Cost of Living in Ludington, MI

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10%
Overall NAT. AVG.
2%
Groceries NAT. AVG.
26%
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 Ludington Michigan National
Cost of living9091100
Groceries9898100
Health care9897100
Housing7476100
Transportation9496100
Utilities103100100
Lifestyle & Entertainment9396100
Household Items9698100
Education & Childcare9695100
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Homes For Sale In Ludington, MI

property for sale

5989 Barnhart Rd

Ludington, MI
property for sale

6383 S Lakeshore Dr

Pentwater, MI
property for sale

6292 Grace Ave

Ludington, MI
property for sale

420 N Robert St

Ludington, MI
See the Newest Homes For Sale In Ludington, MI

Cost Of Living Quick Facts

  • The cost of living in Ludington is 1% lower than the Michigan average
  • The cost of living in Ludington is 10% lower than the national average
  • Ludington housing is 26% 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 Ludington

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Compare Ludington, 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
      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$86,735$7,228$2,024$2,602
      Renters$39,460$3,288$921$1,184
      The affordability of the housing market in Ludington, MI as well as the overall cost of living can be predicted by what percent of the monthly income is spent on housing related costs. This is konwn as the debt-to-income ratio (DTI). The overall rule of thumb is that no more than 28% of your gross income should be spent on the overall costs related to housing and no more than 36% of gross income on all expenses and debts. Among Ludington homeowners, the median income is $86,735. This indicates that a monthly maximum of $2,024 should be spent by homeowners on all housing related costs. Renters have a median income of $39,460. This indicates that renters would have a maximum of $921 for their rent related monthly 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%

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Fountain, MI2217920.7%
      Free Soil, MI1038217.8%
      Scottville, MI1,3428416.3%
      Custer, MI3018514.5%
      Pentwater, MI8231021.9%
      Ludington, MI8,370909.8%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      London, KY8,3718811.6%
      Madison Park, NJ8,37112525.3%
      Farmville, VA8,3681021.6%
      Summit Park, UT8,37417676.4%
      Macdonald, MB8,365n/a 
      Ludington, MI8,370909.8%
      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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