Ranked from ACS 2023 5-Year
Lowest Costs Beyond the Mortgage in Michigan
Where the mortgage is most of what owning costs, and everything else is a thin slice on top. These are the counties where a payoff changes the most: the share in the first column is roughly what you would still be paying every month with no mortgage left at all. Modelled at 20% down at the rate this site currently uses, so the share moves with both.
Michigan ranked
| # | County | Share beyond mortgage | Monthly beyond mortgage | Monthly to own |
|---|---|---|---|---|
| 1 | Leelanau County | 30.2% | $939 | $3,112 |
| 2 | Livingston County | 33.3% | $882 | $2,650 |
| 3 | Emmet County | 33.8% | $750 | $2,220 |
| 4 | Benzie County | 33.8% | $694 | $2,052 |
| 5 | Grand Traverse County | 33.9% | $810 | $2,391 |
| 6 | Ottawa County | 34.5% | $818 | $2,373 |
| 7 | Charlevoix County | 35.2% | $704 | $2,000 |
| 8 | Antrim County | 35.3% | $648 | $1,836 |
| 9 | Lapeer County | 35.4% | $669 | $1,892 |
| 10 | Kent County | 35.6% | $783 | $2,202 |
| 11 | Oakland County | 35.7% | $951 | $2,661 |
| 12 | Barry County | 35.9% | $730 | $2,031 |
| 13 | Allegan County | 36.0% | $742 | $2,060 |
| 14 | Otsego County | 36.1% | $593 | $1,642 |
| 15 | Cass County | 36.2% | $622 | $1,718 |
| 16 | Marquette County | 36.6% | $623 | $1,701 |
| 17 | Washtenaw County | 36.8% | $1,095 | $2,980 |
| 18 | Clinton County | 36.8% | $759 | $2,060 |
| 19 | Berrien County | 37.0% | $662 | $1,791 |
| 20 | Monroe County | 37.1% | $678 | $1,830 |
| 21 | Keweenaw County | 37.1% | $571 | $1,540 |
| 22 | Kalkaska County | 37.1% | $549 | $1,480 |
| 23 | St. Clair County | 37.2% | $676 | $1,818 |
| 24 | Cheboygan County | 37.3% | $557 | $1,493 |
| 25 | Mason County | 37.4% | $634 | $1,698 |
| 26 | Alcona County | 37.8% | $511 | $1,351 |
| 27 | Hillsdale County | 37.8% | $553 | $1,463 |
| 28 | Sanilac County | 38.0% | $530 | $1,396 |
| 29 | Mecosta County | 38.0% | $556 | $1,463 |
| 30 | Ionia County | 38.1% | $623 | $1,634 |
| 31 | Macomb County | 38.2% | $764 | $1,999 |
| 32 | Missaukee County | 38.2% | $541 | $1,415 |
| 33 | Alger County | 38.3% | $548 | $1,433 |
| 34 | Montcalm County | 38.4% | $572 | $1,491 |
| 35 | Mackinac County | 38.5% | $554 | $1,438 |
| 36 | Newaygo County | 38.5% | $597 | $1,548 |
| 37 | Kalamazoo County | 38.7% | $766 | $1,981 |
| 38 | Manistee County | 38.7% | $563 | $1,452 |
| 39 | Van Buren County | 38.8% | $643 | $1,657 |
| 40 | St. Joseph County | 38.8% | $568 | $1,463 |
| 41 | Eaton County | 38.9% | $704 | $1,807 |
| 42 | Oceana County | 39.0% | $572 | $1,467 |
| 43 | Muskegon County | 39.0% | $619 | $1,584 |
| 44 | Jackson County | 39.1% | $627 | $1,604 |
| 45 | Montmorency County | 39.3% | $491 | $1,249 |
| 46 | Lenawee County | 39.5% | $630 | $1,597 |
| 47 | Wexford County | 39.5% | $560 | $1,415 |
| 48 | Roscommon County | 39.6% | $518 | $1,309 |
| 49 | Crawford County | 39.7% | $528 | $1,328 |
| 50 | Menominee County | 39.9% | $505 | $1,267 |
| 51 | Gladwin County | 40.0% | $546 | $1,364 |
| 52 | Ogemaw County | 40.1% | $496 | $1,236 |
| 53 | Delta County | 40.1% | $526 | $1,309 |
| 54 | Isabella County | 40.2% | $591 | $1,473 |
| 55 | Genesee County | 40.2% | $621 | $1,544 |
| 56 | Osceola County | 40.3% | $502 | $1,247 |
| 57 | Midland County | 40.3% | $664 | $1,648 |
| 58 | Shiawassee County | 40.3% | $594 | $1,472 |
| 59 | Presque Isle County | 40.4% | $489 | $1,211 |
| 60 | Chippewa County | 40.6% | $560 | $1,377 |
| 61 | Branch County | 40.7% | $539 | $1,327 |
| 62 | Oscoda County | 40.7% | $461 | $1,134 |
| 63 | Alpena County | 40.8% | $506 | $1,242 |
| 64 | Huron County | 41.1% | $527 | $1,281 |
| 65 | Houghton County | 41.4% | $528 | $1,277 |
| 66 | Iosco County | 41.6% | $467 | $1,124 |
| 67 | Gratiot County | 41.6% | $520 | $1,251 |
| 68 | Tuscola County | 41.6% | $522 | $1,253 |
| 69 | Wayne County | 41.7% | $649 | $1,557 |
| 70 | Schoolcraft County | 41.7% | $472 | $1,131 |
| 71 | Calhoun County | 41.9% | $582 | $1,391 |
| 72 | Lake County | 42.1% | $477 | $1,133 |
| 73 | Ingham County | 42.1% | $727 | $1,728 |
| 74 | Arenac County | 42.3% | $506 | $1,194 |
| 75 | Luce County | 42.6% | $437 | $1,026 |
| 76 | Clare County | 42.7% | $468 | $1,094 |
| 77 | Baraga County | 42.9% | $499 | $1,163 |
| 78 | Saginaw County | 43.0% | $561 | $1,305 |
| 79 | Dickinson County | 43.1% | $527 | $1,223 |
| 80 | Bay County | 43.6% | $557 | $1,278 |
| 81 | Ontonagon County | 44.7% | $436 | $975 |
| 82 | Iron County | 45.6% | $454 | $996 |
| 83 | Gogebic County | 46.1% | $455 | $987 |
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
Lowest Costs Beyond the Mortgage across all 3,133 US counties · Every county in Michigan