Cost of Living in Ludington, MI
Overall index: 70 (100 = US national average). Data source: US Census ACS 2023 & BLS OEWS 2025, 2025.
Overall Cost of Living Index
Cost Breakdown by Category
| Category | Index | vs US avg | Sample cost |
|---|---|---|---|
| Housing | 55 | -45% | $577 |
| Transportation | 101 | +1% | $3.50 |
| Food | 60 | -40% | $246 |
| Utilities | 78 | -22% | $99 |
| Healthcare | 78 | -22% | $72 |
Index 100 = US national average. Higher = more expensive.
Cost breakdown (visual)
Salary Calculator: What do you need to earn in Ludington?
A single adult living comfortably in Ludington, MI needs approximately $24,500 / year after taxes.
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Frequently Asked Questions
What is the cost of living in Ludington, MI?
The overall cost of living in Ludington, MI is 30% lower than the US national average (index: 70 where 100 = national average).
How much is rent in Ludington, MI?
Average rent for a 1-bedroom apartment in Ludington, MI is about $577/month.
Is Ludington, MI expensive to live in?
No, Ludington, MI is affordable (below national average).
What salary do I need to live in Ludington, MI?
A single adult needs roughly $24,500/year to cover basic living costs in Ludington, MI.