Median Income
$68,087
9% lower than US avg
Home Value
$233,900
17% lower than US avg
Violent Crime
346/100K
9% lower than US avg
Bachelor's+
37.8%
12% higher than US avg
Median Rent
$893
23% lower than US avg
Obesity Rate
35.1%
9% higher than US avg
Unemployment
4.1%
14% higher than US avg
Poverty Rate
4.2%
66% lower than US avg
How Boyne City Compares to the U.S. Average (100% = U.S. avg)
People
Population3,829
Median Age47.7 yrs
Density948/mi²
Male / Female46% / 54%
Largest GroupWhite 94%
Veterans6.3%
Economy
A
Median Income$68,087
Per Capita$40,077
Unemployment4.1%
Poverty4.2%
County GDP$855M
Commute17 min
Housing
A+
Home Value$233,900
Rent$893
Ownership71.3%
Zillow$392,643
Housing Units2,332
Rent Burden32.1%
Crime
F
Violent346/100K
Property693/100K
Murder0.0/100K
Assault267/100K
Burglary0/100K
Health
Obesity35.1%
Uninsured5.8%
Smoking14.0%
Depression27.6%
Heart Disease5.2%
Climate
Avg Temp43°F (6°C)
AQI38 (Good)
Rain35.8 in/yr
Sunny Days270/yr
Elevation595 ft (181 m)
Education
A
Bachelor's+37.8%
High School+95.8%
Graduate+12.1%
School Score5.57
Community
2024 VoteR 61% / D 38%
Commute17 min
Broadband90.2%
EV Stations3
Libraries5
Is Boyne City a Good Place to Live?
Based on current data, Boyne City receives an overall livability score of 3.4 out of 5.0, earning a grade of B. Key strengths include a highly educated population, affordable housing, abundant sunshine, a low poverty rate. Boyne City offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Boyne City is $68,087, roughly in line with the national average of $75,149. Unemployment stands at 4.1%, indicating a healthy job market. Only 4.2% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 17 minutes, shorter than most U.S. cities.
Cost of Living & Housing
The median home value in Boyne City is $233,900, 17% below the national median / offering relatively affordable homeownership. Renters pay a median of $893 per month, below the national average / a plus for affordability. A price-to-income ratio of 3.4x indicates a reasonably affordable housing market.
Safety & Crime
Violent crime in Boyne City is below the national average at 346 per 100,000 residents (U.S. avg: 380). Property crime occurs at a rate of 693 per 100,000, 65% below the national average.
Education
Educational attainment is solid, with 37.8% holding a bachelor's degree or higher, near the national average. 95.8% have completed high school. Area schools have an average test score of 5.6/10.
Climate & Weather
Boyne City has a cool climate with an average annual temperature of 43°F. Winters average 19°F in January while summers reach 67°F in July. With 270 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 35.8 inches. Air quality is rated Good with a median AQI of 38.
Boyne City has a population of 3,829 with a density of 948 people per square mile, spread across 5.4 square miles. The median age is 47.7 years, 23% older than the national median of 38.9. The gender split is 53.6% female and 46.4% male. The city is predominantly White (93.8%), with 1.6% Hispanic, 1.3% Black. English is the primary language spoken at home by 98.1% of residents. 6.3% of the population are veterans. 13.8% of residents have a disability. 90.0% have health insurance coverage.
Population
47.7yrs
Median Age
23% above US avg
Race & Ethnicity
Boyne City vs U.S. Average
Language Spoken at Home
English Only
98.1%
25% above US avg
Spanish
1.9%
86% below US avg
Social Characteristics
Boyne City vs U.S. Average
The median household income in Boyne City is $68,087, which is 9% below the national average of $75,149. Per capita income is $40,077. The average weekly wage is $826, 42% lower than the U.S. average. The unemployment rate is 4.1% (above the 3.6% US average). 4.2% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 599 business establishments, including 60 restaurants. The cost of living index is 96.2, roughly in line with the national average. Workers commute an average of 17 minutes (shorter than the 28-minute US average). 13.4% of workers work from home.
Income: Boyne City vs U.S.
