A-

Elberta, MI

Source:

Affordability Score: 83/100

Population: 372 · 1 ZIP codes

The affordability dashboard for Elberta, MI aggregates Census ACS 5-Year Estimates across 1 ZIP code covering 372 residents, then layers in county-level federal data to produce an overall grade of A- (83/100). The headline inputs are median household income of $114,375, median home value of $267,600, median rent of per month, and 35.8% of adults holding a bachelor's degree or higher. These four metrics alone explain most of the variance between city dashboards.

Cross-agency feeds widen the picture beyond Census demographics. HUD publishes a Fair Market Rent for a 2-bedroom in this county at $1,224 per month (studio $904, 1BR $937, 3BR $1,586, 4BR $1,720). Department of Labor data lists infant center-based childcare at $6,906 per year, consuming 6% of the local median household income.

Reading the overall grade requires reading all seven dimensions together. The score weights Income 20%, Safety 20%, Housing 15%, Rent 15%, Education 10%, Commute 10%, and Childcare 10%, with each sub-score benchmarked against national percentiles rather than state averages — so the grade is genuinely comparable across any city in the country. Strengths visible in the raw data for Elberta, MI include income, housing, rent, childcare. Unemployment currently reads 5.1% and poverty 0.0% — numbers worth keeping alongside the headline grade.

Score Breakdown

Income A
$114,375
Median household income
Education C+
35.8%
Bachelor's degree or higher
Housing A-
2.3x
Home value $267,600 vs income
Commute N/A
N/A
Average commute time
Rent A+
$1,224/mo
2BR fair market rent (13% of income)
Safety N/A
N/A
Violent crime rate (county)
Childcare A
$6,906/yr
Center-based infant care (6% of income)

Income & Employment

Median Income
$114,375
▲ 84% vs national
Per Capita Income
$64,773
Unemployment Rate
5.1%
Poverty Rate
0.0%

Housing

Median Home Value
$267,600
▼ 3% vs national
Median Rent
Owner Occupied
95.7%
2BR Fair Market Rent
$1,224/mo
▲ 2% vs national

Fair Market Rents by Bedroom

Studio
$904
1BR
$937
2BR
$1,224
3BR
$1,586
4BR
$1,720

Safety

Violent Crime Rate
Data Source
FBI UCR (county-level)

Education & Family

Bachelor's Degree+
35.8%
▲ 6 ppt vs national
High School+
63.6%
Median Age
53.0
Avg. Commute

Childcare Costs

Infant (Center)
$6,906/yr
6% of income
Toddler (Center)
$7,665/yr
Preschool (Center)
$7,665/yr
School-Age (Center)
$6,854/yr

What This Means

Elberta, MI receives an overall affordability grade of A- (83/100), aggregated from 1 ZIP codes with a total population of 372. This area performs well in income and housing and rent and childcare. Data was unavailable for commute, safety — these dimensions were excluded from the overall score.

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What are common questions about this dashboard?

Is Elberta, MI affordable?
Elberta, MI receives an overall affordability grade of A- (83/100) based on Census, HUD, FBI, and DOL data. Median household income is $114,375. Median home value is $267,600.
What is the cost of living in Elberta?
Key cost metrics: 2BR fair market rent $1,224/mo. Infant childcare $6,906/yr. Median home value $267,600.
How is the affordability score calculated?
The score evaluates 7 dimensions weighted by importance: Income (20%), Safety (20%), Housing (15%), Rent (15%), Education (10%), Commute (10%), and Childcare (10%). Each metric is compared against national percentile benchmarks from Census, HUD, FBI, and DOL data.

Data as of 2024. Source: U.S. Census Bureau ACS 5-Year Estimates. Source: HUD Fair Market Rents. Source: FBI Uniform Crime Report. Source: DOL National Database of Childcare Prices. Verify with HUD →