Summit
Great schools with outdoor access
6 homes for sale·Median $781K·Schools 7.3/10
Heading down toward the shoreline, you're right on the edge of Lake Michigan, with Bass Lake—a spring-fed all-sports lake that runs 524 acres—sitting just inland. Properties out here tend to anchor themselves around water access: cottages with deeded lakefront, homes built to frame sunset views, a few with their own slice of shoreline where the outlet feeds into the big lake. You've got a skate park right adjacent if there are kids around, and restaurants are basically steps away, so you're not exactly roughing it despite the wooded feel. The mix skews toward people who want genuine water living without needing to drive twenty minutes to a restaurant—the kind of spot where a 1913 schoolhouse conversion sits a few parcels down from a modern timber-frame estate, and nobody blinks. It's the in-between: close enough to actual amenities, far enough from feeling suburban.
Why people love it here
Lake life
- Lake Michigan within walking distance
Ludington High School
- High — 7.3 mi away
- Ludington Area
- 3 rated schools in district
$77K median household income
- $781K median · 9 sales in last 12mo
Mortgage Calculator
Median home price in Summit
Estimated Monthly Payment
$5,302/mo
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. This is not a commitment to lend or an offer of credit. Your actual rate, payment, and costs may vary. Contact a loan officer for a personalized quote.
Guild Mortgage NMLS #3274. Equal Housing Lender. NMLS Consumer Access
9 homes sold in Summit 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
Flood Risk
None
Not in flood zone
Nearest Park
Summit Township Park
1.2 mi
Parks Nearby
0
within 1 mile
Nearest Lake
Lake Michigan
0.0 mi
Most of Summit is policed by the Mason County Sheriff's Office. Across that jurisdiction in 2024, the most common reported offenses were larceny / theft (456 per 100,000 residents) and aggravated assault (141 per 100,000 residents), per FBI Uniform Crime Reporting.
No homicides were reported in 2024.
| Offense type | Per 100k residents |
|---|---|
| Larceny / theft | 456 |
| Aggravated assault | 141 |
| Burglary | 73 |
| Rape | 53 |
| Motor-vehicle theft | 29 |
| Arson | 10 |
| Homicide | 0 |
| Robbery | 0 |
Reported offenses per 100,000 residents, Mason County Sheriff's Office, FBI Uniform Crime Reporting (2024). Figures cover the Mason County Sheriff's Office's full jurisdiction (the county's unincorporated areas), not Summit alone. Crime is reported at the jurisdiction level and varies block to block within any community.
To buy a median-priced Summit home (around $781,000) at today's 6.43% 30-year fixed rate with 20% down, you'd need roughly $118k/year in household income to qualify — an estimated monthly payment of $4,419 (principal, interest, property tax, and insurance).
The typical Summit household earns $76,875 — about $40,959 below what the median home requires, which is why many local buyers look below $781,000 or put more down. At that income, a buyer can afford roughly $495,000 with 20% down.
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $4,419/mo | $117,834 |
| 10% (+PMI) | $5,202/mo | $138,713 |
| 5% (+PMI) | $5,463/mo | $145,681 |
Estimates use a 6.43% 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 and median property taxes, plus estimated insurance and PMI below 20% down. Not an APR or a commitment to lend — your actual rate and payment will vary.
Land for sale
Listings
10 parcels
Active / pending
Typical Land Value
$181K/acre
Median asking
Median Price
$74K
Per listing
Association and local-government details are compiled from public records, municipal sites, and state registries, and can change. Confirm directly with the association or municipality before relying on them.
Private well
Rural township; individual wells.
Septic - individual
On-site septic.
Resident-arranged private hauler
No municipal collection.
Service splits by location — other areas may be served by Consumers Energy. Confirm by address.
Confirm by addressConsumers Energy / propane (LP)
Rural LP/propane common.
Confirm by addressSource: findenergy.com
Utility, solar, and service details for Summit 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.
Median Income
$77K
Home Value (Census)
$248K
Frequently asked about Summit
- What do homes cost in Summit?
- The median home value in Summit is about $781,000. Individual prices vary by street, size, and condition.
- How active is the Summit housing market?
- there are 6 homes for sale in Summit right now, and 9 homes sold here in the last 12 months. Listings refresh throughout the day from the MichRIC MLS.
- What schools serve Summit?
- Summit is served by Ludington Area School District. Its highest-rated assigned school is Ludington High School (8/10).
Top contributors in Summit
Detailed statistics are being computed for this location. Demographics, home values, schools, flood risk, and more will appear here automatically.
