Bingham Farms, MI 48025 Real Estate Guide: What the Zip Code Actually Covers

48025: three villages, one zip code

A search for “Bingham Farms MI 48025” turns up addresses in Bingham Farms, in Franklin, and in Beverly Hills, because all three villages share the 48025 zip code, and the U.S. Postal Service lists Franklin as the preferred city name for it. Each village is separately incorporated inside Southfield Township, a distinction that matters because each has its own village government and tax bill. The Village of Bingham Farms covers a total land area of just 1.21 square miles.

The Village of Bingham Farms was incorporated on June 7, 1955, one of three villages carved out of Southfield Township that decade alongside Franklin and Beverly Hills, according to the Village’s own Southfield Township page. Its population was 1,118 as of the Census Bureau’s July 1, 2024 population estimate. None of that changes what a buyer needs to know: an address with a “Bingham Farms, MI 48025” mailing label is not automatically inside the Village of Bingham Farms, and the reverse is also true, since the Village’s own boundary is smaller than the zip code carrying its name.

Does my 48025 address fall inside the Village of Bingham Farms, or in Franklin or Beverly Hills?Mailing city and legal jurisdiction can differ. Confirm which village government, and which tax bill, applies to a specific parcel using a zip boundary reference and the property’s assessment record, not the mailing address alone.

Current market snapshot

Four sources, pulled the same week, put the market in four different places.

A buyer or seller pricing a specific property should ask which of these four categories that property actually belongs to.

Live listings across the market

Individually addressed listings make the jurisdiction split concrete. Every one of the following was active on Zillow or Trulia at the time of research, and every mailing address differs.

These are asking prices on active listings, sourced to Zillow and Trulia, not closed sales. True closed comps by subdivision require live MLS or Redfin sold-filter access at the moment of a transaction. What this table shows directly is the jurisdiction problem: a five-listing sample pulled for “Bingham Farms” returns three different mailing cities, and one address that sits outside the 48025 zip entirely.

Attached communities: Bingham Woods and Bingham Pointe

Two named condominium communities recur across current listings and, more usefully, in the Village’s own materials: Bingham Woods and Bingham Pointe. The Village references Bingham Woods directly as the meeting location for its resident Mobile Watch program, per its own new-residents page, which confirms the community’s clubhouse is active, maintained village infrastructure rather than a marketing name on a listing.

The Village’s own history page credits the 1980s with bringing the first office buildings and condominiums to what had been an entirely residential settlement; William King served as the Village’s first president. That decade of development is the origin point for the attached housing stock buyers see in Bingham Woods and comparable communities today.

What is not publicly available is a rental cap, minimum lease term, or current HOA fee schedule for either community. Treat this as a hard diligence item rather than a settled fact: request the master deed, bylaws, current budget, reserve study, and rental policy directly from the association or its management company before writing an offer.

Is there a rental cap on condos in Bingham Woods or Bingham Pointe?No public source states one. This has to be confirmed per building, directly with the condo association, before an investor buyer relies on being able to rent the unit.

Taxes and carrying costs

Michigan property tax bills in Bingham Farms stack four separate authorities, and the Village bills differently from everyone else on that stack. The Village of Bingham Farms sends one tax bill a year, due July 1, covering road maintenance, library funding, rubbish removal, and police and fire protection, per the Village’s tax page. Southfield Township sends two bills, summer and winter, and those bills carry the county, school, and any other approved millages.

The most recent compiled figure available combines all four into one number. For the Village of Bingham Farms with Birmingham Public Schools, the 2023 compiled Oakland County millage rate table lists a combined rate of 34.9413 mills on a homestead property and 47.8126 mills on a non-homestead property. One mill equals $1 per $1,000 of taxable value. A sale resets taxable value to roughly half of true market value the following year, a mechanic Michigan calls uncapping: a purchase near $650,000 typically resets taxable value close to $325,000, and the following year’s bill is that figure divided by 1,000 and multiplied by the applicable millage. Confirm the current-year combined rate before closing, since millage moves with ballot measures almost every cycle.

How does Michigan’s taxable-value uncapping actually change my bill after I buy?The purchase resets taxable value to roughly half of market value the year after closing, then that new taxable value is multiplied by the local combined millage. It is a one-time jump, not a gradual one, and it happens regardless of what the seller was paying.

