Canfield, OH vs Ludington, MI: Cost of Living

Which city costs less?

Ludington, MI has a modeled overall cost index 0.2% lower than Canfield, OH.

Canfield, OH · modeled 2BR rent
$990 / month
Ludington, MI · modeled 2BR rent
$1,050 / month

These are saved estimates, not current rental listings. Some cities use adjusted regional data. Your household budget can differ from the overall index. Sources and assumptions

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Cost of Living Comparison 2026

Compare Canfield, OH and Ludington, MI using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Saved regional estimates · Sources and assumptions

$
Numbers update automatically as you type

Estimated savings: $45.70/month in Ludington, MI

$150,000 in your current city has a modeled equivalent of $149,452 in Ludington, MI

Regional cost estimates: Canfield, OH uses Cleveland, OH. Ludington, MI uses Milwaukee, WI. Available city ZIP rent estimates are shown separately.
Overall Cost
↓ 0.2%
Less expensive
Monthly Impact
$45.70
Savings
Annual Impact
$548
Per year

Assumes 60% of current gross income goes to living costs. The headline uses the category budget below; taxes, moving costs and savings goals are excluded.

Canfield, OH

Population:8K
Cost Index:
79.1
100 = national average
Typical Home:$307K

Ludington, MI

Population:8K
Cost Index:
78.9
100 = national average
Typical Home:$284K

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Canfield, OH

The Buckeye State

8K
Population
State Tax
Yes

Located in Ohio, this city has a population of 8K residents.

Ludington, MI

The Great Lakes State

8K
Population
State Tax
Yes

Located in Michigan, this city has a population of 8K residents.

Cost Breakdown by Category

Estimated monthly spending: Canfield, OH vs Ludington, MI

Assumes 60% of your current gross income is spent on these categories. The headline and totals use this same budget. Rent estimates below are separate reference data. Rounded amounts may differ by $1.

Healthcare
↑ 29.4%
Canfield, OH
$627
Ludington, MI
$811
Difference
$184
more
Other
↓ 7.2%
Canfield, OH
$1,820
Ludington, MI
$1,689
Difference
$131
less
Transportation
↓ 7.4%
Canfield, OH
$1,597
Ludington, MI
$1,479
Difference
$118
less
Groceries
↓ 6.2%
Canfield, OH
$1,154
Ludington, MI
$1,083
Difference
$71.04
less
Housing
↑ 4.0%
Canfield, OH
$1,750
Ludington, MI
$1,819
Difference
$69.25
more
All Utilities
↑ 3.7%
Canfield, OH
$553
Ludington, MI
$574
Difference
$20.70
more

🏠Rent Comparison

Studio
From$750
To$740
↓ $10.00
1 Bed
From$780
To$830
↑ $50.00
2 Bed
From$990
To$1,050
↑ $60.00
3 Bed
From$1,290
To$1,400
↑ $110
Canfield, OHZIP-level data

1BR range: $780–$780/mo

Ludington, MIZIP-level data

1BR range: $830–$830/mo

💡 Note: HUD Fair Market Rents estimate 40th-percentile gross rents, including most tenant-paid utilities. City ZIP summaries are medians of those estimates, not market median rents. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,500
Monthly in Canfield, OH
$7,454
Monthly in Ludington, MI
$45.70
Difference

Home Values

Canfield
Ludington
$307K
Median Value
$284K
↑ +4.8%
YoY Change
↑ +2.2%
↑ +45.1%
5-Year Change
↑ +32.5%

Homes in Ludington are 7% less expensive than Canfield

Calculate payment - CanfieldCalculate payment - Ludington

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↓ $1.9K
More taxes
Monthly Difference
$162
Less take-home
Effective Rate Diff
1.3%
Rate difference

Canfield, OH

Federal Income Tax
Effective: 18.9%
$25.5K
Ohio State Tax
Effective: 3.0%
$4.4K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 27.6%
$41.4K
Take-Home Pay
$9,047/month
$108.6K

Ludington, MI

Federal Income Tax
Effective: 18.9%
$25.5K
Michigan State Tax
Effective: 4.3%
$6.4K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 28.9%
$43.4K
Take-Home Pay
$8,884/month
$106.6K

Additional Tax Information

Canfield, OH Tax Rates

Sales Tax:7.2%
Property Tax:1.6%

Ludington, MI Tax Rates

Sales Tax:6.0%
Property Tax:1.4%

💡 Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.

Environment

Canfield
Ludington
54 Moderate
Air Quality
43 Good
37.2%
Good Air Days
68.6%
98 High
Climate Risk
98 High
🌊🌡🌪
Top Hazards
🌊🌡🌪
▲+3.3°F
2050 Outlook
▲+3.3°F
11 days
Heat Days >95°F
13 days
▲+3.3°F
2050 Outlook
▲+3.3°F
11 days
Heat Days >95°F
13 days

Before moving from Canfield, OH to Ludington, MI

Use this comparison to shortlist a move, then check the costs that depend on your household.

  1. Compare actual homes. Get current quotes in Ludington, MI for the same bedroom count and included utilities as your home in Canfield, OH. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
  2. Confirm your income. Check your expected pay with your employer, including any location adjustment. Use “Different salary at destination?” above to compare two incomes. The budget model excludes taxes and one-time moving costs; it is not a take-home-pay calculation.
  3. Price your daily routine. Check the commute from a specific address to work, school or childcare. Add household expenses missing from this model, such as childcare, debt payments and medical needs. Verify local services before signing a lease.
  4. Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Canfield to Ludington moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Ludington, MI by cost, housing, population and region.

Frequently Asked Questions: Canfield, OH vs Ludington, MI

How do the cost estimates for Canfield, OH and Ludington, MI compare?

Ludington, MI has a modeled overall cost index 0.2% lower than Canfield, OH. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in Canfield, OH, the model estimates $149,452 in Ludington, MI. It allocates 60% of gross income to the origin city’s category budget and applies each destination category’s relative cost. The equivalent salary adds the total category difference to your income. The monthly difference is the same category difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for Canfield, OH and Ludington, MI?

The modeled two-bedroom rents are $990/month in Canfield, OH and $1,050/month in Ludington, MI. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.

💰 See how taxes change too — compare take-home pay between Ohio and Michigan on TaxTakeHome.com

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