The median home in Ludington, Michigan is valued at $284,183, up 2.2% year over year. Ludington is part of the Ludington, MI metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$284,183

+2.2%

Prices rising — worse for buyers.

Affordability

Enter your income for Ludington.

Income (annual)

Down Payment

$56,837 on $284,183

Example: $75,000 household income. Change it above to see your own.

Stretch31% of income

Above 28% but manageable with cuts.

PITI$1,935

P/I31%

Afford$257K

Gap-$27K

P&I $1,437Tax $365Ins $133

6.50% 30yr, 20% down, county tax + MI ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Michigan

Compare Ludington with other housing markets across Michigan.

Lake Angelus$1.66M Leland$1.1M Orchard Lake$914K Franklin$845K Lake Leelanau$832K Kewadin$811K Lakeside$800K Northport$758K

Full Ludington, MI analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Ludington, MI metro.

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