countyscore
55.2
County Score
Water Quality 86Income & Jobs 79.3Health 79.3

County Report Card

About Charlevoix County, Michigan

Charlevoix County leads national rankings

Charlevoix County boasts a composite score of 55.2, comfortably exceeding the national median of 50.0. This puts the county in the upper echelon of livability across the United States.

A premier Michigan destination

With a score of 55.2, Charlevoix sits well above the Michigan state average of 47.1. It ranks as one of the most desirable counties in the state, fueled by exceptional environmental and economic data.

Exceptional water and high incomes

The county achieves an elite water score of 86.0 and an income score of 79.3. High household incomes of $76,495 and a health score of 79.3 create a high-functioning community with excellent resources.

Affordability is the main hurdle

The cost score of 31.3 is the county's lowest mark, driven by a median home value of $242,800. While taxes are moderate, the entry price for housing remains higher than much of the rest of the state.

Perfect for affluent families and retirees

Charlevoix County is a top-tier choice for those who can afford the higher housing costs. It offers a safe, healthy, and economically vibrant lifestyle that few other Michigan counties can match.

Score breakdown

Tax38.7Cost31.3Safety66.1Health79.3Schools45.5Income79.3Risk77.7Water86Weather51
🏛38.7
Property Tax
Effective property tax rate vs national benchmarks
TaxByCounty →
🏠31.3
Cost of Living
Median rent, home values, and housing affordability
CostByCounty →
💼79.3
Income & Jobs
Median household income and per capita earnings
IncomeByCounty →
🛡66.1
Safety
Violent and property crime rates per 100K residents
CrimeByCounty →
❤79.3
Health
Life expectancy, uninsured rates, and health access
HealthByCounty →
🎓45.5
Schools
Graduation rates, per-pupil spending, and attainment
SchoolsByCounty →
⚡77.7
Disaster Risk
FEMA National Risk Index — flood, fire, tornado, and more
RiskByCounty →
💧86
Water Quality
EPA drinking water health violations and safety grades
WaterByCounty →
🌤51
Weather & Climate
Average temperatures, precipitation, and extreme weather events
WeatherByCounty →
🪨53.8
Soil Quality
Soil composition, pH, drainage, and organic matter content
SoilByCounty →
🌱64.5
Lawn Care
Lawn difficulty score based on climate, soil, and grass suitability
LawnByCounty →
🛒
Farmers Markets
Local market density, SNAP/EBT acceptance, and product variety
MarketsByCounty →
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Deep Dives

Charlevoix County across the ByCounty Network

Detailed analysis from 10 data dimensions — each powered by a dedicated ByCounty site.

Property Tax in Charlevoix County

via TaxByCounty

Charlevoix County taxes below national median

Charlevoix County's effective tax rate of 0.992% sits comfortably below the national median of 1.09%, placing it in roughly the 45th percentile nationally. The median annual tax of $2,408 falls below the national median of $2,690, supported by a median home value of $242,800.

Low-tax county by Michigan standards

Charlevoix County's 0.992% rate ranks well below Michigan's state average of 1.166%, making it one of the state's more affordable tax environments. The median annual tax of $2,408 exceeds Michigan's median of $2,102 due to higher home values, but the rate itself remains favorable.

Moderately taxed in Northwest Michigan

Charlevoix County's 0.992% rate falls between Benzie (0.833%) and Cheboygan (0.927%), making it a middle option in the popular Northern Michigan region. It significantly undercuts Bay (1.632%) and Calhoun (1.498%) counties.

What your home tax bill looks like

On Charlevoix County's median home value of $242,800, the 0.992% rate translates to approximately $2,408 in annual property taxes. Homeowners with mortgages pay $2,430, while those without mortgages pay $2,374.

Consider appealing your assessment

Charlevoix County homeowners should still verify that their assessments reflect current market values. Filing an appeal during Michigan's March-June window costs nothing and could provide meaningful savings.

Full property tax analysis on TaxByCounty

Cost of Living in Charlevoix County

via CostByCounty

Charlevoix Offers Rare Affordability Edge

Renters in Charlevoix County spend just 14.6% of income on housing—the lowest ratio among surveyed counties and meaningfully below Michigan's state average of 16.3%. Supported by a $76,495 median income (above the national norm of $74,755), Charlevoix delivers genuine housing relief despite premium coastal positioning.

Michigan's Most Affordable County Here

Charlevoix County claims the best rent-to-income ratio (14.6%) among all eight surveyed Michigan counties, paired with the state's second-highest median income of $76,495. This combination positions Charlevoix as a housing-affordability standout, despite its scenic northern location.