Schools and the boundary that matters

Birmingham Public Schools serves the area, but which specific elementary and high school a given address is assigned to depends on the exact parcel, not the village name. Confirmed school addresses inside the 48025 zip include Bingham Farms Elementary School at 23400 W 13 Mile Rd and Wylie E Groves High School at 20500 W 13 Mile Rd in Beverly Hills, with Greenfield Elementary at 31200 Fairfax Ave, also in Beverly Hills, serving nearby addresses, per the zip code’s school listing. Berkshire Middle School generally serves middle-school-age students in this area, though that assignment, like elementary and high school assignment, needs per-address confirmation.

The district runs an official interactive boundary map that buyers should use to confirm assignment by exact address before making an offer, since a few blocks can move a property from one elementary feeder to another.

Which Birmingham Public Schools will my Bingham Farms address feed into?It depends on the parcel. Confirm elementary, middle, and high school assignment on the district’s own interactive boundary map by entering the exact address, not the village name.

Flood risk near the Rouge River

Several attached-community listings in the area advertise proximity to the Rouge River and its nature trails as an amenity. No public source reviewed gives a village-wide or address-level flood-zone designation. Michigan’s EGLE floodplain-mapping program notes that of 1,776 communities statewide, roughly 1,004 currently have FEMA-developed floodplain maps, which is exactly why an address-level check matters rather than an assumption either way. FEMA’s Flood Map Service Center provides that address-level lookup directly.

Neither a no-risk nor a high-risk claim for any specific parcel near the river corridor should be taken on faith from a listing description. Run the address.

Is my lot near the Rouge River in a flood zone?Not knowable in general. Look up the specific parcel on FEMA’s Flood Map Service Center before assuming river proximity is purely an amenity.

Buying in Bingham Farms

• Verify jurisdiction first. Confirm whether the parcel sits inside the Village of Bingham Farms or in Franklin or Beverly Hills before assuming which government, tax bill, and millage apply.
• Separate list price from sold price. The market snapshot above shows a gap of over $100,000 between an August 2025 list-price figure and a trailing-sold figure; ask an agent to pull true closed comps for the specific product type before offering.
• Budget for the uncapping jump, not the seller’s current tax bill.
• Request condo association documents early if buying attached housing in Bingham Woods or Bingham Pointe: master deed, bylaws, current budget, reserve details, insurance certificate, meeting minutes, rental and pet policy, special-assessment history, and an estoppel letter before closing.
• Confirm flood status for any parcel near the river corridor using FEMA’s tool directly.
• For infill or teardown lots, the village is largely built out; new construction is typically single-lot infill governed by the Village’s codified ordinances. Check current grading, drainage, and site standards with the Village building department before purchasing a teardown-oriented lot.

Selling in Bingham Farms

Pricing strategy should follow the product-type split in the market table, not a blended village-wide number. A single-family listing priced off the $521,250 condo-only figure will underprice; a condo listing priced off the $710,000 all-type figure will sit unsold. Days-on-market figures found range from roughly 45 to 46 days across the two Homes.com pulls, five days apart depending on product type.

Who this market suits, and who should look elsewhere

Bingham Farms suits buyers who want larger wooded lots, quiet residential streets, and Birmingham Public Schools access, while accepting a short commute into Southfield, Birmingham, or Detroit for daily errands and dining. It does not suit buyers who want walkable retail or nightlife inside the village itself: the Village’s own resident-services page lists government, library, and rubbish services, with no commercial listings of its own. It also does not suit an investor counting on unrestricted condo rentals in Bingham Woods or Bingham Pointe without first confirming the association’s current rental policy directly.

Can I get a walkable, amenity-rich lifestyle living in Bingham Farms itself?No. The village’s own services page lists government, library, and waste services only; shopping and dining sit outside the village boundary, a short drive away.

Location and commute

Bingham Farms sits inside Southfield Township, close to Telegraph Road and I-696, with Detroit roughly a half-hour drive depending on traffic and time of day. Daily errands typically mean a short drive into Birmingham, Beverly Hills, or Southfield rather than a walk from the front door.