Cost of Living in Paw Paw Lake, MI

Population 3,794 · Michigan · Data vintage 2023

73
Cost Index
(100 = US avg)
Page updated: · Data vintage: 2023 ACS 5-Year
Sources: Census ACS·BLS·NOAA·EPA·Zillow · Methodology

Buyers in Paw Paw Lake can reasonably expect a home to cost less than three years of household income — $191,000 against $65,360 in typical earnings — a ratio that has collapsed to 5:1 or worse in much of the country. Around 23% of residents live below the federal poverty line, a rate that tends to correlate with the income and housing figures above.

Located 35 miles north of South Bend, Paw Paw Lake falls within that metro's commuting orbit. Median home values run roughly 53% higher than South Bend's $125,000.

Cost Overview

Housing 63
Rent 88

Scale: 100 = US national average. Green < 90, Red > 110.

About the Cost of Living in Paw Paw Lake

The median home value in Paw Paw Lake is $191,100 — 37% below the national median of $305,000. Median rent runs $1,151/month, 12% lower than the national median of $1,314/month. The median household income of $65,360/year is 12% lower than the US median of $74,580. The local unemployment rate is 5.7%, above the national average of 4.8%. Michigan's top state income tax rate is 4.3% and the combined sales tax is 6.0%. The climate averages highs of 58.9°F and lows of 40.6°F. Overall, Paw Paw Lake has a cost of living index of 73 versus the US average of 100, meaning it is 27% less expensive.

🏠 Housing

Median Home Value
$191,100
37% below avg
Median Rent
$1,151/mo
12% below avg
Price-to-Rent Ratio
13.8x
Favors buying
Property Tax Rate
1.5%
Effective rate

HUD Fair Market Rents by Bedroom

Studio
$707
1 BR
$780
2 BR
$962
3 BR
$1,290
4 BR
$1,444
Owner-occupied 73.1%
Renter-occupied 26.9%

💰 Estimated Monthly Budget

Rent median rent
$1,151
Groceries national estimate
$400
Utilities local estimate
$88
Transportation local gas prices
$126
Estimated Total $1,765/mo

Estimates based on median data and national averages. Actual costs vary.

🛒 Food & Groceries

National BLS average prices (2023). Local prices may vary.

🥚
Eggs (dozen)
$0.548
🍞
White Bread (lb)
$1.912
🥩
Ground Beef (lb)
$5.61

🚗 Transportation

Avg Commute
31.2 min
16% above avg
Gas Price
$3.145/gal
0% below avg
Work From Home
6.6%

Commute Mode

Drove alone
78.7%
Carpooled
11.2%
Public transit
1.2%
Walked
2.4%
Work from home
6.6%

Utilities

Electricity
$0.176/kWh
0% below avg

📋 Taxes

State Income Tax (flat) 4.3%
Total Sales Tax 6.0%
State rate 6.0%
Avg local rate 0.0%
Property Tax 1.5%

💼 Income & Employment

Median Household Income
$65,360
12% below avg
Per Capita Income
$34,809
Unemployment Rate
5.7%
18% above avg
Poverty Rate
22.9%
Labor Force Participation
55.3%

🎓 Education

Bachelor's degree+ 16.0%
Graduate degree 12.4%

👥 Demographics

Median Age 40.2
Male median age 34.3
Female median age 43.4

🌤 Climate

NOAA 1991–2020 Climate Normals

Avg High
58.9°F
Avg Low
40.6°F
Annual Precip
35"
20° 38° 55° 73° 90° JFMAMJJASOND High Low Precip
Month JanFebMarAprMayJunJulAugSepOctNovDec
High °F 333646586978828074624938
Low °F 202228374757616052433426
Precip" 1.991.602.023.253.783.043.173.613.624.162.742.02

💨 Air Quality

EPA AQS 2023 — county-level monitoring data

Median AQI 42 — Good
74.2%
Good air days/yr
143
Max AQI recorded
0
PM2.5 days
244
Ozone days

Frequently Asked Questions

What is the cost of living in Paw Paw Lake, MI?

Paw Paw Lake has a cost index of 73 (100 = national average). It is 27% below the national average.

What is average rent in Paw Paw Lake, MI?

The median gross rent in Paw Paw Lake is $1,151 per month based on 2023 Census data.

What is the average home price in Paw Paw Lake?

The median home value in Paw Paw Lake is $191,100 according to 2023 Census ACS data.

What is the median income in Paw Paw Lake?

The median household income in Paw Paw Lake is $65,360 per year (2023 ACS 5-year estimates).

What is the sales tax in Paw Paw Lake, MI?

The combined state and local sales tax rate in Paw Paw Lake is 6.0%. The Michigan state income tax top rate is 4.3%.

Is Paw Paw Lake, MI affordable?

Yes, Paw Paw Lake is generally considered affordable, with a cost of living index of 73 — about 27% below the US national average of 100.

What is the weather like in Paw Paw Lake?

Paw Paw Lake has average high temperatures of 58.9°F and average lows of 40.6°F. Annual precipitation is 35". Data from NOAA 1991–2020 Climate Normals.

Paw Paw Lake at a Glance

Population
3,794
Median Income
$65,360
Home Value
$191,100
Median Rent
$1,151/mo
Unemployment
5.7%
Avg High Temp
58.9°F
Sales Tax
6.0%
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