S Madison St & US 10 Area
Strong schools draw families here
4 homes for sale·Median $209K·Walkability 0.0/10·Schools 7.3/10
Where Madison meets the highway, you're looking at one of those rare stretches that actually lives between worlds—close enough to downtown Ludington and its shops, galleries, and waterfront that you can walk to dinner, but sitting on lots that give you real breathing room, often three-quarters of an acre or more. Lake Michigan is practically a neighbor, less than a third of a mile away, and the Ramps and Rails Skate Park is right there if you've got kids who need to burn energy. You've got 34 restaurants within a mile, which sounds like more than enough, and a coffee shop is a reasonable walk. The homes here tend toward solid brick and wood-frame construction—the kind of places where a kitchen renovation or a fresh coat of paint actually means something—and the bones are there if you want to make something of them. It's the kind of location where you can be genuinely close to what matters without feeling stacked on top of it.
Why people love it here
Ludington High School
- High — 0.7 mi away
- Ludington Area
- 3 rated schools in district
$209K median
- 16 sales in last 12mo
Conventional Mortgage Calculator
Median home price in S Madison St & US 10 Area
Estimated Monthly Payment
$1,421/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.
16 homes sold in S Madison St & US 10 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
Car-dependent
Overall walkability score out of 10
Based on actual walk/bike/drive times to nearby amenities via Mapbox
Lake Michigan
Crime in S Madison St & US 10 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 & US 10 Area home (around $209,250) at today's 6.49% 30-year fixed rate with 20% down, you'd need roughly $37k/year in household income to qualify — an estimated monthly payment of $1,392 (principal, interest, property tax est., and insurance).
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $1,392/mo | $37,114 |
| 10% (+PMI) | $1,602/mo | $42,730 |
| 5% (+PMI) | $1,673/mo | $44,608 |
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
$200K
Per building
Price Per Unit
$100K
Median
Solar potential
~$894/yr in electricity from a typical rooftop solar system
Produces ~6,253 kWh/yr · offsets ~60% of a typical home's use
Utility, solar, and service details for S Madison St & US 10 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
Levouix Memorial Park
0.4 mi
Parks Nearby
15
within 1 mile
🍕 Restaurants(6)
+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 & US 10 Area
- What do homes cost in S Madison St & US 10 Area?
- The median home value in S Madison St & US 10 Area is about $209,250. Individual prices vary by street, size, and condition.
- How active is the S Madison St & US 10 Area housing market?
- there are 4 homes for sale in S Madison St & US 10 Area right now, and 16 homes sold here in the last 12 months. Listings refresh throughout the day from the MichRIC MLS.
- What schools serve S Madison St & US 10 Area?
- S Madison St & US 10 Area is served by Ludington Area School District. Its highest-rated assigned school is Ludington High School (8/10).
- Is S Madison St & US 10 Area walkable?
- S Madison St & US 10 Area scores 0.0/10 for walkability — a measure of walking, biking, and driving access to groceries, dining, parks, schools, and transit.