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Tower, MI
Full City Profile · Michigan · Cheboygan County County
2.8
/5.0
C+
Fair
271
Population
502/sq mi density
$42,167
Median Income
$20,647 per capita
$91,500
Home Value
$194,492 Zillow
$917
Median Rent
26.9% income on rent
45°F
Avg Temperature
270 sunny days/yr
251
Violent Crime/100K
2,871 property/100K
C+
Overall
2.8 / 5.0
Fair overall score based on economy, affordability, safety and education
B
Economy
3.1 / 5.0
$42,167 median income, 5.1% unemployment
A+
Affordability
5.0 / 5.0
$91,500 home value, $917/mo rent
F
Safety
1.0 / 5.0
251 violent crimes/100K
D
Education
1.9 / 5.0
11.4% bachelor's degree or higher
Cost Overview
Cost of Living Index
96.2
Below national average
100 = US average
Median Monthly Rent
$917
21% below US avg
Avg Annual Property Tax
$5,886
68% above US avg ($3,500)
Fair Market Rents (HUD FY2026)
Studio
$807
per month
1 Bedroom
$891
per month
2 Bedroom
$1,113
per month
3 Bedroom
$1,419
per month
4 Bedroom
$1,588
per month
Childcare Costs
Infant (Center)
$539/mo
$6,468/year
Toddler (Center)
$539/mo
$6,468/year
Preschool (Center)
$442/mo
$5,304/year
Infant (Family)
$635/mo
$7,620/year
Toddler (Family)
$635/mo
$7,620/year
Preschool (Family)
$612/mo
$7,344/year
Healthcare 40 services
| Doctor Visit (Primary Care) | $240.50 |
| Specialist Visit | $336.70 |
| Urgent Care Visit | $192.40 |
| Emergency Room Visit | $2,116.40 |
| Dental Cleaning | $125.06 |
| Dental Filling | $240.50 |
| Root Canal | $962.00 |
| Dental Crown | $1,154.40 |
| Tooth Extraction | $240.50 |
| Wisdom Teeth Removal | $1,443.00 |
| Teeth Whitening | $481.00 |
| Dental Implant | $3,848.00 |
| Eye Exam | $192.40 |
| Glasses (Prescription) | $336.70 |
| Contact Lenses (Annual) | $240.50 annual |
| LASIK (Per Eye) | $2,405.00 per eye |
| X-Ray | $240.50 |
| MRI | $1,443.00 |
| CT Scan | $1,154.40 |
| Ultrasound | $384.80 |
| Blood Test (Basic Panel) | $144.30 |
| Physical Therapy (Session) | $144.30 per session |
| Chiropractor Visit | $72.15 |
| Dermatologist Visit | $240.50 |
| Mental Health Therapy | $168.35 per session |
| Psychiatrist Visit | $288.60 |
| Colonoscopy | $2,405.00 |
| Mammogram | $288.60 |
| Knee Replacement | $33,670.00 |
| Hip Replacement | $30,784.00 |
| Cataract Surgery (Per Eye) | $3,367.00 per eye |
| ACL Surgery | $24,050.00 |
| Appendectomy | $14,430.00 |
| C-Section Delivery | $21,164.00 |
| Normal Childbirth | $12,506.00 |
| Flu Shot | $38.48 |
| COVID Test | $96.20 |
| Prescription (Generic, 30-day) | $14.43 per month |
| Prescription (Brand, 30-day) | $240.50 per month |
| Ambulance Ride | $1,154.40 |
Auto Repair 18 services
| Oil Change (Conventional) | $43.29 |
| Oil Change (Synthetic) | $72.15 |
| Brake Pad Replacement | $288.60 |
| Tire Rotation | $38.48 |
| New Tires (Set of 4) | $577.20 set of 4 |
| Battery Replacement | $192.40 |
| Transmission Repair | $2,886.00 |
| AC Repair | $481.00 |
| Windshield Replacement | $336.70 |
| Wheel Alignment | $96.20 |
| Spark Plug Replacement | $192.40 |
| Alternator Replacement | $481.00 |
| Timing Belt Replacement | $673.40 |
| Car Detailing (Full) | $192.40 |
| Towing (Per Mile) | $4.81 per mile |
| State Inspection | $28.86 |
| Emissions Test | $48.10 |
| Check Engine Diagnostic | $96.20 |
Home Services 25 services
| Plumber (Per Hour) | $96.20 per hour |
| Electrician (Per Hour) | $86.58 per hour |
| HVAC Repair | $384.80 |
| HVAC System Install | $6,734.00 |
| Roof Repair | $962.00 |
| Roof Replacement | $8,658.00 |
| Interior Painting (Avg Home) | $2,405.00 |
| Exterior Painting (Avg Home) | $3,367.00 |
| Pest Control (One-Time) | $192.40 |
| Pest Control (Annual Plan) | $481.00 annual |
| Carpet Cleaning (3 Rooms) | $168.35 |
| Lawn Mowing (Per Visit) | $48.10 per visit |
| Lawn Care (Monthly) | $144.30 monthly |
| Tree Removal | $769.60 |
| Gutter Cleaning | $192.40 |
| Pressure Washing (House) | $288.60 |
| Foundation Repair | $4,810.00 |
