Median Income
$76,833
2% higher than US avg
Home Value
$275,000
2% lower than US avg
Violent Crime
106/100K
72% lower than US avg
Bachelor's+
33.7%
0% lower than US avg
Obesity Rate
33.0%
3% higher than US avg
Unemployment
1.2%
67% lower than US avg
Poverty Rate
0.0%
100% lower than US avg
How Horton Bay Compares to the U.S. Average (100% = U.S. avg)
People
Population352
Median Age64.7 yrs
Density73/mi²
Male / Female42% / 59%
Largest GroupWhite 92%
Veterans15.6%
Economy
A+
Median Income$76,833
Per Capita$48,464
Unemployment1.2%
Poverty0.0%
County GDP$855M
Commute25 min
Housing
A+
Home Value$275,000
Ownership93.6%
Zillow$392,643
Housing Units361
Rent Burden24.5%
Crime
F
Violent106/100K
Property1,273/100K
Health
Obesity33.0%
Uninsured4.8%
Smoking11.8%
Depression26.5%
Heart Disease4.7%
Climate
Avg Temp43°F (6°C)
AQI38 (Good)
Rain35.8 in/yr
Sunny Days270/yr
Elevation640 ft (195 m)
Education
B+
Bachelor's+33.7%
High School+98.3%
Graduate+12.5%
School Score5.57
Community
2024 VoteR 61% / D 38%
Commute25 min
Broadband93.6%
EV Stations3
Libraries5
Is Horton Bay a Good Place to Live?
Based on current data, Horton Bay receives an overall livability score of 3.5 out of 5.0, earning a grade of B+. Key strengths include low unemployment, low crime rates, abundant sunshine, a low poverty rate. Horton Bay offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Horton Bay is $76,833, roughly in line with the national average of $75,149. The job market is very strong with unemployment at just 1.2%. Only 0.0% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 25 minutes.
Cost of Living & Housing
The median home value in Horton Bay is $275,000, roughly aligned with the national median of $281,900. A price-to-income ratio of 3.6x indicates a reasonably affordable housing market.
Safety & Crime
Horton Bay is a very safe community with a violent crime rate of 106 per 100,000 residents / well below the national average of 380. Property crime occurs at a rate of 1,273 per 100,000, 35% below the national average.
Education
Educational attainment is solid, with 33.7% holding a bachelor's degree or higher, near the national average. 98.3% have completed high school. Area schools have an average test score of 5.6/10.
Climate & Weather
Horton Bay 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.
Horton Bay has a population of 352 with a density of 73 people per square mile, spread across 4.8 square miles. The median age is 64.7 years, 66% older than the national median of 38.9. The gender split is 58.5% female and 41.5% male. The city is predominantly White (92%). English is the primary language spoken at home by 93.7% of residents, while 6.3% speak Spanish. 15.6% of the population are veterans, above the national rate of 6.0%. 10.3% of residents have a disability (below the 13.0% national average). 95.8% have health insurance coverage.
Population
64.7yrs
Median Age
66% above US avg
Race & Ethnicity
Horton Bay vs U.S. Average
Language Spoken at Home
English Only
93.7%
19% above US avg
Spanish
6.3%
53% below US avg
Social Characteristics
Horton Bay vs U.S. Average
The median household income in Horton Bay is $76,833, which is 2% above the national average of $75,149. Per capita income is $48,464 (above the $39,052 national figure). The average weekly wage is $826, 42% lower than the U.S. average. The unemployment rate is 1.2% (below the 3.6% US average). 0.0% 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 25 minutes. 14.6% of workers work from home.
Income: Horton Bay vs U.S.
Income
| Median HH Income | $76,833 |
| 2% above US avg |
| Per Capita Income | $48,464 |
| Avg Weekly Wage | $826 |
| IRS Avg AGI | $79,571 |
| Gini Index | 0.428 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 1.2% |
| 67% below US avg |
| Poverty Rate | 0.0% |
| 100% 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 | 3.25% |
Commute & Transportation
| Commute Time | 25.0 min |
| Drive Alone | 84.7% |
| Public Transit | 0.7% |
| Work from Home | 14.6% |
The median home value in Horton Bay is $275,000, 2% below the national median of $281,900. Zillow estimates the typical home value at $392,643, higher than the Census estimate. Fair market rent ranges from $891 for a one-bedroom to $1,113 for a two-bedroom apartment. 93.6% of housing units are owner-occupied (above the 65.4% national rate). There are 361 total housing units in the city. The median year a home was built is 1979. The average annual property tax is $8,941 (higher than the $3,500 national average). 24.5% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 3.6x.
