Swartz Creek is a small town of 5,865 in Michigan, with a median household income of $70,210
and a 0.9% unemployment rate.
Its cost of living index is 90 (US average = 100), which is
10% below the national average.
Strengths:
Swartz Creek stands out for an affordable cost of living, below-average home prices.
Trade-offs:
No major red flags stand out in the available data. Whether Swartz Creek is right for you depends on your priorities — the full breakdown is below.
All Swartz Creek city data on this page comes from official government sources —
the US Census Bureau, FBI, NCES, BEA, and NOAA — updated annually.
Cost of Living
Index: 89.8
Swartz Creek's overall cost of living index is 89.8,
where 100 represents the US national average.
Living in Swartz Creek costs roughly 10% less than the average American city.
Metric
Swartz Creek, MI
National Avg
Median Home Value
$156,200
$244,900
Median Monthly Rent
$937
$1,163
Homeownership Rate
71.4%
65.9%
Median Household Income
$70,210
$74,755
Crime & Safety
Safer than Average
Swartz Creek's violent crime rate is 346.5 per 100,000 residents
— 9% lower than the national average of ~380 per 100,000.
Violent Crime
346.5 /100k
Property Crime
674.7 /100k
Vertical marker = national average. Source: FBI UCR Program.
Schools & Education
Swartz Creek is served primarily by Swartz Creek Community Schools.
The student-to-teacher ratio is 18.7:1
(slightly above the national average of ~16:1).
Metric
Swartz Creek, MI
National Avg
School District
Swartz Creek Community Schools
—
Elementary Schools
5
—
Middle Schools
1
—
High Schools
2
—
Student/Teacher Ratio
18.7:1
16:1
Bachelor's Degree or Higher
22.0%
35.4%
High School Diploma or Higher
95.0%
91.1%
Weather & Climate
Swartz Creek sees average highs of 29.9°F in January
and 82.1°F in July,
with 32.0 inches of annual precipitation
and 52.1 inches of snow per year.
Swartz Creek's cost of living index is 90, where 100 is the national average.
That makes Swartz Creek roughly 10% less expensive than a typical US city — a meaningful affordability advantage.
The median home price is $156,200 and median rent is $937/month.
Swartz Creek's violent crime rate is 346.5 per 100,000 residents — the national average is ~380 per 100,000. Property crime is 674.7 per 100,000 (national avg ~2,100). Data from the FBI Uniform Crime Reporting Program.
Public schools in Swartz Creek are operated by Swartz Creek Community Schools.
The district has 5 elementary, 1 middle, and 2 high schools.
The student-to-teacher ratio is 18.7:1. 22.0% of adults 25+ hold a bachelor's degree or higher.
Swartz Creek, MI has a population of 5,865, a median household income of $70,210, and an unemployment rate of 0.9%.
It offers below-average costs of living, which stretches take-home pay further than in most American cities. Whether it's right for you depends on your priorities — use the compare tool above to stack it against another city you're considering.
Swartz Creek averages 29.9°F in January and 82.1°F in July. Annual rainfall is 32.0 inches
with about 52.1 inches of snow per year.
Based on NOAA 30-year climate normals (1991–2020).
Swartz Creek, MI is covered by 1 ZIP code: 48473.
The population of Swartz Creek, Michigan is 5,865 with a median age of 43.2. Source: US Census ACS 5-Year Estimates.
Key numbers for living in Swartz Creek: cost of living index 90 (100 = US average), median home $156,200, median household income $70,210, crime index 68 (100 = US average, lower is safer), schools rated C+. Whether these are benefits or drawbacks depends on where you're coming from — compare Swartz Creek side by side with your current city to see the trade-offs.
