Cost Of Living in Bay Shore, MI

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13%

Overall NAT. AVG.

1%

Groceries NAT. AVG.

37%

Housing NAT. AVG.

Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.

The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index	Bay Shore	Michigan	National
Cost of living	87	91	100
Groceries	99	98	100
Health care	96	97	100
Housing	63	76	100
Transportation	94	96	100
Utilities	99	100	100
Lifestyle & Entertainment	95	96	100
Household Items	100	98	100
Education & Childcare	100	95	100

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Homes For Sale In Bay Shore, MI

7500 9 Mile Point Dr

Charlevoix, MI

7857 9 Mile Point Dr

Charlevoix, MI

Cost Of Living Quick Facts

The cost of living in Bay Shore is 4% lower than the Michigan average
The cost of living in Bay Shore is 13% lower than the national average
Bay Shore housing is 37% lower than the national average
Michigan general sales tax is 18% higher than the national average
Michigan state income tax is 64% higher than the national average

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Price difference in compared to

Cost of living index
Groceries index
Health care index
Housing index
Transportation index
Utilities index
Lifestyle index
Household index
Educare index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$86,089	$7,174	$2,009	$2,583
Renters	$0	$0	$0	$0

Michigan Sales Tax

State	General Sales Tax	With Max Surtax
Michigan	6%	6%

Michigan Income Tax

State	Income Tax (Low)	Income Tax (High)
Michigan	4.25%	4.25%

Nearby cities with low cost of living

City	Population	Cost of Living Index	National Avg.
Bay View, MI	182	97	2.5%
Ponshewaing, MI	32	97	2.5%
Oden, MI	473	83	17.4%
East Jordan, MI	2,184	85	15.1%
Ellsworth, MI	347	88	12.1%
Bay Shore, MI	747	87	12.8%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Saybrook, IL	747	84	15.6%
Fonda, NY	747	94	6.1%
Lake Tanglewood, TX	747	153	53.3%
Audet, QC	747	n/a
Oujé-Bougoumou, QC	747	n/a
Bay Shore, MI	747	87	12.8%