Cost of Living in Gaines, MI

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16%
Overall NAT. AVG.
1%
Groceries NAT. AVG.
41%
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 Gaines Michigan National
Cost of living8491100
Groceries9998100
Health care9397100
Housing5976100
Transportation9296100
Utilities97100100
Lifestyle & Entertainment9796100
Household Items9498100
Education & Childcare9095100
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Homes For Sale In Gaines, MI

property for sale

10356 Grand Blanc Rd

Gaines, MI
property for sale

9110 Baldwin Rd

Gaines, MI
property for sale

NHN Grand Blanc Rd

Gaines, MI
property for sale

Williams Rd

Gaines, MI

Cost Of Living Quick Facts

  • The cost of living in Gaines is 7% lower than the Michigan average
  • The cost of living in Gaines is 16% lower than the national average
  • Gaines housing is 41% 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

Most Affordable Places to Live in and Around Gaines

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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$73,684$6,140$1,719$2,211
      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.
      Flint, MI99,4367722.9%
      Middletown, MI8678020.0%
      Vernon, MI5148217.8%
      Durand, MI3,4148316.6%
      Owosso, MI14,8478514.6%
      Gaines, MI4368415.8%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Kwigillingok, AK436963.5%
      Pilot Station, AK436991.2%
      Galva, IA4367921.4%
      Virgil, IL43611212.1%
      Lakeview Heights, KY436955.5%
      Gaines, MI4368415.8%
      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.
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