Real Estate Investing in Bergland, Michigan (49910)

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

Ontonagon County • Population: 254 • Data updated: September 2026

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Should you buy in 49910 (Bergland, MI)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (43/100)

Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.

📈 For Investors
WEAK
2.0 / 5 (38/100)

A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.

⚠️ Risks to Know
2 flags
  • High vacancy: 50.4% of homes vacant — above national norms.
  • Elevated poverty: 35.4% poverty rate — can affect rent collection.

• 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 Bergland, MI (49910)?

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2.0/ 5

Investability

Overall investment appeal

0.0/ 5

Appreciation

Long-term value growth

4.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $166,523
Avg Monthly Rent $972
1% Rule ✗ Does Not Meet
Median Income $51,667
% Renters 10.3%

Market Analysis: 49910 Bergland

ZIP 49910 in Bergland, MI carries a impressive set of headwinds. Home values near $167K and rents of $972/mo sit inside a market where underwriting has to be tight.

The 49910 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.

From a cash-flow lens, 49910 offers a low basis, the region around Bergland has moved on in ways that the ZIP itself has not fully absorbed. The result is a discount with genuine reasons.

A durable renter share of 10% in 49910 is not, on its own, a problem — but paired with below-average income and high mobility, it changes the operating playbook.

Distressed ZIPs reward experience. robust returns are possible in 49910, but they flow to investors who already understand how to operate in soft markets.

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 Bergland:

B Good
Buy Confidence Score: 75/100
Affordability
20/25
Appreciation
25/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.2× the median income
Value Trend
Rising (+18.5%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $972/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.

Market Trends

Home Value History (with trend line)

$169K$162K$155K$148K$141K$134KAug 2022Jun 2024Apr 2026

📊 How Does 49910 Compare?

Metric 49910 Bergland Michigan
Home Value $166,523 $166,523 $253,279
5-Year CAGR N/A N/A 6.8%
Avg Rent $972 $972 -
Cap Rate 4.6% 4.6% -
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 49910 (Bergland, MI). Anonymous, moderated, never written by AI.

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Investability
Fair
Cap Rate
4.6%
Fair

📊 Market Snapshot

Home Value $166,523
Monthly Rent $972
Price-to-Rent 14.3:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 7.0%
Cap Rate 4.6%
5-Year IRR 11.2%

📈 Home Appreciation

1-Year +18.5% ▲
3-Year CAGR +6.6% ▲
5-Year CAGR N/A
10-Year CAGR N/A

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 4.6%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.6%). 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.

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⚠️ Risk Signals

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

Vacancy
50.4%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
N/A
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 49910

Population: 254

💰 Median Household Income
$51,667
This area
$51,667
State
$68,013
USA
$74,580
🏠 Renter Occupied
10.3%
This area
10.3%
State
19.4%
USA
34.0%
💼 Unemployment Rate
0.0%
This area
0.0%
State
-2.8%
USA
3.7%
🎓 College Educated
22.2%
This area
22.2%
State
16.5%
USA
33.7%
👤 Median Age
67.1 years
This area
67.1 years
State
36.1 years
USA
38.9 years
🏚️ Vacancy Rate
50.4%
This area
50.4%
State
20.4%
USA
10.5%
👥 Population by Ethnicity
White 100.0%
👶 Under 18
3.8%
This area
3.8%
USA
22.0%
👴 65 and Over
66.1%
This area
66.1%
USA
17.3%
📊 Poverty Rate
35.4%
This area
35.4%
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 49910

C+ Avg School Grade
1 Schools
8.3:1 Avg Class Size

Schools in This ZIP Code

C+ Average
👥
50 Students
👨‍🏫
8.3:1 Class Size
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.

Frequently Asked Questions

How does Bergland, MI rate as a rental market?

Bergland, MI rates 2.0/5 for investability. With median values at $167K and rents near $972/mo, the market offers reasonable fundamentals for rental investors.

How tight is the rental market in Bergland, MI?

Bergland, MI carries elevated vacancy risk. Expect predictable absorption at market rents of $972/mo.

Is Bergland, MI better for rentals, flips, or BRRRR?

Bergland, MI investors pursuing careful cash-flow rentals with hands-on management. The underlying economics ($167K prices, $972/mo rents) make it a reasonable choice.

Is Bergland, MI landlord-friendly?

MI ranks as a landlord-friendly state for landlord-tenant law. Bergland generally follows the statewide framework, so landlords face reasonable operating rules.

What do rentals go for in Bergland, MI?

Rental rates in Bergland, MI average $972/mo. Tenant demand and $167K home values make the yield look reasonable by investor standards.

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