Ranked from ACS 2023 5-Year
Most Expensive Counties to Own a Home Outright in Michigan
The counties where a paid-off house still costs the most to keep. For retirees on a fixed income this figure matters more than the purchase price, because it never goes away and it rises with assessments.
Where does yours land?
Every county in America is somewhere on this scale, including the one you live in.
Michigan ranked
| # | County | Monthly if paid off | Median home | Effective rate |
|---|---|---|---|---|
| 1 | Washtenaw County | $1,095 | $353,000 | 1.559% |
| 2 | Oakland County | $951 | $320,400 | 1.324% |
| 3 | Leelanau County | $939 | $406,900 | 0.702% |
| 4 | Livingston County | $882 | $331,100 | 0.987% |
| 5 | Ottawa County | $818 | $291,200 | 1.057% |
| 6 | Grand Traverse County | $810 | $296,200 | 0.979% |
| 7 | Kent County | $783 | $265,700 | 1.140% |
| 8 | Kalamazoo County | $766 | $227,500 | 1.485% |
| 9 | Macomb County | $764 | $231,400 | 1.423% |
| 10 | Clinton County | $759 | $243,700 | 1.251% |
| 11 | Emmet County | $750 | $275,300 | 0.905% |
| 12 | Allegan County | $742 | $247,000 | 1.133% |
| 13 | Barry County | $730 | $243,700 | 1.110% |
| 14 | Ingham County | $727 | $187,500 | 1.860% |
| 15 | Charlevoix County | $704 | $242,800 | 0.992% |
| 16 | Eaton County | $704 | $206,700 | 1.415% |
| 17 | Benzie County | $694 | $254,400 | 0.833% |
| 18 | Monroe County | $678 | $215,700 | 1.155% |
| 19 | St. Clair County | $676 | $213,900 | 1.165% |
| 20 | Lapeer County | $669 | $229,100 | 0.954% |
| 21 | Midland County | $664 | $184,300 | 1.504% |
| 22 | Berrien County | $662 | $211,400 | 1.115% |
| 23 | Wayne County | $649 | $170,200 | 1.642% |
| 24 | Antrim County | $648 | $222,500 | 0.914% |
| 25 | Van Buren County | $643 | $189,900 | 1.287% |
| 26 | Mason County | $634 | $199,300 | 1.105% |
| 27 | Lenawee County | $630 | $181,100 | 1.332% |
| 28 | Jackson County | $627 | $182,900 | 1.286% |
| 29 | Ionia County | $623 | $189,400 | 1.167% |
| 30 | Marquette County | $623 | $202,000 | 1.000% |
| 31 | Cass County | $622 | $205,200 | 0.961% |
| 32 | Genesee County | $621 | $172,900 | 1.398% |
| 33 | Muskegon County | $619 | $180,900 | 1.260% |
| 34 | Newaygo County | $597 | $178,300 | 1.151% |
| 35 | Shiawassee County | $594 | $164,600 | 1.345% |
| 36 | Otsego County | $593 | $196,500 | 0.891% |
| 37 | Isabella County | $591 | $165,100 | 1.320% |
| 38 | Calhoun County | $582 | $151,500 | 1.498% |
| 39 | Montcalm County | $572 | $172,100 | 1.076% |
| 40 | Oceana County | $572 | $167,600 | 1.143% |
| 41 | Keweenaw County | $571 | $181,400 | 0.939% |
| 42 | St. Joseph County | $568 | $167,600 | 1.114% |
| 43 | Manistee County | $563 | $166,600 | 1.089% |
| 44 | Saginaw County | $561 | $139,400 | 1.571% |
| 45 | Chippewa County | $560 | $153,100 | 1.288% |
| 46 | Wexford County | $560 | $160,300 | 1.165% |
| 47 | Cheboygan County | $557 | $175,200 | 0.928% |
| 48 | Bay County | $557 | $135,100 | 1.632% |
| 49 | Mecosta County | $556 | $169,900 | 0.996% |
| 50 | Mackinac County | $554 | $165,600 | 1.038% |
| 51 | Hillsdale County | $553 | $170,500 | 0.964% |
| 52 | Kalkaska County | $549 | $174,300 | 0.886% |
| 53 | Alger County | $548 | $165,700 | 0.997% |
| 54 | Gladwin County | $546 | $153,200 | 1.183% |
| 55 | Missaukee County | $541 | $163,700 | 0.977% |
| 56 | Branch County | $539 | $147,500 | 1.229% |
| 57 | Sanilac County | $530 | $162,200 | 0.917% |
| 58 | Houghton County | $528 | $140,300 | 1.269% |
| 59 | Crawford County | $528 | $149,900 | 1.093% |
| 60 | Dickinson County | $527 | $130,300 | 1.471% |
| 61 | Huron County | $527 | $141,300 | 1.241% |
| 62 | Delta County | $526 | $146,800 | 1.129% |
| 63 | Tuscola County | $522 | $136,900 | 1.280% |
| 64 | Gratiot County | $520 | $136,800 | 1.271% |
| 65 | Roscommon County | $518 | $148,000 | 1.049% |
| 66 | Alcona County | $511 | $157,500 | 0.839% |
| 67 | Alpena County | $506 | $137,800 | 1.129% |
| 68 | Arenac County | $506 | $129,000 | 1.299% |
| 69 | Menominee County | $505 | $142,700 | 1.030% |
| 70 | Osceola County | $502 | $139,600 | 1.059% |
| 71 | Baraga County | $499 | $124,400 | 1.339% |
| 72 | Ogemaw County | $496 | $138,600 | 1.022% |
| 73 | Montmorency County | $491 | $142,000 | 0.922% |
| 74 | Presque Isle County | $489 | $135,200 | 1.022% |
| 75 | Lake County | $477 | $122,900 | 1.150% |
| 76 | Schoolcraft County | $472 | $123,500 | 1.091% |
| 77 | Clare County | $468 | $117,400 | 1.181% |
| 78 | Iosco County | $467 | $122,900 | 1.061% |
| 79 | Oscoda County | $461 | $126,000 | 0.938% |
| 80 | Gogebic County | $455 | $99,700 | 1.492% |
| 81 | Iron County | $454 | $101,500 | 1.437% |
| 82 | Luce County | $437 | $110,400 | 1.015% |
| 83 | Ontonagon County | $436 | $101,000 | 1.232% |
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
Most Expensive Counties to Own a Home Outright across all 3,133 US counties · Every county in Michigan