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Michigan

Cost of living in Charlevoix County, MI

Estimated monthly cost
$2,802/mo
for a single person, all categories combined

Population 26,143 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $773 28%
Federal tax $515 18%
Healthcare $480 17%
Groceries $326 12%
Transport $320 11%
Energy $191 7%
State tax $147 5%
Water $50 2%

Rent in Charlevoix County

Fair Market Rents by bedroom count.

Studio
$665
per month
1 bedroom
$773
per month
2 bedroom
$950
per month
3 bedroom
$1,331
per month
4 bedroom
$1,550
per month

Source: HUD FMR FY2025

Income and earnings in Charlevoix County

Annual earnings figures from the Census ACS.

Household income
$76,495
per year
Individual earnings
$41,548
per year
Per capita
$47,337
per year

Source: ACS 2019-2023 5-Year.

Home values in Charlevoix County

Average values reported by homeowners.

Average home value
$242,800
Annual property tax
$2,408

Source: ACS 2019-2023 5-Year

Energy costs in Charlevoix County

Estimated monthly electricity and gas costs.

Electricity
$128
per month · 19.7¢/kWh
Natural gas
$63
per month
Annual total
$2,292
per year

Source: EIA

Healthcare in Charlevoix County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
6.2%

Source: ACS + national avg. Marketplace benchmark premiums are second-lowest Silver plan estimates and do not reflect employer plans, subsidies, or out-of-pocket costs. This is not healthcare advice.

Taxes in Charlevoix County

State and local tax rates for Michigan.

State income tax
4.3%
Flat rate
State sales tax
6.0%
Combined sales tax
6.0%
incl. average local

Tax rates change. Consult a qualified tax professional for advice on your specific situation. This is not tax advice.

Transportation in Charlevoix County

Commute patterns and estimated costs.

Average commute
20.5 min
Drive alone
74.9%
Public transit
0.5%
Work from home
10.9%

Source: ACS

Monthly cost estimates for Charlevoix County

What it costs to live in Charlevoix County each month.

Single person
$2,802
per month
  • Rent $773
  • Energy $191
  • Water $50
  • Groceries $326
  • Transport $320
  • Healthcare $480
  • Federal tax $515
  • State tax $147
Couple
$4,256
per month
  • Rent $950
  • Energy $229
  • Water $60
  • Groceries $540
  • Transport $420
  • Healthcare $864
  • Federal tax $922
  • State tax $271
Family
$6,770
per month
  • Rent $1,331
  • Energy $286
  • Water $70
  • Groceries $820
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $922
  • State tax $271

Frequently asked questions about Charlevoix County

Common questions about cost of living, rent and salary.

What is the average rent in Charlevoix County?

In Charlevoix County, MI, a one-bedroom apartment averages $773 per month, a two-bedroom averages $950 per month, a three-bedroom averages $1,331 per month, according to HUD Fair Market Rent data.

What is the average salary in Charlevoix County?

In Charlevoix County, MI, the average household income is $76,495 per year and individual earnings for full-time workers average $41,548 per year, according to U.S. Census Bureau data.

What is the cost of living in Charlevoix County?

The estimated cost of living in Charlevoix County, MI is approximately $2,802 per month for a single person, $4,256 for a couple, $6,770 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Charlevoix County?

The combined sales tax rate in Charlevoix County, MI is 6.00%, which includes the Michigan state rate of 6.00% plus an average local rate of 0.00%.

Is Charlevoix County an affordable place to live?

Based on the data, a single person in Charlevoix County, MI would need approximately $2,802 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $76,495 per year ($6,375 per month). Charlevoix County is relatively affordable compared to the national average.

How much does healthcare cost in Charlevoix County?

The ACA marketplace benchmark premium in Charlevoix County, MI is approximately $480 per month for an individual. Approximately 6.2% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Charlevoix County?

The average home value in Charlevoix County, MI is $242,800, with average annual property taxes of $2,408, according to U.S. Census Bureau data.

How does Charlevoix County compare to other areas?

You can compare Charlevoix County, MI with any other US county using our comparison tool at /compare. Charlevoix County is in Michigan.

Other counties in Michigan

Browse the full list of counties in Michigan, ranked by cost of living.

See all counties in Michigan

Compare Charlevoix County with another area

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About this data

All figures on this page come from official U.S. government sources, listed below.

  • HUD FMR FY2025
  • ACS 2019-2023 5-Year
  • EIA
  • ACS + national avg
  • ACS
  • USDA + BEA RPP
Methodology All data sources