Mio, Michigan.
Typical home $123,224 (+1.0% in a year).
to buy the typical home at today's mortgage rate — +$362 (+127%) since Jan 2020.
- 1 year
- Up $1,269 +1%
- $121,955$123,224 since Sep 2025
- 5 years
- Up $24,635 +25%
- $98,589$123,224 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.
- Mio$647
- Michigan$1,384
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 16 years.
Typical home values in Mio, MI rose 1.0% over the past year — in step with the nation.
Living in Mio, Oscoda County, Michigan
Mio, in Oscoda County, had 1,690 people in the 2020 census. Half its households earn more than $40,750 a year and half less, against $49,515 across Oscoda County; 26% of its people live below the poverty line. 77% of its homes are lived in by their owners and 23% 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 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 It can be wrong or out of date.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. Mio is a small community in Oscoda County, and most of its homes are lived in by their owners. Incomes here run below the county's, and a larger share of residents live below the poverty line than is typical, with home values that are modest. Winters are cold, with January the coldest month, and summers are warm without being hot.
Work. Residents work mainly in manufacturing, in restaurants, hotels and entertainment, in schools, hospitals and social care, and in shops. Across Oscoda County, some of the largest workplaces are Thunder Bay Community Health Service, Whaley Steel and Mio-AuSable Schools. Unemployment in the county is a little lower than a year ago, and the number of jobs has barely changed.
Things to do. Much of the outdoor recreation near Mio is a longer drive away. Huron National Forest is a large protected area, and the Black River is a river good for time on the water. Hartwick Pines State Park is another protected area for walking among the trees.
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- 704households
- 18%of adults have a degree
- 26%below the poverty line
- 6%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, under a mile 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 across the county; Mio has one 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
- LightningVery high
- WildfireRelatively moderate
- Cold wavesRelatively moderate
- HailRelatively moderate
- Strong windRelatively moderate
- Inland floodingRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Mio’s census tracts, against the rest of the country; all of them together, relatively 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.
Mio home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Mio$123,224
- 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 5 Mio listings — the market is heating up.
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.
- Mio19.31%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Mio42
New listings per month
Sellers arriving at the market.
- Mio13
Zip codes with a Mio address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Mio — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.