkley Front Restaurant & Tavern.

  • 2. Eastgate

    Living in Eastgate

    Eastgate is a neighborhood in Grand Rapids, Michigan with a population of 9,421. Eastgate is in Kent County and is one of the best places to live in Michigan. Living in Eastgate offers residents an urban suburban mix feel and most residents own their homes.

  • 1. Larkin Charter Township

    Welcome to Larkin Charter Township

    MATS Public Open House 2023-2026 Transportation Improvement Program - Share Your Comments Wednesday, May 11, 2022 5-7 PM @ Midland County Services Building, 220 W. Ellsworth St, Midland - Main Atrium MATS presents the Proposed FY 2023-2026 Transportation Improvement Program draft document. Public review period extends to May 31, 2022.

Anne Erickson's love for music drew her into radio, and she started shortly after graduating from MSU. She has a passion for rock and metal, plus local music. She also fronts the band Upon Wings. Email Anne at erickson@WRIF.com, follow her on Instagram at @EricksonAnne and tweet at her @AnneErickson!