Real Estate Investing in Bentley, Michigan (48613)

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

Bay County • Population: 986 • Data updated: September 2026

☆ Watch this market Free account

Should you buy in 48613 (Bentley, MI)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (64/100)

Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.

📈 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
1 flag
  • High vacancy: 12.9% of homes vacant — above national norms.

• Limited market data — this is a very small market; averages are built from few observations and can swing widely. • Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Bentley, MI (48613)?

Click any question — our AI will research it live from the web and show you sources.

✨ Live AI + Web Search
Want to ask your own questions? Upgrade to Pro for unlimited custom queries.
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 $204,653
Avg Monthly Rent $1,170
1% Rule ✗ Does Not Meet
Median Income $49,833
% Renters 9.2%

Market Analysis: 48613 Bentley

Not every below-median market is a bargain. Bentley's 48613 ZIP comes in at signals that favor experienced operators who can absorb the risk $205K pricing implies.

If the plan assumes clean turnover, on-time rent, and low maintenance on a $205K asset, 48613 is the wrong submarket. If the plan prices in friction, the yield can still work.

The gap between 48613 and stronger Bentley ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.

Resident income in 48613 sits below the county median. That reality colors rent collection, vacancy, and reinvestment math in ways that outside investors often underestimate.

The 48613 ZIP fits a narrow investor profile — hands-on, patient, and willing to accept that the cap rate on paper is not the cap rate in reality.

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 Bentley:

C+ Average
Buy Confidence Score: 67/100
Affordability
15/25
Appreciation
22/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.1× the median income
Value Trend
Rising (+12.4%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,170/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
Bay City, MI Metro Area
Even conditions for buyers and sellers
35 days
Average time to sell
Average
11.4%
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 Bay City, MI metro data

Market Trends

Home Value History (with trend line)

$214K$188K$162K$136K$110K$84KFeb 2016May 2021Jul 2026

📊 How Does 48613 Compare?

Metric 48613 Bentley Bay City, MI Michigan
Home Value $204,653 $204,653 N/A $253,279
5-Year CAGR 6.6% 6.6% N/A 6.8%
Avg Rent $1,170 $1,170 N/A -
Cap Rate 4.5% 4.5% - -
💡 Why Invest in 48613? 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 →
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
Open the Market Finder →
Free to search · investor plans from $19/mo

Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 48613 (Bentley, MI). Anonymous, moderated, never written by AI.

Do you own or manage rentals in ZIP 48613 (Bentley, MI)?

~25 seconds · no account needed · your report is anonymous

Investability
Good
Cap Rate
4.5%
Fair
5yr Growth
+6.6%
Strong

📉 Market Crash Risk Index

Based on Bay City, 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
35 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $204,653
Monthly Rent $1,170
Price-to-Rent 14.6:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 6.9%
Cap Rate 4.5%
5-Year IRR 11.0%

📈 Home Appreciation

1-Year +12.4% ▲
3-Year CAGR +7.6% ▲
5-Year CAGR +6.6% ▲
10-Year CAGR +7.9% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 4.5%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.5%). 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
12.9%
Moderate risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+6.6%
Growing
Eviction process: Fast Rent control: Favorable

Demographics in 48613

Population: 986

💰 Median Household Income
$49,833
This area
$49,833
State
$68,013
USA
$74,580
🏠 Renter Occupied
9.2%
This area
9.2%
State
19.4%
USA
34.0%
💼 Unemployment Rate
4.3%
This area
4.3%
State
-2.8%
USA
3.7%
🎓 College Educated
11.5%
This area
11.5%
State
16.5%
USA
33.7%
👤 Median Age
42.3 years
This area
42.3 years
State
36.1 years
USA
38.9 years
🏚️ Vacancy Rate
12.9%
This area
12.9%
State
20.4%
USA
10.5%
👥 Population by Ethnicity
White 95.7%
Other/Mixed 4.3%
Hispanic/Latino 1.4%
👶 Under 18
19.4%
This area
19.4%
USA
22.0%
👴 65 and Over
22.4%
This area
22.4%
USA
17.3%
📊 Poverty Rate
8.1%
This area
8.1%
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

Frequently Asked Questions

How quickly do rentals get leased in Bentley, MI?

Vacancy risk in Bentley, MI is elevated. That supports predictable cash flow for typical rental holds.

What kind of tenants rent in Bentley, MI?

Tenant quality in Bentley, MI ranks as solid. Landlords generally report reliable occupancy at market rents of $1,170/mo.

What kind of market is Bentley, MI for investors?

Our data puts Bentley, MI at 3.0/5 for investability. Home prices of $205K and rents around $1,170/mo create a solid backdrop for investor activity.

Is Bentley, MI a good market for FHA house hackers?

Bentley, MI offers a challenging house-hacking opportunity. Small multifamily or rent-by-the-room plays can pair well with the $1,170/mo rent level.

What investment strategy works best in Bentley, MI?

In Bentley, MI the resilient play is typically careful cash-flow rentals with hands-on management. The combination of $205K prices and $1,170/mo rents suits that approach.

You know 48613 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 48613 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.

Compare Plans

How 48613 ranks in Bay City, MI

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
🤖

AI Market Advisor

Ask questions about investing in 48613 (Bentley)

Loading...

Community Ratings

What people who’ve spent time here actually say. Not paid reviews.

Be the first to rate 48613 (Bentley, MI).

It takes 30 seconds. No signup. Your rating helps everyone who comes here after you.