Roby Lake
Surrounded by nature
Median $310K·Walkability 0.0/10·Schools 4.3/10
What catches most people off guard about this stretch is that it sits right on the shoreline—Lake Michigan is essentially at your doorstep, which means you're dealing with genuine waterfront access rather than a drive to get there. The area spans 154 acres of lake country, and the nearest significant green space is the Manistee National Forest's White Cloud Unit, about a mile and a half inland, so you've got both water and forest within easy reach. It's remote enough that downtown Grand Rapids feels like a real trip (over two hours), but that distance is exactly the point—this is the kind of place where isolation and lake access define everything, not the other way around.
Why people love it here
Lake life
- Roby Lake within walking distance
- Gillen Springs Lake: 12 min drive
- Orchard Lake: 19 min drive
$310K median
- 1 recent sale
Lake facts
MI DNRDepth, fish species, and motor restrictions sourced from MI DNR — coming soon.
Conventional Mortgage Calculator
Median home price in Roby Lake
Estimated Monthly Payment
$2,105/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.
Flood Risk
None
Not in flood zone
Nearest Park
Big Star Lake Public Access
1.8 mi
Parks Nearby
0
within 1 mile
Based on 3 rated schools nearby
Range: 3/10 to 5/10
School District: Mason County Central Schools
Walkability
Car-dependent
Overall walkability score out of 10
Based on actual walk/bike/drive times to nearby amenities via Mapbox
Gillen Springs Lake
Crime in Roby Lake 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 Lake County.
Lake County crime & safety stats →To buy a median-priced Roby Lake home (around $310,000) at today's 6.49% 30-year fixed rate with 20% down, you'd need roughly $55k/year in household income to qualify — an estimated monthly payment of $2,062 (principal, interest, property tax est., and insurance).
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $2,062/mo | $54,984 |
| 10% (+PMI) | $2,374/mo | $63,304 |
| 5% (+PMI) | $2,478/mo | $66,086 |
Estimates use a 6.49% 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
~$893/yr in electricity from a typical rooftop solar system
Produces ~6,251 kWh/yr · offsets ~60% of a typical home's use
Utility, solar, and service details for Roby Lake 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.
Frequently asked about Roby Lake
- What do homes cost in Roby Lake?
- The median home value in Roby Lake is about $310,000. Individual prices vary by street, size, and condition.
- How active is the Roby Lake housing market?
- there is 1 home for sale in Roby Lake right now, and 1 home sold here in the last 12 months. Listings refresh throughout the day from the MichRIC MLS.
- What schools serve Roby Lake?
- Roby Lake is served by Mason County Central Schools. Its highest-rated assigned school is Mason County Central HS (5/10).
- Is Roby Lake walkable?
- Roby Lake scores 0.0/10 for walkability — a measure of walking, biking, and driving access to groceries, dining, parks, schools, and transit.
Top contributors in Roby Lake
Detailed statistics are being computed for this location. Demographics, home values, schools, flood risk, and more will appear here automatically.