Home Values
| Census Median | $275,000 |
| 2% below US avg |
| Zillow ZHVI | $392,643 |
Real Estate Market (Redfin)
Rental Costs
HUD Fair Market Rent
| Studio | $807 |
| 1 Bedroom | $891 |
| 2 Bedrooms | $1,113 |
| 3 Bedrooms | $1,419 |
| 4 Bedrooms | $1,588 |
Ownership & Property
| Homeownership | 93.6% |
| Owner-Occupied | 93.6% |
| Renter-Occupied | 6.4% |
| Housing Units | 361 |
| Median Year Built | 1979 |
Property Tax
| Avg Tax (IRS) | $8,941 |
| 155% above US avg |
| Effective Rate | 3.25% |
In Horton Bay, 33.0% of adults are obese, above the national rate of 32.1%. 7.7% have diabetes (below the 10.5% national rate). Heart disease affects 4.7% of residents, below the national average. 28.1% have high blood pressure. 11.8% are current smokers. 20.2% report binge drinking. 17.5% are physically inactive, below the national average. 26.5% report depression (above the 20.0% national average). 17.1% experience frequent mental distress. 4.8% 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: Horton Bay vs U.S. Average (%)
Chronic Conditions
| Obesity | 33.0% |
| 3% above US avg |
| Diabetes | 7.7% |
| Heart Disease | 4.7% |
| High Blood Pressure | 28.1% |
| Asthma | 11.2% |
| COPD | 5.4% |
| Cancer | 8.0% |
| Stroke | 2.4% |
Behaviors & Mental Health
| Smoking | 11.8% |
| 16% below US avg |
| Binge Drinking | 20.2% |
| Physical Inactivity | 17.5% |
| Depression | 26.5% |
| Mental Distress | 17.1% |
| Physical Distress | 11.0% |
| Short Sleep | 34.4% |
Healthcare Access
| Insurance Rate | 95.8% |
| Uninsured | 4.8% |
| 44% below US avg |
| Primary Care | 1:1,488 |
| Dentists | 1:3,031 |
| Mental Health | 1:1,627 |
| Checkup Rate | 77.7% |
| Dental Visits | 74.1% |
| Premature Death | 7,259/100K |
Food & Exercise
| Food Environment | 8.4/10 |
| Exercise Access | 74.1% |
| Healthcare Facilities | 51 |
Horton Bay has a violent crime rate of 106 per 100,000 residents, 72% below the national average of 380. Property crime stands at 1,273 per 100,000, 35% below the U.S. average. The county recorded 4 fatal traffic crashes. Overall, Horton Bay receives a safety grade of F.
Crime Rates: Horton Bay vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 106.1/100K |
| 72% below US avg |
| |
Property Crime
| Total Property | 1,273.2/100K |
| 35% below US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 4 |
| Avg Accident Severity | 0.0 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Horton Bay 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 640 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 | 640 ft (195 m) |
| Area | 4.8 sq mi (12.5 km²) |
| Population Density | 73/sq mi |
| Coordinates | 45.2812°N, 85.0747°W |
| Timezone | America/Detroit |
| County | Antrim County County |
| Nearest Airport | Pellston Regional/Emmet County (PLN)
24 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
78 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF3. Total: 3 fatalities, 69 injuries.
