Piney Ridge
Strong schools draw families here
Median $478K·Walkability 0.0/10·Schools 6.8/10
The pines crowd right up to the road here, so close you could reach out and touch them as you drive through—that's the whole character of the place right there. Out here on the western shore of Hamlin Lake, you've got maybe a dozen cottages and homes scattered along Piney Ridge Road, most with direct water access or shared beach rights, and plenty of them operate as seasonal rentals that bring in summer income. The lake itself is the anchor: some properties sit on 80+ feet of private frontage, and if you don't own waterfront, the association amenities and public access points keep the water close. Ludington State Park sprawls across the road to the east, so hiking trails and sand dunes are literally minutes away, and downtown Ludington—about 10 minutes south—has restaurants like the Perch that draw people from all over. It's small enough that you won't find much commerce here, just water, trees, and the kind of quiet that makes a rental property attractive to people looking for an escape.
Why people love it here
Ludington High School
- High — 4.1 mi away
- Ludington Area
- 3 rated schools in district
$478K median
- 3 sales in last 12mo
Conventional Mortgage Calculator
Median home price in Piney Ridge
Estimated Monthly Payment
$3,245/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.
3 homes sold in Piney Ridge this year. Thinking of selling?
See what your home is worthBased on 4 rated schools nearby
Range: 5/10 to 8/10
School District: Ludington Area School District
Walkability
Car-dependent
Overall walkability score out of 10
Based on actual walk/bike/drive times to nearby amenities via Mapbox
Unnamed beach
Lincoln Hills Golf Club
Crime in Piney Ridge 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 Piney Ridge home (around $478,000) at today's 6.66% 30-year fixed rate with 20% down, you'd need roughly $86k/year in household income to qualify — an estimated monthly payment of $3,222 (principal, interest, property tax est., and insurance).
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $3,222/mo | $85,925 |
| 10% (+PMI) | $3,709/mo | $98,897 |
| 5% (+PMI) | $3,872/mo | $103,258 |
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.
Solar potential
~$883/yr in electricity from a typical rooftop solar system
Produces ~6,179 kWh/yr · offsets ~59% of a typical home's use
Utility, solar, and service details for Piney Ridge are compiled from public records, municipal sites, and NREL / U.S. data.gov, and can change. Electric/gas can vary by address — confirm with the provider before relying on them.
🍕 Restaurants(5)
☕ Coffee(4)
+1 more within 5 miles
🍺 Bars(5)
+2 more within 5 miles
Atlas — Grand Rapids Real Estate
Local real estate specialists
Questions about Piney Ridge? Our team can help with availability, schools, and what it's really like to live here.
Frequently asked about Piney Ridge
- What do homes cost in Piney Ridge?
- The median home value in Piney Ridge is about $478,000. Individual prices vary by street, size, and condition.
- How active is the Piney Ridge housing market?
- no homes are listed in Piney Ridge right now, and 3 homes sold here in the last 12 months. Listings refresh throughout the day from the MichRIC MLS.
- What schools serve Piney Ridge?
- Piney Ridge is served by Ludington Area School District. Its highest-rated assigned school is Ludington High School (8/10).
- Is Piney Ridge walkable?
- Piney Ridge scores 0.0/10 for walkability — a measure of walking, biking, and driving access to groceries, dining, parks, schools, and transit.
Top contributors in Piney Ridge
Detailed statistics are being computed for this location. Demographics, home values, schools, flood risk, and more will appear here automatically.