What is the cost of living in Ludington, MI?
According to the most recent data on the cost of living, Ludington has an overall cost of living index of 92, which is 0.9x lower than the national index of 100.
Compared to Michigan, Ludington has a cost of living index that's 1.0x higher than Michigan's index of 91.
The standard of living in Ludington ranks as #80 most affordable out of the 179 places we measured in Michigan. By definition, that implies Ludington ranks as the #99 most expensive place in the Wolverine State.
For more reading on life in Ludington, check out:
Ludington Cost Of Living Vs. Michigan
Six factors go into calculating the cost of living index in Ludington. Here is how it fares on each of the criteria:
The Services index in Ludington is 100.
The Groceries index in Ludington is 99.
The Health index in Ludington is 76.
The Housing index in Ludington is 95.
The Transportation index in Ludington is 103.
The Utilities index in Ludington is 95.
| Living Expense | Ludington | Michigan | National Average |
|---|---|---|---|
| Overall | 92 | 91 | 100 |
| Services | 100 | 97 | 100 |
| Groceries | 99 | 98 | 100 |
| Health | 76 | 75 | 100 |
| Housing | 95 | 98 | 100 |
| Transportation | 103 | 101 | 100 |
| Utilities | 95 | 98 | 100 |
Ludington 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 Ludington Get matched →Source: Cost-of-living index 2026, normalized to US average = 100
Ludington, 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 Ludington is $298,512.
The Median Rent in Ludington is $902.
The Median Income in Ludington is $46,411.
The Home Value To Income in Ludington is 6.4x.
The Rent To Monthly Income in Ludington is 0.23x.
Ludington, MI Costs By Category
Detailed Ludington Services costs vs. Michigan
Detailed Ludington Groceries costs vs. Michigan
Detailed Ludington Health costs vs. Michigan
Detailed Ludington Transportation costs vs. Michigan
Ludington SnackAbility
Cost Of Living In Cities Around Ludington
The cost of living varies in the cities and towns around Ludington. Here's a quick look at the cost of living in the most populous nearby places:
Manistee, MI has a cost of living index of 89, 1.0x Ludington.
| City | Population | Cost Of Living | Vs. Ludington |
|---|---|---|---|
| Manistee, MI | 6,275 | 89 | 1.0x |
