Safe Rate Local

Mortgage Rates in Shiawassee County, MI

7.124%APR 7.156% · $1,176/mo (20% Down)
Updated daily · May 21, 2026+0.218% (14d)
Safe Rate Choice20% Down Conv.
← Back to Shiawassee County Hub
14-Day Rate Trend
+0.218%
LO 6.885%HI 7.124%TODAY 7.124%
ProductRate / APR Mo. Payment Points
15-Year Refi
15-year fixed refinance
0% Down740 FICO15-yr
6.229%
6.276% APR
$1,439
Principal & Interest
$0 Points
FHA Streamline
FHA streamline refinance
+$97/mo MI
0% Down640 FICO30-yr
6.361%
7.131% APR
$1,335
Principal & Interest
$0 Points
VA Cash-Out
VA cash-out refinance
0% Down640 FICO30-yr
6.453%
6.827% APR
$1,369
Principal & Interest
$0 Points
VA IRRRL
VA streamline refinance
0% Down640 FICO30-yr
6.470%
6.623% APR
$1,253
Principal & Interest
$0 Points
Rate/Term Refi
Conventional rate/term refinance
0% Down740 FICO30-yr
7.133%
7.165% APR
$1,133
Principal & Interest
$0 Points
Cash-Out Refi
Conventional cash-out refinance
0% Down740 FICO30-yr
7.487%
7.521% APR
$1,219
Principal & Interest
$0 Points

Mortgage Rates in Shiawassee County: Local Market Snapshot

Median Home Value
$208,067
2-Yr Appreciation
15.6%
increase
Median Income
$68,784
household
Price-to-Income
3.0x
within reach

Rates updated daily via Safe Rate's pricing engine using live investor rate sheets, calibrated to Shiawassee County's local loan limits and FHFA market data. Your actual rate depends on credit score, down payment, and lender.

Frequently Asked Questions

Market Snapshot

FIPS 26155
Average Home Value
$208,067
Average Rent
$939/mo
Average Income
$68,784
Property Tax
$2,266/yr
Avg Loan
$168,071
Avg LTV
77.0%

Estimated Insurance

Homeowners Insurance
HO-3 policy · covers dwelling, property & liability
$91/mo
Flood Insurance$18/mo
Risk TierModerate
Get Your Rate

Get a custom quote for Shiawassee County, take our product quiz to find the right loan, or save this rate to your dashboard.

Rates are representative estimates using base pricing sourced from national wholesale lenders. Safe Rate Mortgage is a broker driven platform. Estimated rates incorporate 1.40% lender paid compensation (minimum $2,000, maximum $4,000). At initial launch, no compensation occurs. Demographic and housing data sourced from public HUD and FHFA datasets.