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Luzerne 48636

ZIP codeThe kind of area this report covers. Neighborhood areas nest inside each other, from broad districts down to small pockets.Michigan
$282K
Median sale priceThe middle sale price each month, counting normal open-market sales. The average runs above the median when a few expensive sales pull it up. Bars show how many homes sold.
5
Sales (12 mo)How many homes sold here in the last 12 months. More sales make the other numbers more reliable.
$92K
Median valueThe middle estimated value of all homes here, not just the ones that recently sold.

Deed records through Jul 2026 · Quarterly intervals (lower sales volume)Counties take time to publish deeds, so the newest months can be incomplete and may shift as more records arrive.

Market Trends

Sale pricesThe middle sale price each month, counting normal open-market sales. The average runs above the median when a few expensive sales pull it up. Bars show how many homes sold.MedianSales
AprJul
Sale premium vs estimated valueHow sale prices compare with our estimated values at the time of sale. Above the dashed line, homes sold for more than the models expected — a sign of competitive bidding. Below it, buyers paid under model value.Premium
AprJul
Annual turnover (share of homes sold)The share of all homes here that sold in the trailing 12 months. Higher turnover means a more liquid market where homes trade hands more often.Turnover
AprJul
Buyer mixWho is buying. Cash means no mortgage was recorded, investor means the buyer looked like an investor, and flip means the home resold within a year.CashInvestorFlip resale
AprJul
Financing (share of purchase price)For buyers who borrowed: the middle share of the price they financed, and the middle share they paid up front.Loan (LTV)Down payment
AprJul
Preforeclosure filingsForeclosure notices filed each month. A rise can be an early sign that more owners are struggling. Auction stage counts the filings that reached a scheduled foreclosure auction.FilingsAuction stage
2022202320252026

Housing Stock

HomesHow many homes we have records for in this area.1,080
Median value (AVM)The middle estimated value of all homes here, not just the ones that recently sold.$92K
Single familyThe share of homes here that are single-family houses.100%

Equity & Ownership

Equity rich (LTV ≤ 50%)The share of owners who owe half or less of what their home is worth, meaning they hold a lot of equity.92%
Underwater (LTV ≥ 125%)The share of owners who owe at least 25% more than their home is worth.0.6%
Owner occupiedThe share of homes lived in by their owner rather than rented out or left empty.41%
Company ownedThe share of homes owned by a company or trust instead of a person.8.5%
Median loan-to-valueThe middle share of home value still owed on loans across all owners here.0%
Typical ownership tenureHow long the typical owner here has held their home.28.9 yrs

CommunityThese are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.139
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.94
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.10

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.52%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.9.7%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.15%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.2.3%
PopulationHow many people live in this area.990
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.12 / mi²
Median household incomeThe middle household income here — half of households earn more, half earn less.$49K
Average household incomeThe average household income. It runs higher than the median when a few high earners pull it up.$64K
Average tempThe average temperature here across a full year.43°F
Annual precipHow much rain and melted snow falls here in a typical year.32 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.50%

Market metrics are derived from recorded arms-length deeds and refreshed nightly. Temperature blends price momentum, sales velocity, turnover and resale outcomes, ranked against all ZIP codes nationally.

How Luzerne 48636 compares

By median home value, Luzerne 48636 is the 4th most expensive of 4 ZIP codes in Oscoda County, and its typical home is worth more than 35% of all homes in Oscoda County.

Home values in Luzerne 48636

Share of homes at each estimated value.

Median
$28K$418K
ZIP codes in Oscoda County ranked by median home value
#Oscoda CountyMedian valueHomes
1Comins 48619$175K642
2Fairview 48621$158K827
3Mio 48647$110K3,559
4Luzerne 48636$92K1,080

About the Luzerne 48636 market

What is the median home price in Luzerne 48636, MI?

The median sale price in Luzerne 48636, MI is $281,633 (data through July 2026), based on deeds recorded with the county.

How many homes sell in Luzerne 48636, MI each year?

5 homes sold in Luzerne 48636, MI over the last 12 months (data through July 2026). TopHap counts recorded arm's-length deeds, not listings, so the figure is not affected by which brokerage handled the sale.

How many homes are there in Luzerne 48636, MI?

Luzerne 48636, MI contains 1,080 residential properties. The median TopHap Estimate is $92K.

How does Luzerne 48636, MI compare to the rest of Oscoda County?

By median home value, Luzerne 48636, MI is the 4th most expensive of 4 ZIP codes in Oscoda County. Its typical home is worth more than 35% of all homes in Oscoda County. Mio 48647 ranks just above it. The ranking is rebuilt nightly from the county assessor record of every home in each area.

Do people own or rent in Luzerne 48636, MI?

41% of homes in Luzerne 48636, MI are owner-occupied. 9% are held by a company rather than an individual.

How much equity do owners in Luzerne 48636, MI hold?

92% of mortgaged homes in Luzerne 48636, MI are equity-rich, meaning the loan balance is under half the home's value. 0.6% owe more than the home is worth.

Nearby markets

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Explore Luzerne 48636 on the map

See every recorded sale, price heat map, school zone and flood overlay across Luzerne 48636 in TopHap’s interactive 3D map.

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