12 Cheapest and Safest Places to Live in Michigan – 2025 Update
We found the cheapest and safest places to live in Michigan that offer a fine balance between affordability and security.
By analyzing data on crime rates, housing costs, and community charm, we’ve compiled this list of the 12 cheapest and safest cities in Michigan.
Each of these locations is a standout among safe and affordable places to live in Michigan, offering unique appeal for those seeking a fresh start.
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Methodology to Find the Cheapest and Safest Places to Live in Michigan
To rank the most affordable and safest places to live in Michigan, we considered multiple factors, including cost of living index, median home prices, and crime rates.
Using data from national and state resources, we ensured these cities meet the criteria for both affordability and safety.
Whether you’re looking for a bustling community or a quieter lifestyle, our top picks also showcase why they’re known as cheap and safe places to live in Michigan.
The 12 Cheapest and Safest Places to Live in Michigan
12. Sault Ste. Marie
Cost of Living Index: 14% Below US Average
Median Home Prices: $124,000
Crime Index: 10% Below US Average
Location: Check on Google Maps
Sault Ste. Marie, situated near the Canadian border, is a hidden gem for those searching for the safest and cheapest place to live in Michigan. Its rich history, stunning river views, and affordable homes make it one of the most affordable and safest places to live in Michigan.
11. Bay City
Cost of Living Index: 12% Below US Average
Median Home Prices: $135,000
Crime Index: 8% Below US Average
Location: Check on Google Maps
Bay City combines affordability with safety, making it one of the cheapest and safest cities in Michigan. The waterfront, festivals, and historic architecture highlight its charm, proving it’s a top contender among cheap and safe places to live in Michigan.
10. Niles
Cost of Living Index: 15% Below US Average
Median Home Prices: $118,000
Crime Index: 9% Below US Average
Location: Check on Google Maps
Located near the Indiana border, Niles is celebrated as one of the safe and affordable places to live in Michigan. Its vibrant community and historical sites create a welcoming environment, making it a great choice for families.
9. Marquette
Cost of Living Index: 10% Below US Average
Median Home Prices: $150,000
Crime Index: 12% Below US Average
Location: Check on Google Maps
Marquette offers a mix of safety and natural beauty, earning its place among the most affordable and safest places to live in Michigan. Outdoor enthusiasts are drawn to its hiking trails and Lake Superior views.
8. Escanaba
Cost of Living Index: 13% Below US Average
Median Home Prices: $130,000
Crime Index: 15% Below US Average
Location: Check on Google Maps
Known for its coastal vibe, Escanaba is a favorite among cheap and safe places to live in Michigan. Its scenic downtown and proximity to Lake Michigan offer a relaxed and secure lifestyle.
7. Midland
Cost of Living Index: 11% Below US Average
Median Home Prices: $140,000
Crime Index: 14% Below US Average
Location: Check on Google Maps
Midland, with its blend of safety and cultural attractions, stands out as one of the cheapest and safest cities in Michigan. Its gardens and arts scene provide an added touch of charm.
6. Alpena
Cost of Living Index: 16% Below US Average
Median Home Prices: $120,000
Crime Index: 13% Below US Average
Location: Check on Google Maps
Alpena’s serene lakeside setting makes it a standout among the safest and cheapest places to live in Michigan. It’s ideal for retirees and those seeking a quieter lifestyle.
5. Traverse City
Cost of Living Index: 8% Below US Average
Median Home Prices: $200,000
Crime Index: 16% Below US Average
Location: Check on Google Maps
Traverse City is a mix of affordability and natural beauty. Its cherry festivals and lakefront charm put it firmly among safe and affordable places to live in Michigan.
4. Adrian
Cost of Living Index: 14% Below US Average
Median Home Prices: $125,000
Crime Index: 17% Below US Average
Location: Check on Google Maps
Adrian offers historic charm and affordable housing, making it one of the cheapest and safest cities in Michigan. Its rich culture and strong community make it a must-consider location.
3. Holland
Cost of Living Index: 10% Below US Average
Median Home Prices: $185,000
Crime Index: 18% Below US Average
Location: Check on Google Maps
Holland, located near the shores of Lake Michigan, is widely recognized for its strong Dutch heritage and annual Tulip Time Festival, which draws visitors from around the globe.
