Cost Of Living in Swartz Creek, MI

The cost of living index is based on a national average of 100. For example, if the cost of living is 90, then it is 10% lower than average. If the cost of living is 110, then it is 10% higher than average. The breakdown for each index is as follows: goods & services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). If the cost of living data was unavailable for this city, estimates based upon nearby cities were used.
Index	Swartz Creek	Michigan	National
Cost of living	92	89	100
Goods & Services	102	93	100
Groceries	103	99	100
Health care	102	93	100
Housing	71	74	100
Transportation	100	97	100
Utilities	94	101	100

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Cost Of Living Quick Facts

The cost of living in Swartz Creek is 3% higher than the Michigan average
The cost of living in Swartz Creek is 8% lower than the national average
Swartz Creek housing is 29% lower than the national average
Michigan general sales tax is 18% higher than the national average
Michigan state income tax is 64% higher than the national average

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Price difference in compared to

Cost of living index
Goods & Services index
Groceries index
Health care index
Housing index
Transportation index
Utilities index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$59,968	$4,997	$1,399	$1,799
Renters	$36,378	$3,032	$849	$1,091

A good way to judge both the affordability of the housing and the cost of living in Swartz Creek is by simply calculating the maximum that should be spent on housing, otherwise known as the debt-to-income ratio (DTI). The plan is to avoid spending more than 28 percent of the gross income on costs that pertain to housing and no more than 36 percent on all expenses and debts. Swartz Creek has a median income of about $59,968 for people who own homes. Based on that number, a maximum of $1,399 should be spent on expenses related to housing. Renters have a slightly different median income, which is $36,378. Based on this average, renters should spend no more than $849 on all rental costs if they want to maintain a non-impoverished standard of living.

Michigan Sales Tax

State	General Sales Tax	With Max Surtax
Michigan	6%	6%

Michigan Income Tax

State	Income Tax (Low)	Income Tax (High)
Michigan	4.25%	4.25%

Goods & Services

Item	Swartz Creek	National avg.	Difference
Haircut	$16.80	$24.26	30.8%
Beauty Salon	$24.78	$45.56	45.6%
Toothpaste	$3.66	$3.70	1.1%
Shampoo	$1.13	$1.28	11.8%
Movie	$12.99	$12.13	7.1%
Bowling	$12.33	$18.00	31.5%

Groceries

Item	Swartz Creek	National avg.	Difference
Ground Beef	$5.75	$5.84	1.5%
Fried Chicken	$1.41	$1.57	10.4%
Milk	$4.78	$4.67	2.3%
Potatoes	$4.80	$4.93	2.8%
Pizza	$8.99	$12.09	25.6%
Beer	$9.04	$10.41	13.2%

Health Care

Item	Swartz Creek	National avg.	Difference
Optometrist	$85.00	$125.68	32.4%
Doctor	$103.33	$135.78	23.9%
Dentist	$91.00	$113.29	19.7%
Ibuprofen	$10.22	$10.65	4.1%
Lipitor	$490.11	$468.60	4.6%

Housing

Item	Swartz Creek	National avg.	Difference
Home Price	$119,900.00	$184,700.00	35.1%
Avg. Mortgage Payment	$1,709.07	$2,346.69	27.2%
Apartment Rent	$807.00	$949.00	15.0%

Transportation

Item	Swartz Creek	National avg.	Difference
Gasoline	$3.35	$3.46	3.1%
Tire Balancing	$56.00	$59.92	6.5%

Utilities

Item	Swartz Creek	National avg.	Difference
All Electricity	$219.20	$193.99	13.0%
Phone	$184.44	$192.25	4.1%

Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

Nearby cities with low cost of living

City	Population	Cost of Living Index	National Avg.
Flint, MI	95,999	81	19.1%
Beecher, MI	9,168	81	18.8%
Otisville, MI	947	84	15.9%
Mount Morris, MI	2,850	85	15.2%
Clio, MI	2,036	85	14.8%
Swartz Creek, MI	5,535	92	8.3%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Pelham Manor, NY	5,535	204	104.4%
Duquesne, PA	5,534	82	18.3%
Byron, MN	5,536	105	4.7%
Weldon Spring, MO	5,536	131	30.7%
Bessemer City, NC	5,536	90	10.2%
Swartz Creek, MI	5,535	92	8.3%

Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.

Cost of Living in Swartz Creek, MI