C

Reading, MI

Source:

Affordability Score: 58/100

Population: 3,670 · 1 ZIP codes

The affordability dashboard for Reading, MI aggregates Census ACS 5-Year Estimates across 1 ZIP code covering 3,670 residents, then layers in county-level federal data to produce an overall grade of C (58/100). The headline inputs are median household income of $58,087, median home value of $171,100, median rent of $809 per month, and 21.1% 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 $1,002 per month (studio $691, 1BR $764, 3BR $1,252, 4BR $1,327). Department of Labor data lists infant center-based childcare at $6,469 per year, consuming 11% 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 Reading, MI include rent. Pressure points are education. Unemployment currently reads 4.5% and poverty 20.1% — numbers worth keeping alongside the headline grade.

Score Breakdown

Income D
$58,087
Median household income
Education F
21.1%
Bachelor's degree or higher
Housing B-
2.9x
Home value $171,100 vs income
Commute D
27 min
Average commute time
Rent B+
$1,002/mo
2BR fair market rent (21% of income)
Safety N/A
N/A
Violent crime rate (county)
Childcare B-
$6,469/yr
Center-based infant care (11% of income)

Income & Employment

Median Income
$58,087
▼ 6% vs national
Per Capita Income
$31,144
Unemployment Rate
4.5%
Poverty Rate
20.1%

Housing

Median Home Value
$171,100
▼ 38% vs national
Median Rent
$809/mo
Owner Occupied
79.6%
2BR Fair Market Rent
$1,002/mo
▼ 16% vs national

Fair Market Rents by Bedroom

Studio
$691
1BR
$764
2BR
$1,002
3BR
$1,252
4BR
$1,327

Safety

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

Education & Family

Bachelor's Degree+
21.1%
▼ 9 ppt vs national
High School+
59.1%
Median Age
46.5
Avg. Commute
27 min
▲ 1 min vs national

Childcare Costs

Infant (Center)
$6,469/yr
11% of income
Toddler (Center)
$6,469/yr
Preschool (Center)
$5,354/yr
School-Age (Center)
$4,660/yr

What This Means

Reading, MI receives an overall affordability grade of C (58/100), aggregated from 1 ZIP codes with a total population of 3,670. This area performs well in rent. Challenges include education. Data was unavailable for safety — these dimensions were excluded from the overall score.

Nearby City Dashboards

Explore Reading ZIP Codes
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What are common questions about this dashboard?

Is Reading, MI affordable?
Reading, MI receives an overall affordability grade of C (58/100) based on Census, HUD, FBI, and DOL data. Median household income is $58,087. Median home value is $171,100.
What is the cost of living in Reading?
Key cost metrics: Median rent $809/mo. 2BR fair market rent $1,002/mo. Infant childcare $6,469/yr. Median home value $171,100.
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 →