Premium Incomes, Reasonable Rent Burden

Charlevoix's $929 rent ranks mid-high among peers, but its exceptional income ($76,495) and resulting 14.6% burden beat all competitors—even Bay ($809 rent but 16% burden). The county attracts higher-earning households whose incomes buffer housing costs effectively, creating parity with inland communities.

Income Strength Drives Affordability

Charlevoix renters allocate $929 monthly (14.6% of income), while homeowners spend $1,081 (17.0%), reflecting the county's higher home values ($242,800). Despite premium ownership costs, the strong $76,495 median income makes both rent and mortgage proportionally manageable compared to lower-income peers.

Charlevoix for Affluent Seekers

If your household earns $75,000+, Charlevoix County delivers the region's best affordability ratio (14.6%) alongside premium amenities and coastal access. Compare Charlevoix's rent burden against lower-income Calhoun (18.6%) or Branch (17.4%)—income advantage transforms housing affordability into genuine advantage here.

Full cost of living analysis on CostByCounty

Income & Jobs in Charlevoix County

via IncomeByCounty

Charlevoix County meets national income

Charlevoix County's median household income of $76,495 exceeds the U.S. median of $74,755 by nearly $1,740. This positions Charlevoix above national benchmarks and among the country's stronger earners.

Well above Michigan average

At $76,495, Charlevoix County outpaces Michigan's county median of $64,304 by over $12,000, or 19%. This substantial lead places Charlevoix among Michigan's top-earning counties.

Charlevoix leads northern Michigan

Charlevoix County's $76,495 is the highest among all measured northern and regional counties, exceeding Benzie County ($72,603) by over $3,800. This leadership reflects Charlevoix's strong regional economic position.

Premium housing matched by premium income

Although Charlevoix's median home value of $242,800 is among the highest measured, the rent-to-income ratio of 14.6% remains the lowest of all counties. Strong income-to-cost alignment allows households genuine financial flexibility.

Maximum wealth-building opportunity

Charlevoix County households earning $76,495 with the lowest housing-cost burden of any measured county enjoy ideal conditions for aggressive wealth building. Diversified investments, retirement maximization, and wealth transfers become genuinely accessible.

Full income & jobs analysis on IncomeByCounty

Safety in Charlevoix County

via CrimeByCounty

Charlevoix County Ranks Among the Safest

With a total crime rate of 794.7 per 100,000, Charlevoix is one of the safest counties in the nation. Its safety score of 98.7 far outshines the national average.

Leading the State in Public Safety

Charlevoix County’s safety score of 98.7 easily beats the Michigan average of 97.8. Its crime rate is nearly half the state average of 1,371.8 per 100,000 residents.

Consistent Low Crime in Northern Michigan

Charlevoix shares a similarly low crime profile with Benzie County, both seeing under 850 incidents per 100,000. It is significantly safer than southern counties like Branch or Bay.

Low Risk Across All Crime Categories

Violent crime is quite low at 225.4 per 100,000, and property crime is remarkably low at 569.3. These figures are a fraction of the national property crime rate of 2,015.7.

Maintain the County’s High Safety Standards

Even in such a safe area, basic home security like motion sensors is a wise precaution. These tools help ensure that Charlevoix remains a low-crime leader in Michigan.

Full safety analysis on CrimeByCounty

Health in Charlevoix County

via HealthByCounty

Charlevoix leads Michigan in health outcomes

At 78.0 years, Charlevoix County's life expectancy nearly matches the U.S. average of 78.9 years and exceeds Michigan's average by 1.7 years, positioning it among the nation's healthier counties. Just 15.9% report poor or fair health, below the national average of 15%, reflecting sustained health management and preventive care.

Charlevoix ranks among Michigan's finest

Charlevoix County's life expectancy of 78.0 years places it 1.7 years above Michigan's average of 76.3 years, putting the county in Michigan's top tier for longevity. The county's 6.2% uninsured rate matches its health performance, falling below the state average of 6.4% and ensuring stable coverage access.

Charlevoix outpaces all regional peers

Charlevoix's 78.0-year life expectancy leads all eight counties by significant margins—2.6 years ahead of Branch and 1.9 years ahead of Bay—a remarkable advantage. With 84 primary care providers per 100K, Charlevoix matches the highest regional capacity and provides the infrastructure necessary for excellent population health.

Robust provider network ensures access

Charlevoix County boasts 84 primary care providers per 100,000 residents and 321 mental health providers per 100K, among the strongest capacity in this region and supporting comprehensive prevention and treatment. The combination of excellent provider access and strong insurance coverage (6.2% uninsured) enables residents to maintain health advantages.

