Luther, Michigan.
Typical home $168,096 (+5.6% in a year).
to buy the typical home at today's mortgage rate — +$538 (+156%) since Jan 2020.
- 1 year
- Up $8,851 +6%
- $159,245$168,096 since Sep 2025
- 5 years
- Up $31,160 +23%
- $136,936$168,096 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Luther$882
- Michigan$1,384
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 17 years.
Typical home values in Luther, MI rose 5.6% over the past year — faster than the nation's +1.2%.
Living in Luther, Lake County, Michigan
Luther is a village of 332 people in Lake County. Unemployment in Lake County was 6.2% in August 2026, and the county had 1.6% fewer jobs in 2025 than the year before. The most people in Lake County work in manufacturing, then schools and health care.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Luther is a very small village in Lake County, in the woods of northern lower Michigan. Homes here cost well below what is typical for the country, and household incomes across the county sit below the state's usual level. Winters are cold and long, with a good deal of snow, and summers are mild and comfortable.
Work. Residents work mostly in manufacturing, in schools, hospitals and social care, in shops, and in restaurants, hotels and entertainment. Across Lake County, the biggest workplaces include Baldwin Community Schools, Grand Oaks Nursing and Rehabilitation Center and the Lake County Road Commission. Unemployment across the county is a little lower than a year ago, though the county has fewer jobs than it did the year before, and a typical commute is a long one.
Things to do. Pere Marquette State Forest, a protected woodland, is a short drive away. A longer drive brings you to Manistee National Forest, another large protected area, and to the Clam River for time on the water. For a day out with some history, the Shrine of the Pines is a museum a longer drive away.
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- 136households
- 21%of adults have a degree
- 33 mintypical commute
What people in Lake County work in
Employed residents by industry, from the Census survey. Lake County had 1,694 jobs in 2025, 1.6% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 27° and lows near 11°; warmest in July, with highs near 79° and lows near 57°. About 37 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Cadillac 9&10 News weather station, 18 miles away (NOAA).
Largest workplaces in Lake County
- Baldwin Community SchoolsSchool district124FTE
- Grand Oaks Nursing and Rehabilitation CenterNursing homes96
- Lake County Road CommissionPothole filling, highway, road, street or bridge36
- Peacock IndustriesChemical milling job shops36
- Forest ServiceFederal government · Department of Agriculture35
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 3 workplaces with 20 or more staff, 168 people in all across the county; Luther has none of its own. School districts come from the Common Core of Data (NCES, 2023–24) and federal offices from OPM's federal workforce data (2026); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Winter weatherVery high
- Strong windVery high
- LightningRelatively high
- Inland floodingRelatively moderate
- Cold wavesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Luther’s census tracts, against the rest of the country; all of them together, relatively moderate. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Lake County.
Luther home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Luther$168,096
- Michigan$263,760
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 3 Luther listings — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Luther35.48%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Luther21
New listings per month
Sellers arriving at the market.
Not enough data to draw this yet.
Zip codes with a Luther address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Luther — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.