| Kitchen Remodel (Mid-Range) | $28,860.00 |
| Bathroom Remodel (Mid-Range) | $11,544.00 |
| Flooring Install | $7.70 per sq ft |
| Window Replacement | $625.30 per window |
| Fence Install (Wood) | $28.86 per ft |
| Garage Door Replacement | $1,154.40 |
| Water Heater Replacement | $1,443.00 |
| Septic Tank Pumping | $384.80 |
Legal 12 services
| Divorce (Uncontested) | $1,443.00 |
| Divorce (Contested) | $14,430.00 |
| DUI Defense | $4,810.00 |
| Bankruptcy (Chapter 7) | $1,443.00 |
| Will Preparation | $481.00 |
| Trust Preparation | $2,405.00 |
| Real Estate Closing | $1,924.00 |
| Traffic Ticket Defense | $288.60 |
| LLC Formation | $481.00 |
| Immigration Consultation | $288.60 |
| Criminal Defense (Misdemeanor) | $2,886.00 |
| Personal Injury (Contingency) | $31.75 % of settlement |
Personal Care 12 services
| Men's Haircut | $24.05 |
| Women's Haircut | $52.91 |
| Hair Coloring (Full) | $144.30 |
| Manicure | $24.05 |
| Pedicure | $38.48 |
| Massage (1 Hour) | $76.96 per session |
| Facial Treatment | $96.20 |
| Gym Membership | $48.10 monthly |
| Personal Trainer (Session) | $67.34 per session |
| Dry Cleaning (Suit) | $14.43 |
| Laundromat (Per Load) | $3.85 per load |
| Spa Day Package | $240.50 |
Food & Grocery 20 services
| Gallon of Milk | $3.94 per gallon |
| Dozen Eggs | $3.37 per dozen |
| Loaf of Bread | $3.66 |
| Chicken Breast | $4.33 per lb |
| Ground Beef | $5.29 per lb |
| Rice | $0.96 per lb |
| Bananas | $0.63 per lb |
| Apples | $1.73 per lb |
| Coffee | $7.22 per lb |
| Gasoline | $3.37 per gallon |
| Fast Food Meal | $9.62 |
| Restaurant Meal (Casual) | $17.32 |
| Restaurant Meal (Fine Dining) | $57.72 |
| Pizza Delivery (Large) | $17.32 |
| Coffee (Cafe Latte) | $5.29 |
| Beer (6-Pack Domestic) | $9.62 |
| Wine (750ml, Mid-Range) | $14.43 |
| Cigarettes (Pack) | $8.18 per pack |
| Baby Formula (Can) | $24.05 |
| Dog Food (Monthly) | $48.10 monthly |
Utilities 8 services
| Electricity (Monthly) | $134.68 monthly |
| Natural Gas (Monthly) | $67.34 monthly |
| Water/Sewer (Monthly) | $67.34 monthly |
| Internet (Monthly) | $67.34 monthly |
| Cell Phone Plan (Monthly) | $62.53 monthly |
| Cable TV (Monthly) | $81.77 monthly |
| Trash Collection (Monthly) | $33.67 monthly |
| Home Insurance (Annual) | $1,924.00 annual |
Transportation 8 services
| Monthly Parking (Downtown) | $192.40 monthly |
| Car Insurance (Annual) | $1,924.00 annual |
| Bus Pass (Monthly) | $67.34 monthly |
| Taxi/Uber (5-Mile Ride) | $14.43 |
| Car Registration (Annual) | $96.20 annual |
| Driver's License Renewal | $28.86 |
| Tolls (Monthly Commuter) | $48.10 monthly |
| Vehicle Property Tax (Annual) | $384.80 annual |
Education & Childcare 8 services
| Daycare (Infant, Monthly) | $1,154.40 monthly |
| Daycare (Toddler, Monthly) | $962.00 monthly |
| After-School Care (Monthly) | $384.80 monthly |
| Tutoring (Per Hour) | $48.10 per hour |
| SAT/ACT Prep Course | $962.00 |
| Private School (K-12, Annual) | $12,025.00 annual |
| Community College (Annual) | $3,848.00 annual |
| State University (Annual) | $9,620.00 annual |
Pets 9 services
| Vet Visit (Routine Checkup) | $57.72 |
| Dog Vaccination (Annual) | $96.20 annual |
| Dog Grooming | $57.72 |
| Pet Boarding (Per Night) | $38.48 per night |
| Dog Spay/Neuter | $288.60 |
| Cat Spay/Neuter | $192.40 |
| Pet Emergency Visit | $769.60 |
| Dental Cleaning (Dog) | $384.80 |
| Microchipping | $48.10 |
Complete Cost Data
Housing Costs
| Cost of Living Index | 96.2 |
| Median Rent | $917 |
| Rent Burden | 26.9% |
| Property Tax (IRS) | $5,886 |
| FMR Studio | $807 |
| FMR 1-Bedroom | $891 |
| FMR 2-Bedroom | $1,113 |
| FMR 3-Bedroom | $1,419 |
| FMR 4-Bedroom | $1,588 |
Childcare (Monthly)
| Infant (Center) | $539 |
| Toddler (Center) | $539 |
| Preschool (Center) | $442 |
| Infant (Family) | $635 |
| Toddler (Family) | $635 |
| Preschool (Family) | $612 |
Income Context
| Median Income | $42,167 |
| Per Capita Income | $20,647 |
| IRS Avg AGI | $62,647 |