Luzerne, Michigan.
Typical home $122,786 (+4.7% in a year).
to buy the typical home at today's mortgage rate — +$346 (+116%) since Jan 2020.
- 1 year
- Up $5,527 +5%
- $117,259$122,786 since Sep 2025
- 5 years
- Up $18,757 +18%
- $104,030$122,786 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.
- Luzerne$644
- Michigan$1,384
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 21 years.
Typical home values in Luzerne, MI rose 4.7% over the past year — faster than the nation's +1.2%.
Living in Luzerne, Oscoda County, Michigan
The Census does not count Luzerne on its own, so the figures here are Oscoda County's. Half the county's households earn more than $49,515 a year and half less; 17% of the county's people live below the poverty line. 87% of the county's homes are lived in by their owners and 13% are rented. Unemployment in Oscoda County was 8.6% in August 2026, and the county had 0.1% fewer jobs in 2025 than the year before. The most people in Oscoda County work in manufacturing, then restaurants and hotels.
Written by AI Claude Haiku 5.5 wrote this on 22 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 It can be wrong or out of date.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. Luzerne is a small community in Oscoda County, in the northern part of Michigan's Lower Peninsula. Across Oscoda County, most homes are lived in by their owners, and residents are older on average than in most of the country. Many people here have lived in the area for a long time, and the pace of life tends to follow the seasons.
Work. Across Oscoda County, many people work in manufacturing, in restaurants, hotels and entertainment, in schools, hospitals and social care, and in shops. Unemployment was a little lower than the year before, while the number of jobs was a little lower too. Relatively few residents work from home, so most people commute to their jobs.
Things to do. The Au Sable River is a river a longer drive away, and it draws people who enjoy being on the water. Higgins Lake, a lake also a longer drive away, is one of the best known lakes in the area. Huron National Forest, a protected area a longer drive away, offers wide stretches of woods to explore.
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- 3,788households
- 52.5median age
- 16%of adults have a degree
- 17%below the poverty line
- 29 mintypical commute
- 12%work from home
What people in Oscoda County work in
Employed residents by industry, from the Census survey. Oscoda County had 1,363 jobs in 2025, 0.1% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 29° and lows near 12°; warmest in July, with highs near 81° and lows near 56°.
Average daily high and low, 1991–2020, at the Mio Hydro Plt weather station, 9 miles away (NOAA).
Largest workplaces in Oscoda County
- Whaley SteelConcrete reinforcement placement200
- Mio-AuSable SchoolsSchool district66FTE
- Wellspring Lutheran ServicesSkilled nursing facilities57
- Whaley ConstructorsIndustrial building construction50
- SpartanNashSupermarkets and other grocery except convenience stores42
- Fairview Area School DistrictSchool district41FTE
- Forest ServiceFederal government · Department of Agriculture36
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 4 workplaces with 20 or more staff, 349 people in all. 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
- LightningRelatively high
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms across Oscoda County, against the rest of the country; all of them together, very low. 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 Oscoda County.
Luzerne home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Luzerne$122,786
- 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.
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
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Luzerne11
New listings per month
Sellers arriving at the market.
Not enough data to draw this yet.
Zip codes with a Luzerne address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Luzerne — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.