Stanwood Crossings

Stanwood Crossings is a new Portage community designed to make homeownership more attainable for households earning 80%–120% of the Area Median Income (AMI). It uses a “Ground Lease” model, where residents buy their homes but lease the land from the Portage Community Land Trust. This approach lowers purchase prices because buyers do not pay for the land, and initial home prices are discounted from construction costs. Owners can buy, sell, and mortgage their homes, with resale prices adjusted based on the change in AMI between purchase and sale.

About the Homes

Homeowners at Stanwood Crossings enjoy attractive, energy-efficient homes with private driveways, attached two-car garages, and generous yard space. Built with high-quality materials, these low-maintenance homes foster a strong pride-of-ownership community.

Homesites range from 6,600 to 15,600 square feet. Renderings and floor plans are shown below. The community offers four thoughtfully designed floor plans:

Two ranch-style homes (1,206 and 1,353 sq. ft.) with 2–3 bedrooms
Two two-story homes (1,504 and 1,696 sq. ft.) with 3 bedrooms

Your Path to Homeownership at Stanwood Crossings

If you’re interested in owning a home at Stanwood Crossings and fall within the target income bracket, we encourage you to join the interest list so you’ll be among the first to receive updates as new information becomes available. To be added, simply complete and submit the Stanwood Crossings Interest Form.

If you’re ready to take the next step toward purchasing a home, complete and submit the pre-application. Once submitted, it will be sent directly to Kalamazoo Neighborhood Housing Services (KNHS). A KNHS staff member will contact you to review your information and guide you through the process of becoming a homeowner at Stanwood Crossings.

2025 Area Medium Income (AMI)

The Stanwood Crossings neighborhood was designed to make new homes more affordable for households earning between 80% to 120% of the Area Median Income. The AMI chart is typically updated annually in April. The 2025 chart below shows the total household income range in relation to the number of people living in a home. For example, a one-person household earning between $53,680 and $80,520 would qualify to live in this community. For a three-person household, they could earn between $69,640 and $103,560.

Annual Income	1 Person	2 Person	3 Person	4 Person	5 Person
80%	$53,680	$61,360	$69,040	$76,640	$82,800
100%	$67,100	$76,700	$86,300	$95,800	$103,500
120%	$80,520	$92,040	$103,560	$114,960	$124,200

The qualification requirement is determined at the time of purchase. If an owner goes above or below the income after their closing, it will not affect their ability to stay in the community.

Area Median Income, or “AMI”, is a key metric in affordable housing. AMI benchmarks are used in most federal and state housing programs and are calculated by the Federal Department of Housing and Urban Development (HUD) on an annual basis. 100% AMI is the MIDPOINT of the full range of household incomes in a geographic region, not to be confused with the AVERAGE income in a geographic region.