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Hillsdale, MI

Cost of living in Hillsdale County, MI

Estimated monthly cost
$2,623/mo
for a single person, all categories combined

Population 45,658 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $711 27%
Healthcare $480 18%
Federal tax $419 16%
Groceries $326 12%
Transport $320 12%
Energy $191 7%
State tax $126 5%
Water $50 2%

Rent in Hillsdale County

Fair Market Rents by bedroom count.

Studio
$707
per month
1 bedroom
$711
per month
2 bedroom
$933
per month
3 bedroom
$1,188
per month
4 bedroom
$1,237
per month

Source: HUD FMR FY2025

Income and earnings in Hillsdale County

Annual earnings figures from the Census ACS.

Household income
$60,869
per year
Individual earnings
$35,680
per year
Per capita
$31,996
per year

Source: ACS 2019-2023 5-Year.

Home values in Hillsdale County

Average values reported by homeowners.

Average home value
$170,500
Annual property tax
$1,644

Source: ACS 2019-2023 5-Year

Energy costs in Hillsdale 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 Hillsdale County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
7.0%

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 Hillsdale 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 Hillsdale County

Commute patterns and estimated costs.

Average commute
24.6 min
Drive alone
77.1%
Public transit
0.2%
Work from home
7.9%

Source: ACS

Monthly cost estimates for Hillsdale County

What it costs to live in Hillsdale County each month.

Single person
$2,623
per month
  • Rent $711
  • Energy $191
  • Water $50
  • Groceries $326
  • Transport $320
  • Healthcare $480
  • Federal tax $419
  • State tax $126
Couple
$3,928
per month
  • Rent $933
  • Energy $229
  • Water $60
  • Groceries $540
  • Transport $420
  • Healthcare $864
  • Federal tax $666
  • State tax $216
Family
$6,316
per month
  • Rent $1,188
  • Energy $286
  • Water $70
  • Groceries $820
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $666
  • State tax $216

Frequently asked questions about Hillsdale County

Common questions about cost of living, rent and salary.

What is the average rent in Hillsdale County?

In Hillsdale County, MI, a one-bedroom apartment averages $711 per month, a two-bedroom averages $933 per month, a three-bedroom averages $1,188 per month, according to HUD Fair Market Rent data.

What is the average salary in Hillsdale County?

In Hillsdale County, MI, the average household income is $60,869 per year and individual earnings for full-time workers average $35,680 per year, according to U.S. Census Bureau data.

What is the cost of living in Hillsdale County?

The estimated cost of living in Hillsdale County, MI is approximately $2,623 per month for a single person, $3,928 for a couple, $6,316 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Hillsdale County?

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

Is Hillsdale County an affordable place to live?

Based on the data, a single person in Hillsdale County, MI would need approximately $2,623 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $60,869 per year ($5,072 per month). Hillsdale County has a moderate cost of living relative to local earnings.

How much does healthcare cost in Hillsdale County?

The ACA marketplace benchmark premium in Hillsdale County, MI is approximately $480 per month for an individual. Approximately 7.0% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Hillsdale County?

The average home value in Hillsdale County, MI is $170,500, with average annual property taxes of $1,644, according to U.S. Census Bureau data.

How does Hillsdale County compare to other areas?

You can compare Hillsdale County, MI with any other US county using our comparison tool at /compare. Hillsdale County is in the Hillsdale, MI metro area.

Other counties in Michigan

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

See all counties in Michigan

Compare Hillsdale County with another area

Put two counties side by side to see how rent, taxes and everyday costs stack up.

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