Maintain coverage excellence

Charlevoix's 6.2% uninsured rate is among Michigan's lowest, but ensuring continuous coverage protects your health advantage. Visit healthcare.gov or contact Charlevoix Community Health to confirm coverage options and take advantage of free preventive services that sustain the county's excellent health outcomes.

Full health analysis on HealthByCounty

Schools in Charlevoix County

via SchoolsByCounty

Small Districts, Large Educational Footprint

Charlevoix County serves 3,329 students through 15 public schools spread across eight school districts. The system is unique for its high number of high schools (six) and other specialized facilities compared to its elementary school count.

High Investment and Competitive Results

The county invests heavily in its students with a per-pupil expenditure of $8,544, well above Michigan’s average of $7,394. This investment supports an 83.5% graduation rate, which exceeds the state average and approaches national levels.

Prominent Districts and Charter Options

Boyne City Public Schools is the largest district, serving 1,288 students, followed by Charlevoix Public Schools with 806. Charter schools play a notable role here, representing over 13% of the county's public school facilities.

Intimate Learning in Town Settings

Schools are split almost evenly between town and rural locales, with an average school size of just 222 students. Boyne City High School is the largest facility, yet even there, enrollment is capped at a modest 450 students.

Building a Future in Charlevoix

For buyers seeking high-spending districts and small class sizes, Charlevoix is a standout Michigan destination. Explore properties in Boyne City or Charlevoix to find a home that grants access to these well-funded community schools.

Full schools analysis on SchoolsByCounty

Disaster Risk in Charlevoix County

via RiskByCounty

Charlevoix County: Exceptionally Safe

Charlevoix County's composite risk score of 22.33 places it among the nation's safest counties, well below the national average and earning a Very Low risk rating. The score reflects minimal exposure to earthquakes (4.36), hurricanes (17.73), and most other major hazards. This exceptional positioning makes Charlevoix one of America's most disaster-resistant communities.

Michigan's Lowest-Risk County

At 22.33, Charlevoix County ranks as Michigan's lowest-risk county in this assessment, less than half the state average of 49.56. The county stands as a model of natural disaster safety within Michigan. Few communities in the state enjoy this level of protection from natural hazards.

Tied for Regional Safety

Charlevoix County (22.33) nearly matches neighboring Benzie County (22.71) as the safest counties in northern Michigan, both far exceeding the safety standards of other regional counties. This shared northern location provides both counties with exceptional natural hazard resistance. Together, they represent Michigan's most secure communities.

Minimal Hazard Exposure

Flood risk is Charlevoix's highest concern at 32.32, still well below state averages and reflecting occasional heavy rainfall rather than widespread water hazards. Wildfire (16.22) and tornado (20.67) risks rank very low compared to other Michigan counties. The county's overall hazard profile is remarkably benign.

Maintain Basic Insurance

While Charlevoix County faces exceptional low risk, standard homeowners insurance and annual policy reviews remain important for protecting your investment. Keep a basic emergency kit and weather radio available for rare severe weather events. Your fortunate geographic position should encourage prevention-minded maintenance rather than extensive disaster preparation.

Full disaster risk analysis on RiskByCounty

Weather & Climate in Charlevoix County

via WeatherByCounty

A True Northern Michigan Climate

Charlevoix County averages 45.7°F annually, placing it nearly 10 degrees below the national median. This region is defined by its dramatic winter transformation and cool lakeside summers.

Perfectly Matching the Michigan Average

The county's 45.7°F average temperature matches the state mean exactly. However, its 111.4 inches of snow is vastly higher than many other Michigan counties.

A Leader in Annual Snowfall

With 111.4 inches of snow, Charlevoix is one of the snowiest places in the Lower Peninsula. It receives nearly 20 inches more snow than neighboring Benzie County.

Cold Winters and Mild Summers

Winter temperatures average a chilly 24.3°F, while summers are brief with a 66.9°F average. Despite the northern location, it still reaches 90°F about 8 times per year.

Prepare for Intense Winter Maintenance

Residents require heavy-duty snowblowers or plowing services to manage 9 feet of snow. Structural roof checks are recommended due to the heavy snow loads typical of this region.

Full weather & climate analysis on WeatherByCounty

Soil Quality in Charlevoix County

via SoilByCounty

Classic Spodosols of the North

Charlevoix County’s soil belongs to the Spodosol order, typical of forested northern regions, with an average pH of 5.24. This acidity is standard for Michigan and supports a soil score of 53.8. These soils are historically significant for their distinct layers and cool-climate development.

