County file · Michigan · Seat: St. Ignace
Mackinac County home appraisals
Shoreline and island access drive home values in Mackinac County. Census QuickFacts puts the median owner occupied value at $174,500 for 2020 to 2024. Zillow's typical home value was $242,475 in September 2026, up 7.9% year over year. The census counts seasonal homes as vacant, and 52.1% of the county's 10,519 housing units were vacant in 2020. Mackinac Island and Bois Blanc Island price on their own terms.
$174,500Median owner occupied home value, 2020 to 2024 ACS (Census QuickFacts)
$242,475Zillow typical home value, Mackinac County, data through Sept. 30, 2026
52.1%Share of housing units counted vacant, 2020 Census (Wikipedia)
$541,2872026 FHA one unit loan limit, Mackinac County (Homebuyer.com)
Market files in Mackinac County
St. IgnaceAt the north end of the Mackinac Bridge, St. Ignace is the county seat and a ferry port for Mackinac Island.Open market file →Mackinac IslandNo cars and a state park covering about 80% of the island limit what can be built on Mackinac Island.Open market file →Les CheneauxThirty six islands off the Lake Huron shore give Clark Township most of its waterfront.Open market file →Moran and BrevortLake Michigan shoreline, Brevoort Lake and Hiawatha National Forest land shape the market west of St. Ignace.Open market file →Engadine and NaubinwayCommercial fishing, US-2 traffic and Lake Michigan frontage set the tone in Garfield Township.Open market file →Curtis and the Manistique LakesCurtis sits on an isthmus between Manistique Lake and South Manistique Lake.Open market file →Bois Blanc IslandBois Blanc Island is its own township in the Straits of Mackinac, reached by one car ferry from Cheboygan and a paved airstrip.Open market file →
Common questions
Why does the census show half the county's homes as vacant?
The census counts a home as vacant when nobody lives there as a primary residence on census day, and seasonal cottages fall in that group. In 2020, 52.1% of Mackinac County's 10,519 housing units were vacant. Bois Blanc Township shows the pattern clearly: the 2020 to 2024 ACS estimates 534 housing units there and just 18 households.
Which Mackinac County homes run past the 2026 FHA limit?
The 2026 FHA one unit limit for Mackinac County is $541,287 and the conforming limit is $832,750, per Homebuyer.com. Mackinac Island's ACS median owner value was $733,300 for 2020 to 2024, well over the FHA cap. Mainland city and township medians ranged from $98,000 in Hudson Township to $230,300 in Moran Township.