South Haven cost of living index

In the event that the cost of living data was unavailable for this city, estimates based upon nearby cities were used. Each cost of living index is based on a national average of 100. If the amount is below 100, it is lower than the national average. If the amount is above 100, it is higher than the national average.
IndexSouth HavenMichiganNational
Cost of living index9489100
IndexSouth HavenMichiganNational
Goods & Services index9595100
Groceries index10192100
Health care index9496100
Housing index8873100
Transportation index9597100
Utilities index99100100
A general overview of the cost of living index for South Haven, MI is displayed above. In South Haven, MI, the overall cost of living index is 94, which is 6% higher than the Michigan average and 6% lower than the U.S. average. The following categories are used to calculate the overall cost of living index: goods/services (33%), housing (30%), groceries (13%), utilities (10%), transportation (9%) and health care (5%). From the list, it is clear that the categories of goods/services and housing are responsible for the largest portions of the overall cost of living index. As a general rule, everyday goods and services provide an accurate measure of the general cost of goods in any given city. In the case of South Haven, MI, the city's goods and services are equal to the Michigan average and 5% lower than the U.S. average.

Did you know?

  • The cost of living in South Haven is 6% higher than the Michigan average.
  • The cost of living in South Haven is 6% lower than the national average.
  • The cost of housing in South Haven is 12% lower than the national average.
  • Michigan general sales tax is 18% higher than the national average.
  • Michigan state income tax is 91% higher than the national average.

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Salary Calculator

This is how much you would need to earn in
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Cost of living index
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Groceries index
Health care index
Housing index
Transportation index
Utilities index
The salary calculator is meant to help you compare your salary in South Haven, MI to your potential earning power in another city. This can help you deduce what your salary would need to be in any given city in order for you to live the same lifestyle that you do in your current city. In other words, if you plan on moving to a city where the cost of living is higher than in South Haven, MI, you'll have to make more money in the new city in order to maintain the lifestyle you currently enjoy. To use the South Haven, MI salary calculator, simply input the new city, then move the adjustable slider to match your current income. Once you've selected your income, the calculator will determine if that income is sufficient to support your standard of living in the new city you entered. The calculator will also supply you with a rundown of living costs in the new city.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
Owners$56,563$4,714$1,320$1,697
Renters$18,342$1,529$428$550
A good way to judge both the affordability of the housing and the cost of living is by simply calculating the maximum that a person should spend on housing in South Haven, MI, otherwise known as the debt-to-income ratio (DTI). The safest way to live in the city is to avoid spending more than 28 percent of the gross income that one earns on costs that pertain to housing and no more than 36 percent on all expenses and debts. South Haven, MI has a median income of about $56,563 for people who own homes. Based on that number, a person should spend a maximum of $1,320 on expenses related to housing. Renters have a slightly different median income, which is $18,342. Based on this average, renters should spend no more than $428 on all of their rental costs if they want to maintain a non-impoverished standard of living.

Michigan Sales Tax

StateGeneral Sales TaxWith Max Surtax
Michigan6%6%

Michigan Income Tax

StateIncome Tax (Low)Income Tax (High)
Michigan4.25%4.25%
When you are determining the total cost of living in South Haven, MI you will want to make sure you consider both the Michigan sales tax and the Michigan income tax rates. Sales tax come in the form of taxes levied on both services and goods that are sold. The sales tax rates are different state to state and range from zero sales tax to higher than 7%. The sales tax in Michigan is 6%, with the highest surtax being 6%. Tax that is on income by the government is income tax. Different states have different income tax rates and these rates can be higher or lower dependent on the corresponding tax bracket. The state income tax rates are different state to state and range from no income tax to more than 9% income tax. The income tax rates in Michigan have a range from 4.25% to 4.25%.

Goods & Services

ItemSouth HavenNational avg.Difference
Haircut $14.13$14.593.2%
Beauty Salon $29.50$34.6814.9%
Toothpaste $2.77$2.4712.0%
Shampoo $1.02$1.020.2%
Movie $7.00$9.8729.1%
Bowling $3.25$4.3926.0%

Groceries

ItemSouth HavenNational avg.Difference
Ground Beef $4.11$4.488.2%
Fried Chicken $1.61$1.4610.0%
Milk $2.44$2.363.5%
Potatoes $3.19$3.064.2%
Pizza $8.00$9.2413.4%
Beer $8.69$8.630.7%

Health Care

ItemSouth HavenNational avg.Difference
Optometrist $79.13$99.7820.7%
Doctor $93.60$105.0310.9%
Dentist $84.67$88.704.5%
Ibuprofen $9.12$9.413.1%
Lipitor $299.59$298.500.4%

Housing

ItemSouth HavenNational avg.Difference
Home Price $174,800.00$175,700.000.5%
Avg. Mortgage Payment $862.62$1,081.0320.2%
Apartment Rent $578.00$920.0037.2%

Transportation

ItemSouth HavenNational avg.Difference
Gasoline $1.96$2.096.4%
Tire Balancing $44.89$45.290.9%

Utilities

ItemSouth HavenNational avg.Difference
All Electricity$147.13$170.8013.9%
Phone $32.99$28.2616.8%
Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

Nearby cities with low cost of living

City, StatePopulationCost of Living IndexNational Avg.
Lawrence, MI1,04980-20%
Fennville, MI1,75777-23%
Breedsville, MI15378-22%
Bangor, MI2,02682-18%
Hartford, MI2,66082-18%
South Haven, MI4,36794-6%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Edwardsville, KS4,36789-11%
Greentown, OH4,3681000%
Copperopolis, CA4,36512020%
San Carlos, AZ4,36578-22%
Hendron, KY4,36589-11%
South Haven, MI4,36794-6%
Source: The South Haven, MI cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.