S Madison St & S Washington Ave Area
Strong schools draw families here
3 homes for sale·Median $220K·Walkability 4.8/10·Schools 7.3/10
The view changes the moment you step out your door here—Lake Michigan is right there, close enough that the water becomes part of your everyday geography rather than something you plan a trip to see. Properties tend toward classic early-1900s character, with tall ceilings, solid woodwork, and the kind of bones that reward attention; corner lots are common, and most homes have detached garages and room to breathe on around 0.16-acre lots. The neighborhood sits just blocks from downtown, so a coffee run or dinner out means a genuine walk through the area rather than a drive, and when you want to skip the restaurant altogether, there are two dozen options within a mile. Ramps and Rails Skate Park is a two-minute walk if you've got kids or just want to see what's happening; beyond that, you're in a stretch where the street-level rhythm feels connected to both the water and the older commercial core, without feeling cramped. It's the kind of place where you can maintain a real home and still be close to everything.
Why people love it here
Ludington High School
- High — 1.2 mi away
- Ludington Area
- 3 rated schools in district
$220K median
- 5 sales in last 12mo
Notable nearby
Conventional Mortgage Calculator
Median home price in S Madison St & S Washington Ave Area
Estimated Monthly Payment
$1,494/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.
5 homes sold in S Madison St & S Washington Ave Area this year. Thinking of selling?
See what your home is worthBased on 3 rated schools nearby
Range: 7/10 to 8/10
School District: Ludington Area School District
Walkability
Fair
Overall walkability score out of 10
Based on actual walk/bike/drive times to nearby amenities via Mapbox
Timbers
+1 more
Ludington Harbor Cafe
+1 more
Pomorski's Tavern
+1 more
Ludington Farmer's Market
Copeyon Park
Unnamed playground
Pere Marquette Lake
Unnamed beach
Cartier Park Nature Trail
Epworth Heights Golf Course
AMC
Crime in S Madison St & S Washington Ave Area 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 S Madison St & S Washington Ave Area home (around $220,000) at today's 6.49% 30-year fixed rate with 20% down, you'd need roughly $39k/year in household income to qualify — an estimated monthly payment of $1,463 (principal, interest, property tax est., and insurance).
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $1,463/mo | $39,021 |
| 10% (+PMI) | $1,685/mo | $44,925 |
| 5% (+PMI) | $1,759/mo | $46,900 |
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.
Multifamily for sale
Listings
1 building
Active / pending
Median Price
$250K
Per building
Price Per Unit
$125K
Median
Solar potential
~$905/yr in electricity from a typical rooftop solar system
Produces ~6,330 kWh/yr · offsets ~60% of a typical home's use
Utility, solar, and service details for S Madison St & S Washington Ave Area 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.
Flood Risk
None
Not in flood zone
Nearest Park
Copeyon Park
0.3 mi
Parks Nearby
20
within 1 mile
🍕 Restaurants(6)
Timbers
Restaurant
Fast Food
Scotty's
Restaurant
Restaurant
+1 more within 5 miles
☕ Coffee(6)
+3 more within 5 miles
🍺 Bars(7)
+4 more within 5 miles
🌳 Parks(4)
+1 more within 5 miles
🚴 Trails(4)
+1 more within 5 miles
⚡ EV Charging(1)
EV Charging
Frequently asked about S Madison St & S Washington Ave Area
- What do homes cost in S Madison St & S Washington Ave Area?
- The median home value in S Madison St & S Washington Ave Area is about $220,000. Individual prices vary by street, size, and condition.
- How active is the S Madison St & S Washington Ave Area housing market?
- there are 3 homes for sale in S Madison St & S Washington Ave Area right now, and 5 homes sold here in the last 12 months. Listings refresh throughout the day from the MichRIC MLS.
- What schools serve S Madison St & S Washington Ave Area?
- S Madison St & S Washington Ave Area is served by Ludington Area School District. Its highest-rated assigned school is Ludington High School (8/10).
- Is S Madison St & S Washington Ave Area walkable?
- S Madison St & S Washington Ave Area scores 4.8/10 for walkability — a measure of walking, biking, and driving access to groceries, dining, parks, schools, and transit.