Harbor Springs, MI population, income and ZIP codes

Harbor Springs city is a small town in Michigan, with 1,015 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #435 of 745 ranked by population — larger than 41% of them. The median age here is 64.9 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in Harbor Springs city earn a median of $60,556 a year, 22.9% below the national figure of $78,538 and within a couple of points of the $61,715 median for the 438 Michigan cities we cover. Household income here is measured before tax and pooled across everyone at the address, which is why it reads higher than typical individual earnings in the same area. Poverty reaches 10% of residents here, below the 12.4% national rate.

The typical owner-occupied home in Harbor Springs city is valued at $368,100, 21.3% above the national figure and 122% above the $166,100 peer median, while median gross rent runs $950 a month, 32.4% below the national figure, or roughly $11,400 across a full year. A household on the local median income would put about 18.8% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 6.1×, against roughly 3.9× nationally, so buying is out of reach on local earnings alone and the ownership market leans on outside income, equity or dual high earners. 74.4% of occupied homes are owner-occupied versus 65% nationally, so the market leans toward owners. Rent is reported gross — contract rent plus tenant-paid utilities — which is why it runs above the advertised price on a listing for the same unit.

Home values sit at 6.1× median household income, far past the 3.9× national mark, so ownership costs here are set by something other than local wages — second homes, retirees with equity, or commuters earning elsewhere. A median age of 64.9 puts Harbor Springs city well into retirement-weighted territory, which pulls median household income down even where household wealth is high, because retirement draws are counted differently from wages.

All values below were released by the Census for this exact geography, with no gap-filling on our side. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.