Hart, Michigan.
Typical home $216,589 (+7.1% in a year).
to buy the typical home at today's mortgage rate — +$570 (+101%) since Jan 2020.
- 1 year
- Up $14,292 +7%
- $202,297$216,589 since Sep 2025
- 5 years
- Up $18,302 +9%
- $198,287$216,589 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Hart$1,137
- Michigan$1,384
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 39 years.
Typical home values in Hart, MI rose 7.1% over the past year — faster than the nation's +1.2%.
Living in Hart, Oceana County, Michigan
Hart is a city of 2,053 people in Oceana County. Half its households earn more than $50,956 a year and half less, against $62,417 across Oceana County; 21% of its people live below the poverty line. 60% of its homes are lived in by their owners and 40% are rented. Unemployment in Oceana County was 5.4% in August 2026, and the county had 0.6% more jobs in 2025 than the year before. The most residents work in schools and health care, then manufacturing.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Hart is a small city in Oceana County, in western Michigan. Incomes here run below the county's, and more people live below the poverty line than you might expect in a place this size. Most homes are lived in by their owners, and the typical resident is somewhat older than the national middle. Winters are cold and very snowy, with January the coldest month, while July brings warm days.
Work. Many residents work in schools, hospitals and social care, with manufacturing, restaurants and hotels, and shops also employing a good number. Among the largest workplaces in Hart are Hart Public School District, Oceana County Medical Care Facility and GHSP Hart. Commutes are short, and very few people work from home.
Things to do. Silver Lake State Park and Mears State Park are both protected areas a short drive away, and Pentwater Lake is a lake a short drive away too. A longer drive brings you to Lake Michigan itself.
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- 743households
- 19%of adults have a degree
- 21%below the poverty line
- 14 mintypical commute
- 4%work from home
What residents work in
Employed residents by industry, from the Census survey. Oceana County had 6,510 jobs in 2025, 0.6% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 30° and lows near 16°; warmest in July, with highs near 80° and lows near 58°. About 78 inches of snow and 39 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Hart Wsw weather station, 3 miles away (NOAA).
Largest workplaces in Hart
- Hart Public School DistrictSchool district270FTE
- Oceana County Medical Care FacilityNursing homes240
- Purpose Point HarvestingAgriculture production or harvesting crews135
- GHSP HartTransmissions and parts, automotive, truck, and bus, manufacturing101
- Hallack ContractingExcavation contractors53
- Great Lakes Packing Co. HartFruit sorting, grading, and packing23
- Wadel StabilizationPavement, highway, road, street, bridge or airport runway, construction22
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 6 workplaces with 20 or more staff, 574 people in all. School districts come from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Strong windVery high
- Winter weatherVery high
- Ice stormsRelatively moderate
- LightningRelatively moderate
- Inland floodingRelatively moderate
- TornadoesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Hart’s census tracts, against the rest of the country; all of them together, relatively moderate. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Oceana County.
Hart home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Hart$216,589
- Michigan$263,760
- United States$366,157
Sellers are cutting prices on about 1 in 4 Hart listings — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Hart26.51%
- United States26.36%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Hart25
New listings per month
Sellers arriving at the market.
- Hart6
Zip codes with a Hart address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Hart — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.