Income
| Median HH Income | $68,087 |
| 9% below US avg |
| Per Capita Income | $40,077 |
| Avg Weekly Wage | $826 |
| IRS Avg AGI | $79,571 |
| Gini Index | 0.428 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 4.1% |
| 14% above US avg |
| Poverty Rate | 4.2% |
| 66% below US avg |
| Establishments (County) | 599 |
| County GDP | $855M |
Business (County)
| Restaurants | 60 |
| Healthcare | 51 |
| Retail | 98 |
| Manufacturing | 41 |
Tax & Cost of Living
| Property Tax (IRS) | $8,941 |
| 155% above US avg |
| Cost of Living | 96.20 (100=avg) |
| Effective Tax Rate | 3.82% |
Commute & Transportation
| Commute Time | 17.1 min |
| Drive Alone | 73.7% |
| Public Transit | 0.7% |
| Work from Home | 13.4% |
The median home value in Boyne City is $233,900, 17% below the national median of $281,900. Zillow estimates the typical home value at $392,643, higher than the Census estimate. Monthly rent averages $893 (23% below the national average of $1,163). Fair market rent ranges from $891 for a one-bedroom to $1,113 for a two-bedroom apartment. 71.3% of housing units are owner-occupied. There are 2,332 total housing units in the city. The median year a home was built is 1976. The average annual property tax is $8,941 (higher than the $3,500 national average). 32.1% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 3.4x.
Home Values
| Census Median | $233,900 |
| 17% below US avg |
| Zillow ZHVI | $392,643 |
Real Estate Market (Redfin)
Rental Costs
| Census Median Rent | $893 |
| 23% below US avg |
| Rent Burden | 32.1% |
HUD Fair Market Rent
| Studio | $807 |
| 1 Bedroom | $891 |
| 2 Bedrooms | $1,113 |
| 3 Bedrooms | $1,419 |
| 4 Bedrooms | $1,588 |
Ownership & Property
| Homeownership | 71.3% |
| Owner-Occupied | 71.3% |
| Renter-Occupied | 28.7% |
| Housing Units | 2,332 |
| Median Year Built | 1976 |
Property Tax
| Avg Tax (IRS) | $8,941 |
| 155% above US avg |
| Effective Rate | 3.82% |
In Boyne City, 35.1% of adults are obese, above the national rate of 32.1%. 8.5% have diabetes (below the 10.5% national rate). Heart disease affects 5.2% of residents. 29.7% have high blood pressure. 14.0% are current smokers. 19.6% report binge drinking. 20.1% are physically inactive, below the national average. 27.6% report depression (above the 20.0% national average). 18.5% experience frequent mental distress. 5.8% of residents lack health insurance (below the 8.6% national rate). The primary care physician ratio is 1:1,488. The dentist ratio is 1:3,031. 74.1% of residents have access to exercise opportunities. The food environment index is 8.4 out of 10.
Health Metrics: Boyne City vs U.S. Average (%)
Chronic Conditions
| Obesity | 35.1% |
| 9% above US avg |
| Diabetes | 8.5% |
| Heart Disease | 5.2% |
| High Blood Pressure | 29.7% |
| Asthma | 11.7% |
| COPD | 6.4% |
| Cancer | 7.9% |
| Stroke | 2.7% |
Behaviors & Mental Health
| Smoking | 14.0% |
| 0% below US avg |
| Binge Drinking | 19.6% |
| Physical Inactivity | 20.1% |
| Depression | 27.6% |
| Mental Distress | 18.5% |
| Physical Distress | 12.3% |
| Short Sleep | 35.8% |
Healthcare Access
| Insurance Rate | 90.0% |
| Uninsured | 5.8% |
| 33% below US avg |
| Primary Care | 1:1,488 |
| Dentists | 1:3,031 |
| Mental Health | 1:1,627 |
| Checkup Rate | 77.5% |
| Dental Visits | 71.0% |
| Premature Death | 7,259/100K |
Food & Exercise
| Food Environment | 8.4/10 |
| Exercise Access | 74.1% |
| Healthcare Facilities | 51 |
Boyne City has a violent crime rate of 346 per 100,000 residents, 9% below the national average of 380. This breaks down to aggravated assault at 266.5 per 100,000, robbery at 0.0, rape at 80.0. The murder rate is 0.0 per 100,000 (below the national rate of 6.3). Property crime stands at 693 per 100,000, 65% below the U.S. average. This includes larceny/theft at 666, burglary at 0, vehicle theft at 27 per 100,000 residents. The county recorded 4 fatal traffic crashes. Overall, Boyne City receives a safety grade of F.
