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MI area data

Harbor Springs, MI

Harbor Springs, MI.

Population: 7,197 (Census ACS)

The median home value in Harbor Springs, MI is $582,778 — up 11.3% over the past year. Homes sell for a median $617,500 after a median 32 days on market. 3 schools serve the area (NCES). FEMA's National Risk Index rates the county's overall natural-hazard risk Very Low, with coldwave the top-rated hazards. Cost of living is 3.8% below the US average (BEA, metro/state-level).

Backed by 25+ public sourcesFEMA · U.S. Census · NOAA · Dept. of Education · EPA · and more

$582,778

Median home value

+11.3%

1-year change

32

Median days on market

Very Low

Hazard risk (county)

Home values & appreciation

Median home value
$582,778
1-year appreciation
+11.3%
3-year appreciation
+11.0%
5-year appreciation
+28.8%
10-year appreciation
+101.7%
All-time peak (2026-04)
$584,923
House Price Index (state)
400.5 (+3.7% YoY)

Sources: home value index (ZIP-level) · FHFA House Price Index (state-level)

Market activity

Median sale price
$617,500
Median list price
$542,500
Median price per sqft
$290
Median days on market
32 days
Homes sold (recent period)
10
For-sale inventory
132
Sale-to-list ratio
96.1%
Active listings
9
New listings (monthly)
36

Source: recent area sales and market data (ZIP-level)

Rents

Studio fair-market rent
$1,015/mo
1BR fair-market rent
$1,021/mo
2BR fair-market rent
$1,336/mo
3BR fair-market rent
$1,592/mo
4BR fair-market rent
$1,756/mo

Sources: market rent index (ZIP-level) · HUD Fair Market Rents (metro/county-level, 40th-percentile regulatory reference)

Affordability

Cost of living index (Average)
96.2 (100 = US avg)
Electricity rate (state-level)
20.0¢/kWh
Natural gas rate (state-level)
$10.90/MCF
30-year mortgage rate (national)
7.40%
15-year mortgage rate (national)
6.73%

Sources: BEA Regional Price Parities (metro/state-level) · EIA energy rates (state-level) · Freddie Mac PMMS (national)

Schools

Total schools
3
Elementary schools
1
Middle schools
1
High schools
1
Avg student-teacher ratio
13.2 : 1
Schools include
Shay Elementary School, Harbor Springs High School, Harbor Springs Middle School

Source: NCES school directory, 2022-23 (school-address-based)

Natural hazards & flood risk

Overall hazard risk (county)
Very Low
Top hazards (county)
coldWave
Notable hazard ratings (county)
tornado: Relatively Low · coldWave: Relatively Moderate · landslide: Relatively Low · lightning: Relatively Low · inlandFlooding: Relatively Low
Wildfire risk to homes (county)
Higher than 11% of US counties
Buildings in wildfire direct-exposure zone
71.7%
Radon potential (county)
Moderate radon potential — EPA Zone 2 of 3
EPA Superfund (NPL) sites within 5 mi
None
Nearest Superfund site
Petoskey Municipal Well Field (12.5 mi)
EPA recommends radon testing for every home regardless of zone.

Sources: FEMA National Risk Index (county-level) · FEMA flood data (ZIP-level) · USDA Forest Service Wildfire Risk to Communities (county-level) · EPA radon zones + Superfund NPL

Climate (30-year normals)

Annual precipitation
33.5 in
USDA plant hardiness zone
5b (extreme annual low -15 to -10°F)

Sources: NOAA Climate Normals (30-year, nearest-station) · USDA Plant Hardiness Zone Map (2023)

Amenities

Airports within 30 mi
14
Nearest airport
Pellston Regional Airport of Emmet County Airport (PLN) (6 mi)
Nearest major airport
Pellston Regional Airport of Emmet County Airport (PLN) (6 mi)
Hospitals nearby (~15 mi)
4
Hospitals include
MCLAREN NORTHERN MICHIGAN, MUNSON HEALTHCARE OTSEGO MEMORIAL HOSPITAL, MACKINAC STRAITS HOSPITAL AND HEALTH CENTER
Avg hospital rating (CMS)
3.5 / 5
Best hospital rating nearby (CMS)
4.0 / 5
EV charging stations (within 10 mi)
11
Solar radiation rating
Fair (3.7 kWh/m²/day)

Sources: National Park Service · FAA airport data · CMS hospital data · DOE/NREL (proximity-based)

Migration

Net migration (county)
+5 tax filers

Source: IRS county-to-county migration data (county-level, ~12-month lag)

Housing stock

Median year housing built
1,984
Housing built before 1970
25.8%
Housing built 2000 or later
19.9%
Median annual property tax
$2,924
Mean commute to work
18 min
Households with broadband internet
75.0%

Source: Census ACS 5-year estimates (ZIP-level)

Employment & development

Total county employment
15,603
Average weekly wage
$1,115
Top industries (by employment)
Health Care, Accommodation & Food, Construction
Annual residential building permits (county)
135

Sources: BLS QCEW (county-level) · Census Building Permits (county-level)

How it compares

Harbor SpringsState medianUS median
Median home value$582,778$242,800$288,527
Median sale price$617,500$265,000$325,000
Median days on market32 days36 days51 days
Median annual property tax$2,924$2,175$2,006

State and US medians are computed across all US ZIP codes with sufficient public-data coverage, from the same sources as the figures above.

Area data compiled from public government, academic, and industry research feeds. Data sources →

Common questions

What is the median home value in Harbor Springs, MI?
$582,778.
What is the median sale price in Harbor Springs, MI?
$617,500.
How long do homes take to sell in Harbor Springs, MI?
Median days on market: 32 days.
What is typical rent in Harbor Springs, MI?
2-bedroom fair-market rent: $1,336/month (HUD FMR — a 40th-percentile regulatory reference, not market-observed).
What is the natural-hazard risk in Harbor Springs, MI?
Overall risk: Very Low (FEMA NRI, county-level). Top hazards: coldWave.
What is the wildfire risk in Harbor Springs, MI?
Risk to homes is higher than 11% of US counties (USDA Forest Service Wildfire Risk to Communities, county-level).
What is the radon potential in Harbor Springs, MI?
Moderate radon potential — EPA Zone 2 of 3, county-level. EPA recommends testing every home regardless of zone.
Are there Superfund sites near Harbor Springs, MI?
No current or proposed National Priorities List sites within 5 miles (EPA).
How many schools serve Harbor Springs, MI?
3 schools (1 elementary, 1 middle, 1 high) (NCES, 2022-23).
What is the cost of living in Harbor Springs, MI?
Regional Price Parity: 96.2 (100 = US average) (Average) (BEA RPP, metro/state-level).

ZIP code for Harbor Springs

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Data last updated

Most recent source refresh: Oct 2026. See all data sources →

Data compiled by REAIGENT7 — AI listing platform for real estate agents