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Learn about the people, housing, costs and businesses in Ludington Area, Michigan
Real local data across mortgage, insurance, natural hazard, and place.
Rates, calculators, and lender comparisons
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Ludington Area.
True all-in cost — P&I, taxes, insurance & utilities for homes in Ludington Area.
Find and compare lenders active near Ludington Area.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for Ludington Area.
Seismic risk and earthquake insurance estimates for Ludington Area.
Wildfire exposure and insurance estimates for Ludington Area.
As of today, the 30-year fixed mortgage rate for Ludington Area is approximately 7.004% (7.044% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for Ludington AreaThe median home value in Ludington Area is $205k. The median monthly rent is $918. Annual property taxes average $2k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Ludington Area have increased 18.9% over the past two years. This indicates a strong appreciation trend. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $883/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $38k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Ludington Area is $67k/year.
Calculate your buying powerThe largest employment sectors in Ludington Area are public administration (25%) and retail (12%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.