C+

Gwinn, MI

Source:

Affordability Score: 60/100

Population: 7,016 · 1 ZIP codes

The affordability dashboard for Gwinn, MI aggregates Census ACS 5-Year Estimates across 1 ZIP code covering 7,016 residents, then layers in county-level federal data to produce an overall grade of C+ (60/100). The headline inputs are median household income of $60,568, median home value of $166,800, median rent of $767 per month, and 24.2% 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 $1,137 per month (studio $784, 1BR $973, 3BR $1,363, 4BR $1,665). Department of Labor data lists infant center-based childcare at $7,417 per year, consuming 12% 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 Gwinn, MI include housing. Pressure points are education. Unemployment currently reads 3.8% and poverty 11.9% — numbers worth keeping alongside the headline grade.

Score Breakdown

Income D
$60,568
Median household income
Education F
24.2%
Bachelor's degree or higher
Housing B+
2.8x
Home value $166,800 vs income
Commute C+
23 min
Average commute time
Rent B
$1,137/mo
2BR fair market rent (23% of income)
Safety N/A
N/A
Violent crime rate (county)
Childcare C+
$7,417/yr
Center-based infant care (12% of income)

Income & Employment

Median Income
$60,568
▼ 2% vs national
Per Capita Income
$29,811
Unemployment Rate
3.8%
Poverty Rate
11.9%

Housing

Median Home Value
$166,800
▼ 39% vs national
Median Rent
$767/mo
Owner Occupied
71.2%
2BR Fair Market Rent
$1,137/mo
▼ 5% vs national

Fair Market Rents by Bedroom

Studio
$784
1BR
$973
2BR
$1,137
3BR
$1,363
4BR
$1,665

Safety

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

Education & Family

Bachelor's Degree+
24.2%
▼ 6 ppt vs national
High School+
54.2%
Median Age
44.3
Avg. Commute
23 min
▼ 3 min vs national

Childcare Costs

Infant (Center)
$7,417/yr
12% of income
Toddler (Center)
$7,530/yr
Preschool (Center)
$7,530/yr
School-Age (Center)
$7,259/yr

What This Means

Gwinn, MI receives an overall affordability grade of C+ (60/100), aggregated from 1 ZIP codes with a total population of 7,016. This area performs well in housing. Challenges include education. Data was unavailable for safety — these dimensions were excluded from the overall score.

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What are common questions about this dashboard?

Is Gwinn, MI affordable?
Gwinn, MI receives an overall affordability grade of C+ (60/100) based on Census, HUD, FBI, and DOL data. Median household income is $60,568. Median home value is $166,800.
What is the cost of living in Gwinn?
Key cost metrics: Median rent $767/mo. 2BR fair market rent $1,137/mo. Infant childcare $7,417/yr. Median home value $166,800.
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 →