ZIP 49910 · Bergland, MI · 254 residents · September 2026
Bergland 49910: the market leans toward sellers.
Conditions tightening in sellers' favor. Typical home value $167K, +16.5% over 12 months; listings take 116 days to sell against 60 in the median U.S. ZIP.
Market balanceSeptember 2026
In Mar 2026: +66
Higher than 75% of scored ZIPs
Five parts, weighted. How the score works →
The reading
Where the balance sits this month and what moved it.
Month by month, since the gauge began
- Mar 2026+66
- Apr 2026+41
- May 2026+41
- Jun 2026+39
- Jul 2026—no reading on record
- Aug 2026—no reading on record
- Sep 2026+39
Each block is one month’s reading, −100 (buyers) to +100 (sellers). The series starts in March 2026. A dashed block has no reading on record. How the balance is measured →
What is pulling the needle
- 116 days on marketslower than the U.S. median ZIP's 60 days
- 0% of listings cut pricefewer than the U.S. median ZIP's 20%
- Sale-to-list —No sale-to-list figure for this ZIP
- 3 active listings+50% vs a year ago
Blue pulls toward buyers, orange toward sellers. Realtor.com, September 2026; Redfin.
Accelerating: prices +16.5% over the trailing year, with the market leaning toward sellers.
Asking price vs sale price
Zillow's figure is a smoothed index of typical value, not a list price; Redfin's are closed sales for the month shown. A dash means Redfin has no closed-sale figure for the latest month.
Last 90 days
How the typical value and the listings moved over the last three months.
Prices
Typical home value since 2022, and how far it moved over each window.
Zillow ZHVI peaked at $166,523 in May 2026, which is the latest value. The sharpest 12-month move was −4.2%, ending January 2024.
Zillow's typical home value here, $167K in August 2026, is 42% below the median U.S. ZIP's $289K. Over the 12 months to August 2026, Zillow's typical home value moved +16.5% here and +2.8% in the median U.S. ZIP.
Price tiers and bedrooms
Zillow typical values by price tier, home type and bedrooms, May 2026.
How it ranks
Appreciation by window
| Window | Change | Per year | U.S. rank | Michigan rank |
|---|---|---|---|---|
| 1 year | +16.5% | +16.5%/yr | Top 1% nationally | Top 1% in Michigan |
| 3 years | +17.9% | +5.6%/yr | Top 10% nationally | Top 11% in Michigan |
| Since 2022 | +14.8% | +3.7%/yr | — | — |
Zillow ZHVI · rank among scored ZIPs
Payment
What a typical home here costs each month, against the typical income.
Monthly payment
$1,34531% of the median household income here ($51,250)Between the 28% and 36% lines lenders use. Rate is the Freddie Mac average for September 2026; tax is the state's statutory rate.
Insurance uses the average homeowners premium insurers reported for this ZIP in 2022, $923 a year (Treasury Federal Insurance Office).
Buying costs $265 a month more than the HUD fair market rent for a 2-bedroom here (FY 2026), before tax effects and maintenance.
Price-to-income ladder
Median home value ÷ median household income · Zillow ZHVI, Census ACS · under 4× has historically been comfortable
The place
What it costs to own here beyond the price, and what the neighborhood is like.
Typical homes cost 3.3× the median household income here, against 3.6× in the median MI ZIP and 4.3× in the median U.S. ZIP (Zillow, August 2026; Census ACS 2023). Median household income is $51,250 here, against $71,388 in the median U.S. ZIP (Census ACS 2023).
Hazard ledger
FEMA National Risk Index, December 2025 release, refreshed annually · tract-level rolled up to ZIP · not a property-level rating · no future-year projection · the tick is the median of 4 scored ZIPs in Ontonagon County.
Housing cost burden
Census ACS 2023 five-year estimates · the tick is the U.S. median ZIP.
Behind the score
The inputs behind each of the five parts, against the U.S. median ZIP.
Livability
38Seller's report
A two-page brief for selling here: the market balance, recent signals and an illustrative net-proceeds estimate.
Nearby
1 scored Michigan ZIP within 12 miles; the ones below score within ten points and cost less.
Dots are Michigan ZIP centers colored by market balance; the ring is 12 miles.
Sources and freshness
Every figure on this page, where it came from and when.
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