Everything You Should Know Before Moving to Harbor Point, MI
Considering a move to Harbor Point, MI? This charming lakeside community of about 520 residents features tranquil living, with a median home price around $315,000 and average rents of $1,250. Enjoy a low violent crime rate (88 per 100K), short 19-minute commutes, and a high owner-occupancy rate. While winters are snowy and crisp, Harbor Point boasts inviting summers, quality public schools, and convenient access to healthcare in nearby Petoskey. Explore the relaxed pace and natural beauty that make this a unique destination for movers.
Demographics - Harbor Point, MI
Demographics - Harbor Point, MI
Harbor Point is a close-knit community of about 520 residents, with a median age of 54.1, reflecting a mature population. The area is predominantly White, and the gender split is nearly even, fostering a welcoming small-town atmosphere.
Population:
520
Density:
95 per sq mi
Median Age:
54.1
Gender Ratio:
97 males per 100 females
Non-English Speakers Percentage:
3.5%
Ethnic Composition
White:
94.0%
Black:
1.2%
Asian:
0.7%
Others:
4.1%
Cost Of Living
What is the average cost of living in Harbor Point, MI?
The cost of living in Harbor Point is slightly below the national average, with a median home value of $315,000 and average rents around $1,250 per month. Affordable utilities and moderate state taxes contribute to making this lakeside town accessible for families and retirees alike.
Median House Value:
$315,000
Gross Rent:
$1,250
Monthly Electricity Charges:
$120
Auto Insurance:
$1,340
House Owner Cost With Mortgage:
$1,520
House Owner Cost Without Mortgage:
$500
State Taxes:
Low:
4.25%
|
High:
4.25%
Cost Of Living Index:
93.4
Grocery:
94.0
Housing:
88.5
Utilities:
97.5
Transportation:
91.3
Health Care:
93.7
Miscellaneous:
95.2
Crime
Is Harbor Point, MI a safe place to live?
Harbor Point enjoys a notably low violent crime rate—just 88 incidents per 100,000 people—making it a safe place to live. Property crime is also relatively uncommon, with residents experiencing a 1 in 119 chance annually.
Violent Crimes Per 100k:
88
Property Crimes Per 100k:
840
Crime Index:
928
Chance Of Violent Crime:
1 in 1,140
Chance Of Property Crime:
1 in 119
Weather
What is the weather like in Harbor Point, MI year-round?
Residents experience cold, snowy winters with temperatures ranging from 16°F to 28°F, while summers are mild and pleasant, peaking at 77°F. With 49% sunny days and about 32 inches of annual rainfall, the climate supports a variety of outdoor activities year-round.
Winter
Min:
16°F
Max:
28°F
Spring
Min:
35°F
Max:
56°F
Summer
Min:
57°F
Max:
77°F
Fall
Min:
39°F
Max:
60°F
Average Rainfall Inches:
31.7 inches
Sunny Days Percentage:
49%
Neighbors
Households in Harbor Point typically have an income of $72,400, and the community boasts a high educational attainment, with nearly 94% having a high school diploma or higher. The area maintains a low poverty rate and short average commute times, supporting a comfortable and stable lifestyle.
Median Income:
$34,200
Household Income:
$72,400
Family Income:
$87,000
Per Capita Income:
$39,000
Income Male:
$44,400
Income Female:
$32,900
Poverty Rate:
8.4%
Non English Speakers:
3.5%
Rent:
$1,250
Unemployment Rate:
4.7%
Public Transport Usage:
0.9%
Commute Time:
19.3 minutes
Education
High School or Higher:
93.9%
Bachelors or More:
38.5%
Education
How are the schools in Harbor Point, MI?
Families have access to quality public and private schools, such as Harbor Springs Middle School and St. Francis Xavier School, as well as higher education at North Central Michigan College just 11 miles away. The favorable student-teacher ratios support a personalized learning environment.
Public Schools
Name:
Harbor Springs Middle School
Street:
800 State Rd
Phone:
231-526-4760
Students:
320
Student Teacher Ratio:
15.6
Private Schools
Name:
St. Francis Xavier School
Street:
220 N Elm St
Phone:
231-347-3651
Students:
140
Colleges
Name:
North Central Michigan College
City:
Petoskey
State:
MI
Distance:
11 miles
Students:
2,700
Healthcare
Access to healthcare is strong, with 92.4% of residents insured and major medical facilities like McLaren Northern Michigan Hospital nearby. The town has a favorable ratio of physicians and a solid healthcare index, ensuring peace of mind for families and retirees.
Major Hospitals
Name:
McLaren Northern Michigan Hospital
Address:
416 Connable Ave, Petoskey, MI 49770
Phone:
(231) 487-4000
Type:
General & Surgical
Emergency Services:
Yes
Physicians Per 1000:
2.1
Health Insurance Coverage:
92.4%
Health Care Index:
76.2
Housing Market
What is the housing market like in Harbor Point, MI?
The housing market in Harbor Point is characterized by high owner occupancy at over 85%, with a median home price of $315,000. Home values have appreciated by 5.6% over the past year, making it an attractive option for buyers seeking long-term value.
Median Home Price:
$315,000
Average Rent For 2 Bedroom:
$1,250
Owner Occupied Rate:
85.3%
Rental Vacancy Rate:
7.8%
Home Appreciation Rate (1yr):
5.6%
New Construction Rate:
1.2%
Foreclosure Rate:
0.3%
DMV Information
Residents handle vehicle registration and licensing through the Michigan Secretary of State, with convenient access to online and in-person services. The department offers comprehensive resources for new arrivals at its Lansing headquarters and via its official website.
State:
Michigan
Department:
Michigan Secretary of State
Address:
430 W. Allegan Street, Lansing, MI 48918
Phone:
1-888-767-6424
Website:
Disclaimer: The information provided on this page is based on publicly available sources including AccuWeather, U.S. Census Bureau, local government data, and third-party partners such as Neustar. While we strive to ensure accuracy, all data is provided “as is” and should be independently verified before making any decisions. Movers.com makes no guarantees regarding the completeness or reliability of the information.