Cost of Living in Harbor Springs, MI

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4%
Overall NAT. AVG.
1%
Groceries NAT. AVG.
21%
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 Harbor Springs Michigan National
Cost of living10491100
Groceries9998100
Health care9697100
Housing12176100
Transportation9496100
Utilities99100100
Lifestyle & Entertainment9596100
Household Items10098100
Education & Childcare10095100
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Homes For Sale In Harbor Springs, MI

property for sale

2322 E Hathaway Rd

Harbor Springs, MI
property for sale

1995 Club House Dr

Harbor Springs, MI
property for sale

4037 S Pleasantview Rd

Harbor Springs, MI
property for sale

6598 Forest Way

Harbor Springs, MI

Cost Of Living Quick Facts

  • The cost of living in Harbor Springs is 15% higher than the Michigan average
  • The cost of living in Harbor Springs is 4% higher than the national average
  • Harbor Springs housing is 21% higher 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 Harbor Springs

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Compare Harbor Springs, MI Cost of Living

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      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$88,744$7,395$2,071$2,663
      Renters$36,186$3,016$844$1,086

      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, MI182972.5%
      Levering, MI104972.5%
      Ponshewaing, MI32972.5%
      Oden, MI4738317.4%
      Pellston, MI7848614.0%
      Harbor Springs, MI1,1291044.4%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Pala, CA1,12911312.6%
      Archer, FL1,129964.2%
      Crescent Beach, FL1,12913131.1%
      Jamestown, IN1,1298811.7%
      Park City, MT1,1291032.6%
      Harbor Springs, MI1,1291044.4%
      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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