Oakland County Listings Grew in October, When They Usually Shrink. Homes Under Contract Fell 13.5%
Oakland County active listings rose 5.1% from September to 3,761 in October 2026, up 29.4% from a year ago, while homes under contract fell 13.5%. Asking prices per square foot held flat. What it means for sellers and buyers heading into winter.
Adjustable-Rate Mortgages Are About a Point Cheaper Than Fixed Right Now. What Oakland County Buyers Should Check First
A 5-year ARM averaged 6.4% in October vs. 7.4% for a 30-year fixed. In Oakland County, 12.2% of 2025 purchase loans were ARMs, nearly twice Michigan’s share, mostly larger loans. Payment math, reset caps and the qualifying-rate catch.
Why Oakland County Mortgage Applications Get Denied, and the 50% Debt Line That 7% Rates Push Buyers Toward
About one in eight 2025 home-purchase mortgage applications in Oakland County was denied. Federal HMDA records show the real cutoff is a 50% debt-to-income ratio, not 43%, and how today’s 7.24% rates push borderline buyers toward it.
What It Took to Buy a Home in Southeast Oakland County: 2025 Buyer Incomes and Down Payments, City by City
Federal mortgage records for 2025 show what financed buyers in Troy, Royal Oak, Birmingham, Ferndale, Southfield and other Southeast Oakland County cities actually earned, borrowed and put down, and what the same loans cost at today’s 7.24% rates.
VA Home Loans in Oakland County: Rarely Used, Often Cheaper — What Veteran Buyers Should Know in 2026
VA loans financed only about 3% of Oakland County home purchases in 2025, half Michigan’s share, despite lower rates than conventional loans. 2026 funding fees, exemptions, the 4% concession cap, buyer-agent fees and assumable VA loans explained.
Is December Really the Best Time to Buy a Home in Oakland County?
Redfin says mid-December is the best time for Detroit homebuyers to get a deal, but that’s Wayne County. For Oakland County, Redfin’s data, Realtor.com and local MLS records point to the fall. Here’s what the numbers show.
Oakland County Has More Homes for Sale. That’s Because They’re Selling More Slowly, Not Because More People Are Selling
Oakland County had 25% more homes for sale in September 2026, but new listings were flat. Here’s why sales slowed, what 7% rates cost, and what it means for you.