Ranked from ACS 2023 5-Year
Highest Costs Beyond the Mortgage in Michigan
Tax, insurance, electricity, water and maintenance as a share of the total monthly cost of owning: everything the mortgage payment is not. Ranking the dollars would just reproduce a list of expensive counties, because all of those costs scale with the price of the house. The share does not: at one rate and one down payment the mortgage is the same fraction of price everywhere, so what moves this list is counties whose carrying costs are heavy for what the house is worth. The share depends on the rate and the 20% down payment this site models, and would shift if either changed.
Michigan ranked
| # | County | Share beyond mortgage | Monthly beyond mortgage | Monthly to own |
|---|---|---|---|---|
| 1 | Gogebic County | 46.1% | $455 | $987 |
| 2 | Iron County | 45.6% | $454 | $996 |
| 3 | Ontonagon County | 44.7% | $436 | $975 |
| 4 | Bay County | 43.6% | $557 | $1,278 |
| 5 | Dickinson County | 43.1% | $527 | $1,223 |
| 6 | Saginaw County | 43.0% | $561 | $1,305 |
| 7 | Baraga County | 42.9% | $499 | $1,163 |
| 8 | Clare County | 42.7% | $468 | $1,094 |
| 9 | Luce County | 42.6% | $437 | $1,026 |
| 10 | Arenac County | 42.3% | $506 | $1,194 |
| 11 | Ingham County | 42.1% | $727 | $1,728 |
| 12 | Lake County | 42.1% | $477 | $1,133 |
| 13 | Calhoun County | 41.9% | $582 | $1,391 |
| 14 | Schoolcraft County | 41.7% | $472 | $1,131 |
| 15 | Wayne County | 41.7% | $649 | $1,557 |
| 16 | Tuscola County | 41.6% | $522 | $1,253 |
| 17 | Gratiot County | 41.6% | $520 | $1,251 |
| 18 | Iosco County | 41.6% | $467 | $1,124 |
| 19 | Houghton County | 41.4% | $528 | $1,277 |
| 20 | Huron County | 41.1% | $527 | $1,281 |
| 21 | Alpena County | 40.8% | $506 | $1,242 |
| 22 | Oscoda County | 40.7% | $461 | $1,134 |
| 23 | Branch County | 40.7% | $539 | $1,327 |
| 24 | Chippewa County | 40.6% | $560 | $1,377 |
| 25 | Presque Isle County | 40.4% | $489 | $1,211 |
| 26 | Shiawassee County | 40.3% | $594 | $1,472 |
| 27 | Midland County | 40.3% | $664 | $1,648 |
| 28 | Osceola County | 40.3% | $502 | $1,247 |
| 29 | Genesee County | 40.2% | $621 | $1,544 |
| 30 | Isabella County | 40.2% | $591 | $1,473 |
| 31 | Delta County | 40.1% | $526 | $1,309 |
| 32 | Ogemaw County | 40.1% | $496 | $1,236 |
| 33 | Gladwin County | 40.0% | $546 | $1,364 |
| 34 | Menominee County | 39.9% | $505 | $1,267 |
| 35 | Crawford County | 39.7% | $528 | $1,328 |
| 36 | Roscommon County | 39.6% | $518 | $1,309 |
| 37 | Wexford County | 39.5% | $560 | $1,415 |
| 38 | Lenawee County | 39.5% | $630 | $1,597 |
| 39 | Montmorency County | 39.3% | $491 | $1,249 |
| 40 | Jackson County | 39.1% | $627 | $1,604 |
| 41 | Muskegon County | 39.0% | $619 | $1,584 |
| 42 | Oceana County | 39.0% | $572 | $1,467 |
| 43 | Eaton County | 38.9% | $704 | $1,807 |
| 44 | St. Joseph County | 38.8% | $568 | $1,463 |
| 45 | Van Buren County | 38.8% | $643 | $1,657 |
| 46 | Manistee County | 38.7% | $563 | $1,452 |
| 47 | Kalamazoo County | 38.7% | $766 | $1,981 |
| 48 | Newaygo County | 38.5% | $597 | $1,548 |
| 49 | Mackinac County | 38.5% | $554 | $1,438 |
| 50 | Montcalm County | 38.4% | $572 | $1,491 |
| 51 | Alger County | 38.3% | $548 | $1,433 |
| 52 | Missaukee County | 38.2% | $541 | $1,415 |
| 53 | Macomb County | 38.2% | $764 | $1,999 |
| 54 | Ionia County | 38.1% | $623 | $1,634 |
| 55 | Mecosta County | 38.0% | $556 | $1,463 |
| 56 | Sanilac County | 38.0% | $530 | $1,396 |
| 57 | Hillsdale County | 37.8% | $553 | $1,463 |
| 58 | Alcona County | 37.8% | $511 | $1,351 |
| 59 | Mason County | 37.4% | $634 | $1,698 |
| 60 | Cheboygan County | 37.3% | $557 | $1,493 |
| 61 | St. Clair County | 37.2% | $676 | $1,818 |
| 62 | Kalkaska County | 37.1% | $549 | $1,480 |
| 63 | Keweenaw County | 37.1% | $571 | $1,540 |
| 64 | Monroe County | 37.1% | $678 | $1,830 |
| 65 | Berrien County | 37.0% | $662 | $1,791 |
| 66 | Clinton County | 36.8% | $759 | $2,060 |
| 67 | Washtenaw County | 36.8% | $1,095 | $2,980 |
| 68 | Marquette County | 36.6% | $623 | $1,701 |
| 69 | Cass County | 36.2% | $622 | $1,718 |
| 70 | Otsego County | 36.1% | $593 | $1,642 |
| 71 | Allegan County | 36.0% | $742 | $2,060 |
| 72 | Barry County | 35.9% | $730 | $2,031 |
| 73 | Oakland County | 35.7% | $951 | $2,661 |
| 74 | Kent County | 35.6% | $783 | $2,202 |
| 75 | Lapeer County | 35.4% | $669 | $1,892 |
| 76 | Antrim County | 35.3% | $648 | $1,836 |
| 77 | Charlevoix County | 35.2% | $704 | $2,000 |
| 78 | Ottawa County | 34.5% | $818 | $2,373 |
| 79 | Grand Traverse County | 33.9% | $810 | $2,391 |
| 80 | Benzie County | 33.8% | $694 | $2,052 |
| 81 | Emmet County | 33.8% | $750 | $2,220 |
| 82 | Livingston County | 33.3% | $882 | $2,650 |
| 83 | Leelanau County | 30.2% | $939 | $3,112 |
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
Highest Costs Beyond the Mortgage across all 3,133 US counties · Every county in Michigan