| Date |
Rating |
Distance |
Fatalities |
| May 20, 2022 |
EF3 |
37 km |
2 |
| Jul 3, 1974 |
EF3 |
23 km |
0 |
| Jun 26, 1969 |
EF3 |
75 km |
0 |
| Oct 18, 2007 |
EF2 |
69 km |
1 |
| Oct 18, 2007 |
EF2 |
94 km |
0 |
| Jul 31, 1977 |
EF2 |
30 km |
0 |
| Jul 23, 1976 |
EF2 |
80 km |
0 |
| Apr 19, 1975 |
EF2 |
62 km |
0 |
| Jun 10, 1974 |
EF2 |
94 km |
0 |
| May 8, 1964 |
EF2 |
55 km |
0 |
| May 8, 1964 |
EF2 |
94 km |
0 |
| Sep 13, 1961 |
EF2 |
66 km |
0 |
| Jul 4, 1957 |
EF2 |
88 km |
0 |
| Sep 1, 2014 |
EF1 |
63 km |
0 |
| Sep 1, 2014 |
EF1 |
60 km |
0 |
| Sep 1, 2014 |
EF1 |
53 km |
0 |
| Jun 18, 2012 |
EF1 |
88 km |
0 |
| Oct 18, 2007 |
EF1 |
54 km |
0 |
| Jun 13, 2004 |
EF1 |
93 km |
0 |
| Aug 1, 2002 |
EF1 |
14 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
17 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 |
95 km |
| 1990 |
CRAWFORD15 |
6,868 |
78 km |
| 1994 |
UNNAMED |
4,059 |
62 km |
| 2006 |
UNNAMED |
4,020 |
64 km |
| 2022 |
BLUE LAKES |
2,554 |
59 km |
| 1995 |
UNNAMED |
1,844 |
60 km |
| 2024 |
RANGE 30 24-03 RX |
1,523 |
73 km |
| 1985 |
CRAWFORD45 |
1,412 |
63 km |
| 2008 |
FOUR MILE |
1,348 |
77 km |
| 2006 |
UNNAMED |
1,267 |
79 km |
| 2010 |
MERIDIAN BOUNDARY COMPLEX (RANGE 9) |
1,202 |
74 km |
| 2011 |
HOWES LAKE |
839 |
68 km |
| 1990 |
CRAWFORD16 |
777 |
90 km |
| 1999 |
MACKINAC3 |
741 |
92 km |
| 1996 |
HAGAMAN ROAD |
658 |
94 km |
| 2006 |
UNNAMED |
575 |
60 km |
| 1987 |
KALKASKA17 |
520 |
76 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 |
|
Horton Bay 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 Horton Bay. 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 Horton Bay
What is the population of Horton Bay?
Horton Bay has a population of 352 residents and is located in Michigan. The population density is 73 people per square mile, spread across 4.8 square miles. The median age of residents is 64.7 years, which is older than the national median of 38.9 years. The population is 58.5% female and 41.5% male.
Is Horton Bay expensive to live in?
Horton Bay 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 $76,833, 2% above the national average of $75,149. The median home value is $275,000 (2% below the U.S. median). The home price-to-income ratio is 3.6x, indicating housing is reasonably affordable relative to local income levels.
Is Horton Bay safe?
Horton Bay is considered a very safe city with a violent crime rate of 106 per 100,000 residents, well below the national average of 380. Property crime occurs at a rate of 1,273 per 100,000 (below the national average). Overall, Horton Bay receives a safety grade of F based on combined crime data.
What is the weather like in Horton Bay?
Horton Bay 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 Horton Bay?
The job market in Horton Bay is very strong, with unemployment at just 1.2% / well below the national rate 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 25 minutes, and 14.6% of workers work from home.
How much does housing cost in Horton Bay?
The median home value in Horton Bay is $275,000. Zillow estimates the typical home value at $392,643. The homeownership rate is 93.6%. The average annual property tax is $8,941.
How are the schools in Horton Bay?
Schools in Horton Bay score 5.6 out of 10 on standardized testing, near the national average. 33.7% of adults in Horton Bay hold a bachelor's degree or higher, below the national average of 33.7%. 98.3% have completed high school. 12.5% hold a graduate or professional degree.
How healthy is Horton Bay?
The obesity rate in Horton Bay is 33.0% (above the national rate of 32.1%). 11.8% of adults are smokers. 17.5% are physically inactive. 26.5% of residents report depression. 4.8% 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 Horton Bay?
The average commute in Horton Bay is 25 minutes. 84.7% of workers drive alone to work, and 14.6% work from home.
What are the demographics of Horton Bay?
The racial and ethnic makeup of Horton Bay is 92% White. 93.7% of residents speak only English at home, while 6.3% speak Spanish. 15.6% of the population are military veterans. 10.3% of residents have a disability. 95.8% have health insurance coverage.
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