This city boasts one of the most picturesque downtown areas in Michigan, with cobblestone streets, unique shops, and a variety of dining options. Residents enjoy the safety and peace of mind that come with living in one of the cheapest and safest cities in Michigan.
Beyond its aesthetic charm, Holland features excellent public schools, beautiful beaches like Holland State Park, and countless outdoor recreation opportunities.
With a moderate housing market and a below-average cost of living, it’s easy to see why Holland is one of the safe and affordable places to live in Michigan. Its vibrant community events and strong economy make it ideal for families and retirees alike.
2. Owosso
Cost of Living Index: 18% Below US Average
Median Home Prices: $120,000
Crime Index: 20% Below US Average
Location: Check on Google Maps
Owosso, located in the heart of Michigan, is a small city that perfectly blends affordability and community spirit. Known for its historical charm, Owosso features attractions like the Curwood Castle and several art galleries that add character to this quaint location.
This city often flies under the radar but remains a top choice for those seeking the cheapest and safest place to live in Michigan.
With a cost of living significantly below the national average and impressively low home prices, Owosso stands out as one of the most affordable and safest places to live in Michigan.
Its low crime rate and quiet streets make it particularly appealing to families and retirees. The local farmers’ market and community festivals create a warm, welcoming atmosphere for all residents.
1. Iron Mountain
Cost of Living Index: 20% Below US Average
Median Home Prices: $110,000
Crime Index: 22% Below US Average
Location: Check on Google Maps
Iron Mountain, located in Michigan’s Upper Peninsula, secures the top spot as the safest and cheapest place to live in Michigan.
This city is surrounded by breathtaking natural landscapes, offering a peaceful lifestyle that combines affordability with outdoor adventure. Residents can enjoy skiing at Pine Mountain, exploring hiking trails, or simply taking in the serene views of the Menominee River.
With a housing market that’s among the most affordable in the state, Iron Mountain is a favorite among retirees and outdoor enthusiasts alike. The community’s strong sense of safety is reflected in its low crime rate, making it one of the cheapest and safest cities in Michigan.
Additionally, the city’s small-town charm is complemented by a thriving local economy, supported by small businesses and tourism.
Frequently Asked Questions
1. What factors determine the cheapest and safest places to live in Michigan?
The rankings are based on factors such as the cost of living index, median home prices, crime rates, and overall community quality. These cities offer a balance of affordability and safety, making them ideal for families, retirees, and young professionals looking for the cheapest and safest place to live in Michigan.
2. Are these cities good for families?
Yes, many of these locations have low crime rates, excellent schools, and family-friendly amenities. Cities like Holland and Iron Mountain, in particular, are known for their strong community ties and outdoor recreation opportunities.
3. Why is Iron Mountain ranked #1?
Iron Mountain stands out due to its incredibly low cost of living, affordable housing, and one of the lowest crime rates in the state. It also offers a high quality of life with abundant outdoor activities, making it the safest and cheapest place to live in Michigan.
4. Are there job opportunities in these cities?
Many of the cheapest and safest cities in Michigan have strong local economies supported by industries like manufacturing, tourism, and small businesses. Holland, for example, has a thriving economy, while cities like Iron Mountain benefit from tourism and natural resource industries.
5. What recreational activities are available in these cities?
From outdoor adventures to cultural events, each city offers unique attractions. For example, Holland is famous for its Tulip Time Festival, Owosso features the historic Curwood Castle, and Iron Mountain provides excellent skiing and hiking opportunities.
6. Can retirees find affordable options in these cities?
Absolutely. Retirees will appreciate the affordability, safety, and quiet lifestyles offered by cities like Alpena, Escanaba, and Iron Mountain. Many of these locations are considered cheap and safe places to live in Michigan, ideal for those on a fixed income.
7. How can I find more information about these cities?
For more details, you can use tools like Google Maps to explore each city’s layout and amenities. You can also visit their official websites or local community pages to get insights into what makes them the most affordable and safest places to live in Michigan.