What is the cost of living in Swartz Creek, MI?
According to the most recent data on the cost of living, Swartz Creek has an overall cost of living index of 89, which is 0.9x lower than the national index of 100.
Compared to Michigan, Swartz Creek has a cost of living index that's 1.0x lower than Michigan's index of 91.
The standard of living in Swartz Creek ranks as #64 most affordable out of the 179 places we measured in Michigan. By definition, that implies Swartz Creek ranks as the #115 most expensive place in the Wolverine State.
For more reading on life in Swartz Creek, check out:
Swartz Creek Cost Of Living Vs. Michigan
Six factors go into calculating the cost of living index in Swartz Creek. Here is how it fares on each of the criteria:
The Services index in Swartz Creek is 97.
The Groceries index in Swartz Creek is 95.
The Health index in Swartz Creek is 71.
The Housing index in Swartz Creek is 93.
The Transportation index in Swartz Creek is 98.
The Utilities index in Swartz Creek is 98.
| Living Expense | Swartz Creek | Michigan | National Average |
|---|---|---|---|
| Overall | 89 | 91 | 100 |
| Services | 97 | 97 | 100 |
| Groceries | 95 | 98 | 100 |
| Health | 71 | 75 | 100 |
| Housing | 93 | 98 | 100 |
| Transportation | 98 | 101 | 100 |
| Utilities | 98 | 98 | 100 |
Swartz Creek 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 Swartz Creek Get matched →Source: Cost-of-living index 2026, normalized to US average = 100
Swartz Creek, 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 Swartz Creek is $245,862.
The Median Rent in Swartz Creek is $1,247.
The Median Income in Swartz Creek is $71,571.
The Home Value To Income in Swartz Creek is 3.4x.
The Rent To Monthly Income in Swartz Creek is 0.21x.
| Statistic | Swartz Creek | Michigan | United States |
|---|---|---|---|
| Median Home Value | $245,862 | $259,857 | $332,700 |
| Median Rent | $1,247 | $1,129 | $1,413 |
| Median Income | $71,571 | $72,875 | $80,734 |
| Home Value To Income | 3.4x | 3.6x | 4.1x |
| Rent To Monthly Income | 0.21x | 0.19x | 0.21x |
Swartz Creek, MI Costs By Category
Detailed Swartz Creek Services costs vs. Michigan
| Item | Swartz Creek | 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 Swartz Creek Groceries costs vs. Michigan
| Item | Swartz Creek | 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 Swartz Creek Health costs vs. Michigan
| Item | Swartz Creek | Michigan |
|---|---|---|
| Optometrist | $85.0 | $125.68 |
| Doctor | $103.33 | $135.78 |
| Dentist | $91.0 | $113.29 |
Detailed Swartz Creek Transportation costs vs. Michigan
| Item | Swartz Creek | Michigan |
|---|---|---|
| Gasoline | $3.35 | $3.46 |
| Tire Balancing | $56.0 | $59.92 |
Detailed Swartz Creek Utilities costs vs. Michigan
| Item | Swartz Creek | Michigan |
|---|---|---|
| All Electricity | $219.2 | $193.99 |
| Phone | $184.44 | $192.25 |
Swartz Creek SnackAbility
Cost Of Living In Cities Around Swartz Creek
The cost of living varies in the cities and towns around Swartz Creek. Here's a quick look at the cost of living in the most populous nearby places:
Flint, MI has a cost of living index of 78, 0.9x Swartz Creek.
Burton, MI has a cost of living index of 86, 1.0x Swartz Creek.
Owosso, MI has a cost of living index of 83, 0.9x Swartz Creek.
| City | Population | Cost Of Living | Vs. Swartz Creek |
|---|---|---|---|
| Flint, MI | 80,175 | 78 | 0.9x |
| Burton, MI | 29,500 | 86 | 1.0x |
| Owosso, MI | 14,632 | 83 | 0.9x |
| Fenton, MI | 11,906 | 95 | 1.1x |
| Beecher, MI | 8,412 | 78 | 0.9x |
| Flushing, MI | 8,284 | 88 | 1.0x |
| Grand Blanc, MI | 7,987 | 96 | 1.1x |
| Lake Fenton, MI | 6,417 | 106 | 1.2x |
| Holly, MI | 5,964 | 90 | 1.0x |
| Davison, MI | 5,076 | 90 | 1.0x |
