Real Estate Investing in Temperance, Michigan (48182)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Monroe County • Population: 20,705 • Data updated: September 2026

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Should you buy in 48182 (Temperance, MI)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (80/100)

Solid choice — values are growing steadily and the market is stable enough to buy with confidence.

📈 For Investors
MIXED
3.0 / 5 (52/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
CLEAN

No major risk flags on the data we track.

What’s happening in Temperance, MI (48182)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

4.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $305,604
Avg Monthly Rent $1,974
1% Rule ✗ Does Not Meet
Median Income $80,611
% Renters 17.0%

Market Analysis: 48182 Temperance

Meanwhile, ZIP 48182 has challenges — vacancy pressure, softer price growth, and tenant stability concerns sit alongside the $306K median. It rewards specialists, not generalists.

Distressed does not mean uninvestable. It means the margin for error is thinner. ZIP 48182 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.

Regionally, 48182 sits on the difficult end of the MI spectrum. The a solid fit for read — for disciplined operators — is that pricing reflects the difficulty.

Resident income in 48182 sits below the county median. That reality colors rent collection, vacancy, and reinvestment math in ways that outside investors often underestimate.

tilts toward the ZIP is not uninvestable, but it is unforgiving. Section 8 landlords, local operators, and specialized value-add funds are the investor types that tend to succeed.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Temperance:

B Good
Buy Confidence Score: 73/100
Affordability
15/25
Appreciation
22/25
Stability
13/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.8× the median income
Value Trend
Rising (+9.2%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,974/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
⚖️
BALANCED MARKET
Monroe, MI Metro Area
Even conditions for buyers and sellers
33 days
Average time to sell
Average
8.8%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Monroe, MI metro data
🏠

Property Strategy for 48182

Which property type performs best in this market?

Best for Cash Flow
2BR
5.3% cap rate
Best for Appreciation
2BR
+7.5% 5yr CAGR
Best Overall Value
5BR
$81,294/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $207,376 $1,540 5.3% +7.5% $103,688
3BR $271,139 $1,860 4.9% +7.3% $90,380
4BR $344,631 $2,490 5.2% +7.1% $86,158
5BR $406,468 +6.9% $81,294

Market Trends

Home Value History (with trend line)

$319K$281K$242K$204K$166K$128KJul 2006Jul 2016Jul 2026

Rent History (with trend line)

No data available

📊 How Does 48182 Compare?

Metric 48182 Temperance Monroe, MI Michigan
Home Value $305,604 $305,604 N/A $253,279
5-Year CAGR 5.7% 5.7% N/A 6.8%
Avg Rent $1,974 $1,974 N/A -
Cap Rate 5.0% 5.0% - -
💡 Why Invest in 48182? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

📊 See where this ZIP ranks in our Best-of lists →
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 48182 (Temperance, MI). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
5.0%
Fair
5yr Growth
+5.7%
Moderate

📉 Market Crash Risk Index

Based on Monroe, MI metro

0/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
0/3
42%
Days Pending
0/2
33 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $305,604
Monthly Rent $1,974
Price-to-Rent 12.9:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 7.8%
Cap Rate 5.0%
5-Year IRR 10.7%

📈 Home Appreciation

1-Year +9.2% ▲
3-Year CAGR +5.7% ▲
5-Year CAGR +5.7% ▲
10-Year CAGR +6.0% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 5.0%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (5.0%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.

Run an IRR Analysis →

⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
3.3%
Low risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+5.7%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 48182

Population: 20,705

💰 Median Household Income
$80,611
This area
$80,611
State
$68,013
USA
$74,580
🏠 Renter Occupied
17.0%
This area
17.0%
State
19.4%
USA
34.0%
💼 Unemployment Rate
1.9%
This area
1.9%
State
-2.8%
USA
3.7%
🎓 College Educated
29.7%
This area
29.7%
State
16.5%
USA
33.7%
👤 Median Age
45.8 years
This area
45.8 years
State
36.1 years
USA
38.9 years
🏚️ Vacancy Rate
3.3%
This area
3.3%
State
20.4%
USA
10.5%
👥 Population by Ethnicity
White 94.9%
Other/Mixed 4.2%
Hispanic/Latino 2.4%
Black/African American 0.9%
Asian 0.1%
👶 Under 18
20.7%
This area
20.7%
USA
22.0%
👴 65 and Over
20.5%
This area
20.5%
USA
17.3%
📊 Poverty Rate
3.2%
This area
3.2%
USA
11.5%

Crime & Safety

🚧

Crime & Safety Data Coming Soon

We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.

Expected: Q1 2025

🎓 Schools in 48182

B Avg School Grade
4 Schools
17.7:1 Avg Class Size
$14,946 Avg Per Pupil

Schools in This ZIP Code

B+ Above Average

Jackman Road Elementary School

📚 Pre-K – 05 Elementary
👥
588 Students
👨‍🏫
17.0:1 Class Size
💰
$14,946 Per Student
B Good

Bedford Senior High School

📚 09 – 12 High School
👥
1,256 Students
👨‍🏫
17.3:1 Class Size
💰
$14,946 Per Student
B Good

Bedford Junior High School

📚 06 – 08 Middle
👥
923 Students
👨‍🏫
18.9:1 Class Size
💰
$14,946 Per Student
C+ Average

Smith Road Elementary School

📚 Grade PK Elementary Limited Data
💰
$14,946 Per Student
About Repit School Scores

Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.

We evaluate schools based on factors that research shows actually impact educational outcomes:

  • Class Size — Smaller classes mean more individual attention
  • School Funding — Resources available for programs, staff, and facilities
  • Community Factors — Neighborhood characteristics that influence student success
  • School Environment — Size, type, and structure

Scores are updated annually using federal education data.

🎓 Nearby Colleges & Universities

8 Nearby 1,495 Off-Campus Students
C
Paul Mitchell the School-Toledo
169 students · 7.5 mi
D
Ross College-Sylvania
1,273 students · 7.5 mi
C+
Toledo Public Schools Adult and Continuing Education
33 students · 7.6 mi
D
Lourdes University
1,014 students · 8.7 mi
C+
University of Toledo
14,939 students · 9.3 mi
C
Mercy College of Ohio
1,150 students · 9.3 mi
D
Davis College
95 students · 9.9 mi
C
Salon Institute-Toledo Campus
152 students · 10.1 mi

Investor Insight: With 1,495 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

What price range are homes in Temperance, MI?

Median home price in Temperance, MI is near $306K, with a 5-year CAGR of 0.0%. Prices have been reliable and supportive of buy-and-hold strategies.

How does Temperance, MI stack up for property investment?

Yes - Temperance, MI a 3.0/5 investability score. With $306K home prices against $1,974/mo monthly rent, the market delivers a reasonable entry point for new investors.

Is it easy to find good tenants in Temperance, MI?

Tenant demand in Temperance, MI is solid. The local workforce $1,974/mo rents across most rental classes.

Which real estate strategy fits Temperance, MI?

Investors who focus on careful cash-flow rentals with hands-on management typically do well in Temperance, MI. The numbers - $306K homes against $1,974/mo rents - support that play.

Does Temperance, MI favor landlords or tenants?

Temperance, MI operates under MI law, which is landlord-friendly overall for landlords. Expect steady treatment in typical lease and eviction cases.

You know 48182 now. You don’t know where it ranks.

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How 48182 ranks in Monroe, MI

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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