Crime Rates: Boyne City vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 346.5/100K |
| 9% below US avg |
| Murder | 0.0/100K |
| 100% below US avg |
| Rape | 80.0/100K |
| Robbery | 0.0/100K |
| Assault | 266.5/100K |
Property Crime
| Total Property | 693.0/100K |
| 65% below US avg |
| Burglary | 0.0/100K |
| Theft | 666.3/100K |
| Vehicle Theft | 26.7/100K |
| Arson | 0.0/100K |
Traffic Safety
| Fatal Crashes (County/yr) | 4 |
| Traffic Accidents | 4 |
| Avg Accident Severity | 3.0 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Boyne City has a cool climate with an average annual temperature of 43°F (6°C). Winters average 19°F in January while summers reach 67°F in July. The area gets 270 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Annual precipitation totals 35.8 inches. Air quality is rated Good with a median AQI of 38. The city sits at an elevation of 595 feet.
Temperature
19°F Jan (-7°C)
67°F Jul (19°C)
| Annual Average | 43.3°F |
| 20% below US avg |
| January Average | 19°F (-7°C) |
| July Average | 67°F (19°C) |
| Sunny Days | 270 days/yr |
Geography
| Elevation | 595 ft (181 m) |
| Area | 5.4 sq mi (14.0 km²) |
| Population Density | 948/sq mi |
| Coordinates | 45.2130°N, 85.0124°W |
| Timezone | America/Detroit |
| County | Antrim County County |
| Nearest Airport | Gaylord Regional (GLR)
20 miles away |
Precipitation & Snow
Annual Rainfall
35.8"
6% below US avg
Wettest Month (Sep)
4.13"
Air Quality
| AQI Median | 38.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 25.8 / 100 |
| Social Vulnerability | 26.2 / 100 |
| Community Resilience | 84.7 / 100 |
Hazard Breakdown
| Tornado |
Relatively Low |
| Hurricane |
Very Low |
| Earthquake |
Very Low |
| Wildfire |
Very Low |
| Flood |
Relatively Low |
| Hail |
Relatively Low |
| Strong Wind |
Very Low |
| Heat Wave |
Very Low |
| Winter Weather |
Very Low |
| Lightning |
Relatively Low |
| Ice Storm |
Very Low |
| Drought |
No Rating |
| Cold Wave |
Relatively Moderate |
| Landslide |
Relatively Low |
| Coastal Flood |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Tornado History
85 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF3. Total: 3 fatalities, 70 injuries.
| Date |
Rating |
Distance |
Fatalities |
| May 20, 2022 |
EF3 |
29 km |
2 |
| Jul 3, 1974 |
EF3 |
16 km |
0 |
| Jun 26, 1969 |
EF3 |
73 km |
0 |
| Oct 18, 2007 |
EF2 |
63 km |
1 |
| Oct 18, 2007 |
EF2 |
85 km |
0 |
| Oct 18, 2007 |
EF2 |
95 km |
0 |
| May 28, 1995 |
EF2 |
100 km |
0 |
| Jul 31, 1977 |
EF2 |
27 km |
0 |
| Jul 23, 1976 |
EF2 |
74 km |
0 |
| Apr 19, 1975 |
EF2 |
53 km |
0 |
| Jun 10, 1974 |
EF2 |
86 km |
0 |
| May 25, 1973 |
EF2 |
96 km |
0 |
| May 8, 1964 |
EF2 |
54 km |
0 |
| May 8, 1964 |
EF2 |
89 km |
0 |
| Sep 13, 1961 |
EF2 |
62 km |
0 |
| Jul 4, 1957 |
EF2 |
83 km |
0 |
| Sep 1, 2014 |
EF1 |
45 km |
0 |
| Sep 1, 2014 |
EF1 |
54 km |
0 |
| Sep 1, 2014 |
EF1 |
52 km |
0 |
| Jun 18, 2012 |
EF1 |
79 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
20 wildfires (100+ acres) within 100 km.
Largest: MERIDIAN BOUNDARY COMPLEX (MERIDIAN ROAD) (7,478 ac, 2010).
