Michigan · Census, HUD and BEA figures · Updated

Cost of Living in Mackinac County, MI

Prices around Mackinac County, MI run 3.8% below the U.S. average (BEA, Michigan). The typical household there earns $63,909 a year, and HUD puts a two-bedroom at $1,023 a month. Keeping that rent under 30% of income takes about $40,920 a year.

Mackinac County, MI at a glance

Median household income

$63,909$5,326 per month · U.S. Census Bureau ACS 5-Year
2-bedroom rent$1,023HUD FY2026 Fair Market Rent
Price level (U.S. = 100)96.2-3.8% · BEA, Michigan
Electricity23¢per kWh · EIA Residential MI
Population10,957Census ACS 5-year estimate

How much rent can you afford in Mackinac County, MI?

HUD’s fair market rent for each size, against what a typical household here earns. Change the income to see yours.

Affordable (< 30% of income)
HUD Fair Market Rent$1,023Monthly market rent
Share of gross income19.2%Recommended max: 30%
Annual income needed$40,920To meet the 30% standard
Max affordable rent$1,598At 30% of $63,909
0%30% (Affordability standard)100%
Compare against:

How much is rent in Mackinac County, MI? By bedroom, 2026

HUD's fiscal 2026 Fair Market Rents for Mackinac County, MI, with the income each one takes if rent stays under 30% of it.

HUD Fair Market Rent in Mackinac County, MI, fiscal 2026
Unit SizeMonthly RentAnnual Rent30% Rule Min. Income% of Median Income
Studio / Efficiency$775$9,300$31,00014.6%
1-Bedroom Apartment$780$9,360$31,20014.6%
2-Bedroom ApartmentBenchmark$1,023$12,276$40,92019.2%
3-Bedroom Home$1,227$14,724$49,08023%
4-Bedroom Home$1,451$17,412$58,04027.2%

Rent in Mackinac County, MI, with the wage each unit needs →

What a typical income covers in Mackinac County, MI

The 50/30/20 rule applied to the local median of $63,909 a year ($5,326 a month before tax).

Needs (50%)$2,663/moRent ($1,023 2-BR), utilities (~$207/mo), groceries, transit
Wants (30%)$1,598/moEating out, travel, subscriptions and the rest
Savings and debt (20%)$1,065/moEmergency fund, retirement, paying down loans

What $63,909 leaves after Michigan taxes

Federal income tax, Social Security, Medicare and Michigan tax on the local median income. Change the salary to see yours.

$63,909
$25,000$130,000
Filing status:
Gross salary breakdown$63,909
Net 80%
Fed 9%
MI 4%
FICA 8%
Annual take-home$51,066After all taxes
Monthly deposit$4,255Estimated per month
Biweekly paycheck$1,964Every 2 weeks (26/yr)
Effective tax rate20.1%Total tax burden
Federal income tax$5,489 / yr
Michigan state income tax$2,465 / yr
FICA (Social Security & Medicare)$4,889 / yr

Living in Mackinac County, MI: common questions

What is the median household income in Mackinac County, MI?

According to the latest U.S. Census Bureau ACS 5-Year survey, the median household income in Mackinac County, MI is $63,909 per year (approximately $5,326 per month).

What is the average rent in Mackinac County, MI?

The closest official figure is HUD's Fair Market Rent for 2026: $775 for a studio, $780 for one bedroom, $1,023 for two, $1,227 for three and $1,451 for four, utilities included.

It is not an average of listings. HUD sets it at the rent 40% of recent movers paid or less for a standard unit, so a new lease on a nicer place will usually cost more.

Is Mackinac County, MI expensive to live in?

Prices there run 3.8% below the U.S. average. BEA's regional price parity for Michigan is 96.2, where the U.S. is 100. Rent moves the number most: housing is where places differ, while goods cost about the same everywhere.

How much do you need to earn to comfortably afford rent in Mackinac County, MI?

To keep a $1,023 two-bedroom under 30% of gross income, a household needs about $40,920 a year, or $3,410 a month. That is 64% of what the typical household in Mackinac County, MI earns.

How much do you need to live comfortably in Mackinac County, MI?

On the local median income of $63,909 ($5,326 a month before tax), the 50/30/20 rule leaves $2,663 a month for needs like rent, utilities and groceries, $1,598 for everything else and $1,065 for savings or debt. A two-bedroom at $1,023 takes 38% of the needs share.

How much is the electric bill in Mackinac County, MI?

Homes in Michigan paid 23¢ per kWh on average (EIA). At 900 kWh a month, a typical use, that is about $207. Your bill depends mostly on heating and cooling.