Ranked from ACS 2023 5-Year
Cheapest Counties to Own a Home in Michigan
Where the full monthly cost of owning the local median home is lowest. Every figure includes tax, insurance, utilities and maintenance, not just the mortgage.
Where does yours land?
Every county in America is somewhere on this scale, including the one you live in.
Michigan ranked
| # | County | Monthly to own | Median home | Effective rate |
|---|---|---|---|---|
| 1 | Ontonagon County | $975 | $101,000 | 1.232% |
| 2 | Gogebic County | $987 | $99,700 | 1.492% |
| 3 | Iron County | $996 | $101,500 | 1.437% |
| 4 | Luce County | $1,026 | $110,400 | 1.015% |
| 5 | Clare County | $1,094 | $117,400 | 1.181% |
| 6 | Iosco County | $1,124 | $122,900 | 1.061% |
| 7 | Schoolcraft County | $1,131 | $123,500 | 1.091% |
| 8 | Lake County | $1,133 | $122,900 | 1.150% |
| 9 | Oscoda County | $1,134 | $126,000 | 0.938% |
| 10 | Baraga County | $1,163 | $124,400 | 1.339% |
| 11 | Arenac County | $1,194 | $129,000 | 1.299% |
| 12 | Presque Isle County | $1,211 | $135,200 | 1.022% |
| 13 | Dickinson County | $1,223 | $130,300 | 1.471% |
| 14 | Ogemaw County | $1,236 | $138,600 | 1.022% |
| 15 | Alpena County | $1,242 | $137,800 | 1.129% |
| 16 | Osceola County | $1,247 | $139,600 | 1.059% |
| 17 | Montmorency County | $1,249 | $142,000 | 0.922% |
| 18 | Gratiot County | $1,251 | $136,800 | 1.271% |
| 19 | Tuscola County | $1,253 | $136,900 | 1.280% |
| 20 | Menominee County | $1,267 | $142,700 | 1.030% |
| 21 | Houghton County | $1,277 | $140,300 | 1.269% |
| 22 | Bay County | $1,278 | $135,100 | 1.632% |
| 23 | Huron County | $1,281 | $141,300 | 1.241% |
| 24 | Saginaw County | $1,305 | $139,400 | 1.571% |
| 25 | Roscommon County | $1,309 | $148,000 | 1.049% |
| 26 | Delta County | $1,309 | $146,800 | 1.129% |
| 27 | Branch County | $1,327 | $147,500 | 1.229% |
| 28 | Crawford County | $1,328 | $149,900 | 1.093% |
| 29 | Alcona County | $1,351 | $157,500 | 0.839% |
| 30 | Gladwin County | $1,364 | $153,200 | 1.183% |
| 31 | Chippewa County | $1,377 | $153,100 | 1.288% |
| 32 | Calhoun County | $1,391 | $151,500 | 1.498% |
| 33 | Sanilac County | $1,396 | $162,200 | 0.917% |
| 34 | Missaukee County | $1,415 | $163,700 | 0.977% |
| 35 | Wexford County | $1,415 | $160,300 | 1.165% |
| 36 | Alger County | $1,433 | $165,700 | 0.997% |
| 37 | Mackinac County | $1,438 | $165,600 | 1.038% |
| 38 | Manistee County | $1,452 | $166,600 | 1.089% |
| 39 | St. Joseph County | $1,463 | $167,600 | 1.114% |
| 40 | Hillsdale County | $1,463 | $170,500 | 0.964% |
| 41 | Mecosta County | $1,463 | $169,900 | 0.996% |
| 42 | Oceana County | $1,467 | $167,600 | 1.143% |
| 43 | Shiawassee County | $1,472 | $164,600 | 1.345% |
| 44 | Isabella County | $1,473 | $165,100 | 1.320% |
| 45 | Kalkaska County | $1,480 | $174,300 | 0.886% |
| 46 | Montcalm County | $1,491 | $172,100 | 1.076% |
| 47 | Cheboygan County | $1,493 | $175,200 | 0.928% |
| 48 | Keweenaw County | $1,540 | $181,400 | 0.939% |
| 49 | Genesee County | $1,544 | $172,900 | 1.398% |
| 50 | Newaygo County | $1,548 | $178,300 | 1.151% |
| 51 | Wayne County | $1,557 | $170,200 | 1.642% |
| 52 | Muskegon County | $1,584 | $180,900 | 1.260% |
| 53 | Lenawee County | $1,597 | $181,100 | 1.332% |
| 54 | Jackson County | $1,604 | $182,900 | 1.286% |
| 55 | Ionia County | $1,634 | $189,400 | 1.167% |
| 56 | Otsego County | $1,642 | $196,500 | 0.891% |
| 57 | Midland County | $1,648 | $184,300 | 1.504% |
| 58 | Van Buren County | $1,657 | $189,900 | 1.287% |
| 59 | Mason County | $1,698 | $199,300 | 1.105% |
| 60 | Marquette County | $1,701 | $202,000 | 1.000% |
| 61 | Cass County | $1,718 | $205,200 | 0.961% |
| 62 | Ingham County | $1,728 | $187,500 | 1.860% |
| 63 | Berrien County | $1,791 | $211,400 | 1.115% |
| 64 | Eaton County | $1,807 | $206,700 | 1.415% |
| 65 | St. Clair County | $1,818 | $213,900 | 1.165% |
| 66 | Monroe County | $1,830 | $215,700 | 1.155% |
| 67 | Antrim County | $1,836 | $222,500 | 0.914% |
| 68 | Lapeer County | $1,892 | $229,100 | 0.954% |
| 69 | Kalamazoo County | $1,981 | $227,500 | 1.485% |
| 70 | Macomb County | $1,999 | $231,400 | 1.423% |
| 71 | Charlevoix County | $2,000 | $242,800 | 0.992% |
| 72 | Barry County | $2,031 | $243,700 | 1.110% |
| 73 | Benzie County | $2,052 | $254,400 | 0.833% |
| 74 | Clinton County | $2,060 | $243,700 | 1.251% |
| 75 | Allegan County | $2,060 | $247,000 | 1.133% |
| 76 | Kent County | $2,202 | $265,700 | 1.140% |
| 77 | Emmet County | $2,220 | $275,300 | 0.905% |
| 78 | Ottawa County | $2,373 | $291,200 | 1.057% |
| 79 | Grand Traverse County | $2,391 | $296,200 | 0.979% |
| 80 | Livingston County | $2,650 | $331,100 | 0.987% |
| 81 | Oakland County | $2,661 | $320,400 | 1.324% |
| 82 | Washtenaw County | $2,980 | $353,000 | 1.559% |
| 83 | Leelanau County | $3,112 | $406,900 | 0.702% |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Cheapest Counties to Own a Home across all 3,133 US counties · Every county in Michigan