A+
19%
Overall NAT. AVG.
2%
Goods & Services NAT. AVG.
65%
Housing NAT. AVG.
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Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.
The cost of living index is based on a national average of 100. For example, if the cost of living is 90, then it is 10% lower than average. If the cost of living is 110, then it is 10% higher than average. The breakdown for each index is as follows: goods & services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). If the cost of living data was unavailable for this city, estimates based upon nearby cities were used.
Index Flint Michigan National
Cost of living8189100
Goods & Services10293100
Groceries10399100
Health care10293100
Housing3574100
Transportation10097100
Utilities94101100

An Overview of Cost of Living in Flint, MI

Getting a feel for the cost of living in Flint is essential for anyone planning to relocate, as it empowers them to make informed financial decisions, secure a comfortable lifestyle and maintain financial stability in their new environment. The cost of living in Flint is 81, which is 19% lower than the national average. Relocating individuals may need to adjust their savings and investment strategies based on the cost of living in the new location. It influences decisions about retirement planning, investments and financial goals.

Housing expenses often consume a significant portion of your net income, occasionally surpassing 30%. Fortunately, housing costs in Flint are 64.9% below the national average. This highlights the region's exceptional affordability for both homeownership and rentals in comparison to the rest of the country. This favorable housing situation allows residents to allocate a more reasonable fraction of their income to housing, resulting in enhanced financial flexibility and improved overall financial well-being.

What Do Locals Say About the Cost of Living in Flint?

Nobody knows their city better than the people who actually live there. So, we asked 15 local residents how they would rate the cost of living in Flint and this is how they responded. 47% of people said that the cost of living was affordable, with prices decreasing, while 53% of people said that the cost of living was very expensive and prices continue to rise.

Is Flint Affordable?

Is Flint an affordable place to live? It's a good question and one that you might want to ask when considering any new city, as affordability can play a huge role in the decision making process. The cost of living index (which we covered above), as well as housing costs and income levels play a vital role in determining the affordability of an area. The median home price in Flint is 82.8% lower than the national average, while the average monthly rent prices are 23.1% lower than average. The affordability of any location can also be influenced by median income levels. Flint has a median household income of $30,383, which is 45.1% lower than the national average.

What Factors can Influence the Cost of Living in Flint?

Utilities: As with the prices of anything else, utility costs can exhibit significant variations, contingent on factors like climate, energy source availability, geographic location and state regulations. The expenses associated with electricity, water, heating, and waste disposal can fluctuate, either upward or downward, depending on the particular city or state. In Flint, the utilities index registers 5.6% lower than the national average.

Urbanization: Larger, urban hubs brimming with ample amenities and robust employment opportunities often showcase a heightened cost of living. This surge is primarily attributed to the amplified demand for services and increased residential migration, culminating in elevated home prices and elevated rental rates. Conversely, less densely populated rural locales or regions characterized by reduced demand tend to offer a more limited array of amenities and undergo slower job market growth, ultimately yielding a more affordable cost of living.

Groceries: Grocery expenditures have undergone notable escalation over the last 2-3 years. In some markets, the cost of food products has surged by more than 20%, while others have experienced only modest increments. These fluctuations in food costs can have a significant impact on the overall cost of living in any region. In Flint, the groceries index registers 3.4% higher than the national average.

Where is the Data From?

The cost of living data in Flint displayed above is sourced from the C2ER cost of living index, which serves as a practical tool for comparing living expenses across urban areas. Published on a quarterly basis, this index aggregates data from over 300 independent researchers, encompassing more than 60 goods and services, in 6 different categories. The weightings assigned to cost differences rely on government survey data that tracks the spending habits of professional and executive households. It's worth noting that the C2ER index excludes data on sales or income tax rates, while AreaVibes integrates tax rates into the overall cost of living evaluation for each region.

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Cost Of Living Quick Facts

  • The cost of living in Flint is 9% lower than the Michigan average
  • The cost of living in Flint is 19% lower than the national average
  • Flint housing is 65% lower than the national average
  • Michigan general sales tax is 18% higher than the national average
  • Michigan state income tax is 88% higher than the national average

Most Affordable Places to Live in and Around Flint

See all the best places to live around Flint

Compare Flint, MI Cost of Living

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      Salary Calculator

      This is how much you would need to earn in
      Price difference in compared to
      Cost of living index
      Goods & Services index
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$40,208$3,351$938$1,206
      Renters$21,265$1,772$496$638
      The percent of monthly income spent on housing can be a good indicator of the affordability of housing in Flint, MI, as well as the overall cost of living. As a general rule of thumb, the debt-to-income ratio (DTI) for homeowners or renters should be not more than 28 percent of gross income to be spent on housing related costs and not more than 36 percent of income on all expenses, including debts. The median income for Flint homeowners, is $40,208. This would allow for a maximum of $938 per month to be spent on housing costs. For renters, the median monthly income is $21,265 which would result in a maximum of $496 to be spent on rental costs.

      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%

      Goods & Services

      Item Flint National avg. Difference
      Haircut $16.80$24.2630.8%
      Beauty Salon $24.78$45.5645.6%
      Toothpaste $3.66$3.701.1%
      Shampoo $1.13$1.2811.8%
      Movie $12.99$12.137.1%
      Bowling $12.33$18.0031.5%

      Groceries

      Item Flint National avg. Difference
      Ground Beef $5.75$5.841.5%
      Fried Chicken $1.41$1.5710.4%
      Milk $4.78$4.672.3%
      Potatoes $4.80$4.932.8%
      Pizza $8.99$12.0925.6%
      Beer $9.04$10.4113.2%

      Health Care

      Item Flint National avg. Difference
      Optometrist $85.00$125.6832.4%
      Doctor $103.33$135.7823.9%
      Dentist $91.00$113.2919.7%
      Ibuprofen $10.22$10.654.1%
      Lipitor $490.11$468.604.6%

      Housing

      Item Flint National avg. Difference
      Home Price $31,700.00$184,700.0082.8%
      Avg. Mortgage Payment $1,709.07$2,346.6927.2%
      Apartment Rent $730.00$949.0023.1%

      Transportation

      Item Flint National avg. Difference
      Gasoline $3.35$3.463.1%
      Tire Balancing $56.00$59.926.5%

      Utilities

      Item Flint National avg. Difference
      All Electricity $219.20$193.9913.0%
      Phone $184.44$192.254.1%
      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 Population Cost of Living Index National Avg.
      Beecher, MI9,1688118.8%
      Otisville, MI9478415.9%
      Mount Morris, MI2,8508515.2%
      Clio, MI2,0368514.8%
      Montrose, MI2,0238713.1%
      Flint, MI95,9998119.1%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Brossard, QC96,033n/a 
      Longmont, CO95,86412928.6%
      Sandy, UT96,13712828.2%
      Riverview, FL95,8491077.0%
      Compton, CA95,80413636.2%
      Flint, MI95,9998119.1%
      Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.