What is the cost of living in Garden City, MI?
According to the most recent data on the cost of living, Garden City has an overall cost of living index of 90, which is 0.9x lower than the national index of 100.
Compared to Michigan, Garden City has a cost of living index that's 1.0x lower than Michigan's index of 91.
The standard of living in Garden City ranks as #71 most affordable out of the 179 places we measured in Michigan. By definition, that implies Garden City ranks as the #108 most expensive place in the Wolverine State.
For more reading on life in Garden City, check out:
Garden City Cost Of Living Vs. Michigan
Six factors go into calculating the cost of living index in Garden City. Here is how it fares on each of the criteria:
The Services index in Garden City is 98.
The Groceries index in Garden City is 101.
The Health index in Garden City is 76.
The Housing index in Garden City is 97.
The Transportation index in Garden City is 100.
The Utilities index in Garden City is 92.
| Living Expense | Garden City | Michigan | National Average |
|---|---|---|---|
| Overall | 90 | 91 | 100 |
| Services | 98 | 97 | 100 |
| Groceries | 101 | 98 | 100 |
| Health | 76 | 75 | 100 |
| Housing | 97 | 98 | 100 |
| Transportation | 100 | 101 | 100 |
| Utilities | 92 | 98 | 100 |
Garden City Cost Of Living Compared To Michigan Averages
Index where 100 = national average. Source: cost-of-living index 2026.
For more reading on cost of living around Michigan, check out:
Protect your home budget Compare home warranties in Garden City Get matched →Source: Cost-of-living index 2026, normalized to US average = 100
Garden City, MI Housing Cost Breakdown
Housing swings affordability the most between places in Michigan, so we broke down housing costs into more detail. Home and income data comes from the most recent US Census ACS 2020-2024. The key points are:
The Median Home Value in Garden City is $200,240.
The Median Rent in Garden City is $1,150.
The Median Income in Garden City is $67,294.
The Home Value To Income in Garden City is 3.0x.
The Rent To Monthly Income in Garden City is 0.21x.
| Statistic | Garden City | Michigan | United States |
|---|---|---|---|
| Median Home Value | $200,240 | $259,857 | $332,700 |
| Median Rent | $1,150 | $1,129 | $1,413 |
| Median Income | $67,294 | $72,875 | $80,734 |
| Home Value To Income | 3.0x | 3.6x | 4.1x |
| Rent To Monthly Income | 0.21x | 0.19x | 0.21x |
Garden City, MI Costs By Category
Detailed Garden City Services costs vs. Michigan
| Item | Garden City | Michigan |
|---|---|---|
| Shampoo | $1.13 | $1.28 |
| Movie | $12.99 | $12.13 |
| Bowling | $12.33 | $18 |
| Haircut | $16.8 | $24.26 |
| Beauty Salon | $24.78 | $45.56 |
Detailed Garden City Groceries costs vs. Michigan
| Item | Garden City | Michigan |
|---|---|---|
| Ground Beef | $5.75 | $5.84 |
| Fried Chicken | $1.41 | $1.57 |
| Milk | $4.78 | $4.67 |
| Potatoes | $4.8 | $4.93 |
| Pizza | $8.99 | $12.09 |
| Beer | $9.04 | $10.41 |
| Toothpaste | $3.66 | $3.7 |
Detailed Garden City Health costs vs. Michigan
| Item | Garden City | Michigan |
|---|---|---|
| Optometrist | $85.0 | $125.68 |
| Doctor | $103.33 | $135.78 |
| Dentist | $91.0 | $113.29 |
Detailed Garden City Transportation costs vs. Michigan
| Item | Garden City | Michigan |
|---|---|---|
| Gasoline | $3.35 | $3.46 |
| Tire Balancing | $56.0 | $59.92 |
Detailed Garden City Utilities costs vs. Michigan
| Item | Garden City | Michigan |
|---|---|---|
| All Electricity | $219.2 | $193.99 |
| Phone | $184.44 | $192.25 |