| Year |
Name |
Acres |
Distance |
| 2010 |
MERIDIAN BOUNDARY COMPLEX (MERIDIAN ROAD) |
7,478 |
86 km |
| 1990 |
CRAWFORD15 |
6,868 |
69 km |
| 2006 |
HUGHES LAKE FIRE |
5,285 |
96 km |
| 1994 |
UNNAMED |
4,059 |
53 km |
| 2006 |
UNNAMED |
4,020 |
55 km |
| 2022 |
BLUE LAKES |
2,554 |
53 km |
| 1995 |
UNNAMED |
1,844 |
52 km |
| 2024 |
RANGE 30 24-03 RX |
1,523 |
64 km |
| 1985 |
CRAWFORD45 |
1,412 |
54 km |
| 1998 |
OGEMAW16 |
1,391 |
99 km |
| 2008 |
FOUR MILE |
1,348 |
68 km |
| 2006 |
UNNAMED |
1,267 |
71 km |
| 2010 |
MERIDIAN BOUNDARY COMPLEX (RANGE 9) |
1,202 |
66 km |
| 1995 |
OGEMAW10 |
856 |
98 km |
| 2011 |
HOWES LAKE |
839 |
59 km |
| 1990 |
CRAWFORD16 |
777 |
81 km |
| 1999 |
MACKINAC3 |
741 |
100 km |
| 1996 |
HAGAMAN ROAD |
658 |
85 km |
| 2016 |
UNNAMED |
582 |
96 km |
| 2006 |
UNNAMED |
575 |
51 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
19°F (-7°C) |
2.1 in |
Coldest |
| February |
20°F (-6°C) |
1.3 in |
Driest |
| March |
29°F (-2°C) |
1.9 in |
|
| April |
41°F (5°C) |
2.4 in |
|
| May |
53°F (12°C) |
2.7 in |
|
| June |
62°F (17°C) |
2.8 in |
|
| July |
67°F (19°C) |
2.8 in |
Warmest |
| August |
66°F (19°C) |
3.3 in |
|
| September |
59°F (15°C) |
4.1 in |
Wettest |
| October |
48°F (9°C) |
3.2 in |
|
| November |
37°F (3°C) |
2.9 in |
|
| December |
26°F (-3°C) |
2.4 in |
|
Boyne City has a seasonal temperature swing of 48°F / from 19°F in January to 67°F in July. Total annual precipitation is 32.0 inches, with September being the wettest month (4.1") and February the driest (1.3").
Average costs for common services in Boyne City. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$241 ($144–$385) |
| Specialist Visit |
$337 ($192–$529) |
| Urgent Care Visit |
$192 ($96–$337) |
| Emergency Room Visit |
$2,116 ($770–$4,810) |
| Dental Cleaning |
$125 ($72–$192) |
| Dental Filling |
$241 ($144–$385) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$43 ($24–$72) |
| Oil Change (Synthetic) |
$72 ($48–$115) |
| Brake Pad Replacement |
$289 ($144–$481) |
| Tire Rotation |
$38 ($19–$72) |
| New Tires (Set of 4) |
$577 ($385–$962) |
| Battery Replacement |
$192 ($96–$337) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$96 ($58–$144) |
| Electrician (Per Hour) |
$87 ($48–$135) |
| HVAC Repair |
$385 ($144–$770) |
| HVAC System Install |
$6,734 ($3,848–$11,544) |
| Roof Repair |
$962 ($385–$1,924) |
| Roof Replacement |
$8,658 ($5,291–$14,430) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,443 ($481–$3,367) |
| Divorce (Contested) |
$14,430 ($4,810–$28,860) |
| DUI Defense |
$4,810 ($1,924–$9,620) |
| Bankruptcy (Chapter 7) |
$1,443 ($770–$2,886) |
| Will Preparation |
$481 ($192–$962) |
| Trust Preparation |
$2,405 ($962–$4,810) |
View all 12 services
Personal Care
| Men's Haircut |
$24 ($14–$43) |
| Women's Haircut |
$53 ($29–$96) |
| Hair Coloring (Full) |
$144 ($72–$241) |
| Manicure |
$24 ($14–$43) |
| Pedicure |
$38 ($24–$63) |
| Massage (1 Hour) |
$77 ($48–$125) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.94 ($2.89–$5.29) |
| Dozen Eggs (per dozen) |
$3.37 ($2.41–$4.81) |
| Loaf of Bread |
$3.66 ($2.41–$5.29) |
| Chicken Breast (per lb) |
$4.33 ($2.89–$6.25) |
| Ground Beef (per lb) |
$5.29 ($3.85–$7.22) |
| Rice (per lb) |
$0.96 ($0.58–$1.73) |
View all 20 services
Utilities
| Electricity (Monthly) |
$135 ($77–$241) |
| Natural Gas (Monthly) |
$67 ($29–$144) |
| Water/Sewer (Monthly) |
$67 ($38–$115) |
| Internet (Monthly) |
$67 ($38–$96) |
| Cell Phone Plan (Monthly) |
$63 ($29–$96) |
| Cable TV (Monthly) |
$82 ($48–$144) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$192 ($72–$481) |
| Car Insurance (Annual) |
$1,924 ($1,154–$3,367) |
| Bus Pass (Monthly) |
$67 ($29–$125) |
| Taxi/Uber (5-Mile Ride) |
$14 ($7.70–$24) |
| Car Registration (Annual) |
$96 ($29–$241) |
| Driver's License Renewal |
$29 ($14–$72) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,154 ($577–$2,405) |
| Daycare (Toddler, Monthly) |
$962 ($481–$1,924) |
| After-School Care (Monthly) |
$385 ($192–$673) |
| Tutoring (Per Hour) |
$48 ($24–$96) |
| SAT/ACT Prep Course |
