Ray, Michigan.
Typical home $428,966 (+5.8% in a year). Detroit-Warren-Dearborn, MI metro.
to buy the typical home at today's mortgage rate — +$1,299 (+136%) since Jan 2020.
- 1 year
- Up $23,488 +6%
- $405,478$428,966 since Sep 2025
- 5 years
- Up $115,661 +37%
- $313,305$428,966 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.
- Ray$2,252
- Michigan$1,384
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 11 years.
Typical home values in Ray, MI rose 5.8% over the past year — faster than the nation's +1.2%.
Living in Ray, Macomb County, Michigan
Ray is a township of 3,780 people in Macomb County. Half its households earn more than $117,917 a year and half less, against $77,837 across Macomb County; 6% of its people live below the poverty line. Unemployment in Macomb County was 5.7% in August 2026, and the county had 1.4% fewer jobs in 2025 than the year before. The most residents work in manufacturing, then schools and health care.
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 It can be wrong or out of date.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. Ray is a small rural township in Macomb County, and its residents tend to be older than in most places. Household incomes run well above the county's, and the share of people living below the poverty line is small. Homes here are valued above what is typical for the region. Winters are cold and snowy, with January the coldest month, while July brings warm summer days. Over the year the township gets a fair amount of rain and melted snow.
Work. Residents work mainly in manufacturing, in schools, hospitals and social care, in the building trades and in shops. Across Macomb County, some of the largest workplaces are General Motors, Stellantis and Utica Community Schools. Relatively few adults hold a four-year degree, and the typical commute is a long one. A good number of people work from home. Unemployment across the county is higher than a year ago, and the county has fewer jobs than the year before.
Things to do. Wolcott Mill Metropark, a protected area in or beside town, is the closest place to get outdoors. A longer drive away are Lake Saint Clair, one of the best known waters in the area, and the Detroit Zoo. The Detroit Institute of Arts, a museum, is also a longer drive away for a day in the city.
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- 1,625households
- 21%of adults have a degree
- 6%below the poverty line
- 32 mintypical commute
- 14%work from home
What residents work in
Employed residents by industry, from the Census survey. Macomb County had 331,515 jobs in 2025, 1.4% fewer 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 83° and lows near 62°. About 47 inches of snow and 36 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Richmond Nnw weather station, 10 miles away (NOAA).
Largest workplaces in Macomb County
- General MotorsAssembly line rebuilding of automotive and truck gasoline engines26,675
- StellantisAutomotive7,000
- Macomb CountyGeneral public administration3,282
- Utica Community SchoolsSchool district2,774FTE
- ContiElectrical contractors2,583
- Henry Ford Health Macomb HospitalGeneral hospital2,421FTE
- Ford Motor CompanyManufacture of automotive parts2,398
- Ascension Macomb-oakland HospitalGeneral hospital2,053FTE
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 799 workplaces with 20 or more staff, 145,411 people in all across the county; Ray has one of its own. School districts come from the Common Core of Data (NCES, 2023–24) and hospitals from their Medicare cost reports (CMS, 2023); 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
- TornadoesVery high
- Cold wavesVery high
- Strong windVery high
- Ice stormsVery high
- Inland floodingRelatively high
- LightningRelatively high
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms across Macomb County, against the rest of the country; all of them together, relatively high. 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 Macomb County and the Detroit-Warren-Dearborn, MI metro.
Ray home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Ray$428,966
- Michigan$263,760
- United States$366,157
Sellers are cutting prices on about 1 in 3 Ray 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.
Not enough data to draw this yet.
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Ray16
New listings per month
Sellers arriving at the market.
- Ray6
Zip codes with a Ray address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Ray — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.