Ludington Area School District
Surrounded by nature
Median $350K
Why people love it here
Lake life
- Lake Michigan within walking distance
- 15 parks within 1 mile
$350K median
- 31 sales in last 12mo
Conventional Mortgage Calculator
Median home price in Ludington Area School District
Estimated Monthly Payment
$2,376/mo
Property tax and insurance are estimates you can edit — not a quote. Tap either figure to enter your own.
The interest rate shown is not an annual percentage rate (APR). Rate displayed is the current average 30-year fixed rate from the Freddie Mac Primary Mortgage Market Survey and is subject to change without notice. Your actual rate, payment, and costs may vary. Contact a loan officer for a personalized quote.
Guild Mortgage NMLS #3274. Equal Housing Opportunity. NMLS Consumer Access. Not a commitment to lend. All loans subject to underwriter approval; terms and conditions may apply. Subject to change without notice. Always consult an accountant or tax advisor for full eligibility requirements on tax deduction.
31 homes sold in Ludington Area School District this year. Thinking of selling?
See what your home is worthCrime in Ludington Area School District is reported at the city level, not the neighborhood level. The FBI doesn't publish reliable crime rates for individual neighborhoods, and within any community crime varies street to street. For an accurate, comparable picture, see the jurisdiction-wide figures for Mason County.
Mason County crime & safety stats →To buy a median-priced Ludington Area School District home (around $350,000) at today's 6.66% 30-year fixed rate with 20% down, you'd need roughly $63k/year in household income to qualify — an estimated monthly payment of $2,359 (principal, interest, property tax est., and insurance).
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $2,359/mo | $62,916 |
| 10% (+PMI) | $2,716/mo | $72,414 |
| 5% (+PMI) | $2,835/mo | $75,607 |
Estimates use a 6.66% 30-year fixed rate (current Freddie Mac average), an aggressive ~45% housing-to-income ratio (roughly what FHA underwriting can allow for a buyer with no other monthly debts — your number depends on your debts and credit), this area's median sale price, plus estimated insurance and PMI below 20% down. Not a commitment to lend, and not an APR — your actual rate and payment will vary.
Land for sale
Listings
42 parcels
Active / pending
Typical Land Value
$64K/acre
Median asking
Median Price
$80K
Per listing
Multifamily for sale
Listings
7 buildings
Active / pending
Median Price
$325K
Per building
Price Per Unit
$125K
Median
Who actually lends in Ludington Area School District, and how homes here are financed — from 2024 federal mortgage records.
Loans to buy a home
Most active lenders
Homeowners refinancing an existing mortgage
Most active lenders
Source: 2024 HMDA (CFPB/FFIEC). Neighborhood figures are area-weighted estimates from census-tract data; loan amounts are rounded and all-cash purchases are excluded.
🍕 Restaurants(5)
☕ Coffee(6)
+3 more within 5 miles
🍺 Bars(5)
+2 more within 5 miles
🚴 Trails(4)
+1 more within 5 miles
⚡ EV Charging(1)
EV Charging
Atlas — Grand Rapids Real Estate
Local real estate specialists
Questions about Ludington Area School District? Our team can help with availability, schools, and what it's really like to live here.
Frequently asked about Ludington Area School District
- What do homes cost in Ludington Area School District?
- The median home value in Ludington Area School District is about $350,000. Individual prices vary by street, size, and condition.
- How active is the Ludington Area School District housing market?
- there are 34 homes for sale in Ludington Area School District right now, and 31 homes sold here in the last 12 months. Listings refresh throughout the day from the MichRIC MLS.
Top contributors in Ludington Area School District
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