$962 ($385–$2,405) |
| Private School (K-12, Annual) |
$12,025 ($4,810–$28,860) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$58 ($29–$96) |
| Dog Vaccination (Annual) |
$96 ($48–$192) |
| Dog Grooming |
$58 ($29–$96) |
| Pet Boarding (Per Night) |
$38 ($19–$72) |
| Dog Spay/Neuter |
$289 ($144–$481) |
| Cat Spay/Neuter |
$192 ($96–$385) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $577 |
| Toddler | $577 |
| Preschool | $577 |
| Family Childcare (monthly) |
| Infant | $636 |
| Toddler | $654 |
| Preschool | $654 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Boyne City
What is the population of Boyne City?
Boyne City has a population of 3,829 residents and is located in Michigan. The population density is 948 people per square mile, spread across 5.4 square miles. The median age of residents is 47.7 years, which is older than the national median of 38.9 years. The population is 53.6% female and 46.4% male.
Is Boyne City expensive to live in?
Boyne City has a cost of living roughly in line with the national average, with an index of 96.2 (baseline: 100). The median household income is $68,087, 9% below the national average of $75,149. The median home value is $233,900 (17% below the U.S. median). Renters pay a median of $893 per month, below the national average of $1,163. The home price-to-income ratio is 3.4x, indicating housing is reasonably affordable relative to local income levels.
Is Boyne City safe?
Boyne City is safer than the national average, with a violent crime rate of 346 per 100,000 compared to the U.S. rate of 380. Property crime occurs at a rate of 693 per 100,000 (below the national average). Overall, Boyne City receives a safety grade of F based on combined crime data.
What is the weather like in Boyne City?
Boyne City has a cool climate with an average annual temperature of 43°F (6°C). Winter temperatures average 19°F in January, while summers reach an average of 67°F in July. The area receives 270 sunny days per year, well above the national average of 205. Annual rainfall totals 35.8 inches. Air quality is rated Good with a median Air Quality Index (AQI) of 38.
How is the job market in Boyne City?
Boyne City has a healthy job market with an unemployment rate of 4.1%, near the national average of 3.6%. The average weekly wage is $826. There are 599 business establishments in the area, including 60 restaurants and food service locations. The average commute time is 17 minutes, and 13.4% of workers work from home.
How much does housing cost in Boyne City?
The median home value in Boyne City is $233,900. Zillow estimates the typical home value at $392,643. For renters, the median monthly rent is $893. Fair market rent is $891 for a 1-bedroom and $1,113 for a 2-bedroom apartment. The homeownership rate is 71.3%. The average annual property tax is $8,941.
How are the schools in Boyne City?
Schools in Boyne City score 5.6 out of 10 on standardized testing, near the national average. 37.8% of adults in Boyne City hold a bachelor's degree or higher, above the national average of 33.7%. 95.8% have completed high school. 12.1% hold a graduate or professional degree.
How healthy is Boyne City?
The obesity rate in Boyne City is 35.1% (above the national rate of 32.1%). 14.0% of adults are smokers. 20.1% are physically inactive. 27.6% of residents report depression. 5.8% lack health insurance (below the national rate). 74.1% of residents have access to exercise opportunities. The primary care physician ratio is 1:1,488.
What is transportation like in Boyne City?
The average commute in Boyne City is 17 minutes, shorter than the national average of 28 minutes. 73.7% of workers drive alone to work, and 13.4% work from home.
What are the demographics of Boyne City?
The racial and ethnic makeup of Boyne City is 93.8% White, 1.3% Black or African American, 1.6% Hispanic or Latino. 98.1% of residents speak only English at home. 6.3% of the population are military veterans. 13.8% of residents have a disability. 90.0% have health insurance coverage.
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