Gravelly Sand for Superior Drainage

The dominant texture is gravelly sand, consisting of 60.6% sand and 10.9% clay. This coarse mix means the soil doesn't get compacted easily and provides plenty of air to plant roots. Silt accounts for 20.4%, adding a fine-grained component to the rocky base.

Exceptional Organic Matter Levels

The organic matter content is a high 15.32%, providing a deep well of nutrients for local flora. Its available water capacity of 0.167 in/in is modest, meaning the soil can dry out if not monitored. This profile is excellent for native plants and specialized agriculture.

Excessively Drained and High-Flow Soils

These soils are classified as 'somewhat excessively drained' and belong to Hydrologic Group A. Water moves through the gravelly sand very quickly, making the area resistant to flooding. This rapid drainage is a major factor for building and road construction in the county.

Cool-Climate Gardening in Zone 5b

As a zone 5b region, Charlevoix is perfect for cool-weather crops like kale, peas, and potatoes. The gravelly, sandy soil is especially good for lavender and other herbs that hate 'wet feet.' Embrace the northern growing season with a garden designed for fast drainage.

Full soil quality analysis on SoilByCounty

Lawn Care in Charlevoix County

via LawnByCounty

Cooler Conditions in Charlevoix County

Charlevoix County scores 64.5 on the lawn difficulty scale, making it slightly easier to manage than the state average. In USDA Hardiness Zone 5b, your lawn faces colder winters but fewer summer heat stresses than southern Michigan. This score reflects a generally favorable environment for northern grass varieties.

Moderate Rain and Cool Summers

You receive 34.3 inches of annual rain, which is very close to the state average. With 8 extreme heat days and 2,234 growing degree days, the pace of growth is steady without being overwhelming. These cooler conditions are ideal for maintaining lush, green turf without constant irrigation.

Navigating Gravelly, Acidic Soil

Your soil is classified as gravelly sand and is somewhat excessively drained, meaning water moves through it very quickly. The pH is 5.24, which is below the 6.0-7.0 ideal and will require lime to support healthy growth. Because of the gravelly texture and 60.6% sand, you should apply fertilizer in small, frequent doses.

High Natural Moisture Levels

Charlevoix County has experienced 0 weeks in drought over the past year and is currently 0% abnormally dry. This consistent moisture is a major advantage for local homeowners, reducing the need for expensive irrigation systems. However, your well-drained gravelly soil means you should still monitor for wilt during rare dry weeks.

Short Window for Northern Grasses

Fine Fescues and Kentucky Bluegrass are excellent choices for the 5b hardiness zone and your 8 annual heat days. Your growing season is condensed, beginning after the May 23rd frost and ending by October 19th. Aim to complete all major seeding projects by early September to beat the northern Michigan chill.

Full lawn care analysis on LawnByCounty

Frequently Asked Questions

What is Charlevoix County's county score?
Charlevoix County, Michigan has a composite county score of 55.2 out of 100 on CountyScore. This score is calculated from a weighted average of available data dimensions including property tax, cost of living, income, safety, health, and schools.
How does Charlevoix County rank among counties in Michigan?
Charlevoix County ranks #15 among all counties in Michigan on CountyScore's composite ranking. Rankings are based on available data dimensions and updated as new data is added.
What are property taxes like in Charlevoix County, Michigan?
The median annual property tax in Charlevoix County is $2,408, with an effective tax rate of 0.99%. This earns Charlevoix County a tax score of 38.7/100 on CountyScore (higher = lower taxes).
What is the median household income in Charlevoix County?
The median household income in Charlevoix County, Michigan is $76,495 per year according to U.S. Census Bureau data. Charlevoix County earns an income score of 79.3/100 on CountyScore.
Is Charlevoix County, Michigan a good place to live?
Charlevoix County scores 55.2/100 on CountyScore's overall county ranking, ranking #15 in Michigan. The best way to evaluate Charlevoix County is to compare individual dimension scores — property tax, cost of living, income, safety, health, and schools — based on your personal priorities. Use CountyScore to compare Charlevoix County with other counties side by side.

ByCounty Network

🏛Property Tax🏠Cost of Living💼Income & Jobs🛡Safety❤Health🎓Schools⚡Disaster Risk💧Water Quality🌤Weather & Climate🪨Soil Quality🌱Lawn Care🛒Farmers Markets

Data from U.S. Census Bureau ACS, FBI UCR, CDC, FEMA NRI, NCES, EPA SDWIS, NOAA — informational only.