What income do you need to buy a house in Ludington, MI?

It takes about $90,000/yr to afford the typical Ludington, MI home ($309K, +7.0% past year) at today's rates. Starter homes run around $199K. See if you can afford a house in Ludington (2026 data) — free, no signup.

Market snapshot (2026-06)

• Income needed to buy the typical home: about $90,000/yr (28% front-end ratio, 20% down, 6.66% 30-yr fixed, MI property tax and insurance)
• Typical home value: $309K (Zillow ZHVI, 2026-06)
• 1-year change: +7.0%
• Bottom 35% of homes: $199K
• Top 35% of homes start around: $487K
• Median household income: $46K
• Price-to-income ratio: 6.7
• Estimated payment on the typical home: $1,587/mo principal & interest (20% down, 6.66% 30-yr fixed)

Nearby housing markets

• Manistee, MI — typical home $272K
• Big Rapids, MI — typical home $226K
• Muskegon, MI — typical home $193K
• Muskegon Heights, MI — typical home $92K
• Cadillac, MI — typical home $241K
• Norton Shores, MI — typical home $299K

The most affordable cities to buy a house in Michigan

Home values are Zillow Group public data (ZHVI, updated monthly); income and population are US Census Bureau ACS 5-year estimates. Estimates only — not financial advice.

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