Mackinac County, MI Average Home Price (2026)
The average home price in Mackinac County, Michigan is about $235,500 (the 2026 median across 10 ZIP codes, at ~$235/sq ft) — 3% more affordable than the Michigan median and 19% more affordable than the typical U.S. home.
How Mackinac County compares
Mackinac County is about average for housing nationally: its typical home costs $235,500 against $244,000 for Michigan and $289,000 for the U.S. Within the county, ZIP-level values run from about $199,000 to $506,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Mackinac County | $235,500 | $235 |
| Michigan | $244,000 | $187 |
| United States | $289,000 | $193 |
Mackinac County home prices by ZIP code
The 10 most valuable ZIP codes in Mackinac County (of 10 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 49757 Mackinac Island | $506,000 | $438 | +115% |
| 49775 Pointe Aux Pins | $410,000 | $216 | +74% |
| 49719 Cedarville | $332,000 | $319 | +41% |
| 49781 Saint Ignace | $248,000 | $192 | +5% |
| 49745 Hessel | $241,000 | $312 | +2% |
| 49760 Moran | $230,000 | $255 | -2% |
| 49820 Curtis | $227,000 | $232 | -4% |
| 49838 Gould City | $215,000 | $181 | -9% |
| 49762 Naubinway | $205,000 | $237 | -13% |
| 49827 Engadine | $199,000 | $221 | -15% |
Home value appreciation in Mackinac County
Home prices in Mackinac County have risen about 81% over the last 10 years (≈6.1% a year) and +67.4% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at -6.1% — a recent dip. A home worth $235,500 today was worth roughly $130,182 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Michigan is +96.7% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Mackinac County
Run the numbers for Mackinac County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Mackinac County
To buy the typical $235,500 home in Mackinac County with 20% down, you need a household income of roughly $64,000 a year (about $1,500 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $76,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $11,800 | $1,860/mo | $80,000/yr |
| 10% (+PMI) | $23,600 | $1,780/mo | $76,000/yr |
| 20% | $47,100 | $1,500/mo | $64,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Mackinac County
At about $235 per square foot, here is roughly how much home different budgets get you in Mackinac County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 640 sq ft | below the local median — condos, smaller or older homes |
| $200k | 850 sq ft | around the typical home here |
| $250k | 1060 sq ft | around the typical home here |
| $300k | 1280 sq ft | around the typical home here |
| $400k | 1700 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to Michigan.
Estimate a specific home in Mackinac County
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Mackinac County home prices: frequently asked
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Browse all Michigan cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.