Real Estate Statistics
| Average Price | $884K |
|---|---|
| Lowest Price | $50K |
| Highest Price | $8.5M |
| Total Listings | 199 |
| Avg. Price/SQFT | $395 |
Property Types (active listings)
Browse Harbor Springs Real Estate Listings
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- Under $100,000
- $100,000 - $200,000
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- $600,000 - $700,000
- $700,000 - $800,000
- $800,000 - $900,000
- $900,000 - $1,000,000
- Over $1,000,000
Harbor Springs, MI Homes for Sale: Discover 21 Reasons to Buy in This Idyllic Lakeside Town
Introduction to Harbor Springs, MI
If you're dreaming of a home where charm meets sophistication, look no further than Harbor Springs, MI. This lakeside gem on the northern tip of Michigan’s Lower Peninsula blends timeless beauty, natural wonder, and upscale living—all in one postcard-perfect package.
From the rolling ski hills of Nub's Nob and The Highlands at Harbor Springs to the glittering waters of Little Traverse Bay, Harbor Springs offers not just a place to live, but a way of life. Whether you're a full-time resident or seasonal dweller, owning a home in Harbor Springs is an investment in tranquility, community, and recreation.
Where Is Harbor Springs? A Geographic Snapshot
Nestled along the shores of Little Traverse Bay on Lake Michigan, Harbor Springs is surrounded by natural beauty. It lies across the bay from Petoskey and just minutes from Charlevoix, offering easy access to nearby towns and attractions. It’s about a four-hour drive from Detroit and five hours from Chicago, making it accessible but still secluded enough to feel like a getaway.
Small Town Charm Meets Luxury Living
Don’t let the town’s modest size fool you—Harbor Springs packs a punch when it comes to luxury living. Boutique shops, high-end restaurants, art galleries, and yacht clubs elevate the area’s profile while preserving its tight-knit, small-town vibe. It's the kind of place where neighbors know your name, and your morning coffee comes with a lakeside view.
Check out this video for a look at the Harbor Springs Community
Harbor Springs Real Estate Market Overview
Types of Homes Available
The Harbor Springs real estate market is remarkably diverse. Buyers will find:
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Waterfront homes with private docks
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Historic Victorian houses near downtown
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Golf course estates in gated communities
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New construction homes with energy-efficient designs
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Ski-in/ski-out condos and resort cottages
Whether you’re in the market for a weekend escape or a year-round sanctuary, there’s something for everyone.
There are many different housing options in Harbor Springs including condominiums for sale, downtown homes for sale, golf homes for sale, land lover homes for sale, luxury homes for sale, and waterfront homes for sale.
Median Home Prices and Trends
As of 2025, the median home price in Harbor Springs hovers around $550,000, although waterfront estates and ski-side homes can command upwards of $1.5M. The market has seen steady growth in recent years, driven by out-of-state buyers seeking nature and lifestyle over city sprawl.
Market Inventory and Turnover Rate
While inventory can be tight—especially in peak seasons—the demand remains high. Homes typically stay on the market for 30–60 days, and competitively priced properties often receive multiple offers.
Neighborhoods and Communities
Downtown Harbor Springs
Walkable, quaint, and filled with charm, Downtown Harbor Springs features historic homes and updated cottages close to marinas, parks, and restaurants.
Beach Drive and Waterfront Estates
Luxury lives here. Beach Drive is lined with homes that boast sweeping views of the bay, private beaches, and high-end finishes.
Birchwood Farms Golf & Country Club
A gated golf course community, Birchwood offers resort-style amenities including golf, tennis, dining, and a fitness center—ideal for both retirees and active families.
Resort Cottages and Ski-In/Ski-Out Properties
Near The Highlands at Harbor Springs and Nub’s Nob, these properties are perfect for snow lovers. Many come fully furnished and make great short-term rentals when not in use.
The following are our favorite Harbor Springs condominium communities:
Arthur Hills
Arthur Hills Condominiums offer a refined blend of luxury and tranquility in the heart of Harbor Springs, Michigan. Nestled ...
Bank Building Professional
Harbor Springs is a charming waterfront town nestled along the shores of Little Traverse Bay, offering residents a peaceful ...
Bay Point
Located along the serene shores of Little Traverse Bay, Bay Point Condominiums offer a premier waterfront living experience ...
Bay Street Cottages
Nestled along one of Harbor Springs’ most picturesque streets, Bay Street Cottages offer a rare opportunity to own a s...
Bluffside
Perched high above Little Traverse Bay, Bluffside Condos in Harbor Springs, MI offer breathtaking views, peaceful surroundin...
Breakers East
Tucked along the scenic shores of Little Traverse Bay, Breakers East Condominiums in Harbor Springs, Michigan, offer an exce...
Cedar Cove
Cedar Cove is an exclusive waterfront community located in the heart of Harbor Springs, Michigan, offering residents unparal...
Cedar Shores West
Cedar Shores West is a peaceful lakefront condo community in Harbor Springs, MI, offering stunning views of Lake Michigan an...
Colonial Weque
Colonial Weque is a charming lakeside condominium community nestled in the heart of Harbor Springs, Michigan. Known for its ...
Fairways
Nestled alongside one of Harbor Springs' premier golf courses, Fairways Condominiums offer a harmonious blend of resort-styl...
Hamlet Village
Located just minutes from the heart of Harbor Springs and nestled at the base of Nub’s Nob Ski Resort, Hamlet Village ...
Harbor Cove
Nestled along the picturesque shores of Lake Michigan, Harbor Cove Condominiums in Harbor Springs offer an exceptional blend...
Harbor Place
Nestled in the heart of Harbor Springs, Harbor Place Condominiums offer an exceptional blend of lakeside tranquility and sma...
Hideaway Valley
Nestled in the scenic countryside just minutes from downtown Harbor Springs, Hideaway Valley Condominiums offer a tranquil, ...
L'Arbe Croche
L’Arbre Croche is an exclusive gated community nestled along the stunning shores of Lake Michigan in Harbor Springs, M...
Marina Village
Welcome to Marina Village, a prestigious waterfront community nestled along the sparkling shoreline of Little Traverse Bay i...
Penn House
Nestled in the heart of Harbor Springs, Penn House Condominiums offer a rare opportunity to experience small-town charm with...
Perry Farm Village
Perry Farm Village is a vibrant and welcoming residential community nestled in the heart of Harbor Springs, Michigan. Design...
Provence
Nestled in the heart of scenic Harbor Springs, Provence Condominiums offer an elegant blend of timeless architecture and mod...
State and Main Condo Association
State and Main Association Condominiums are located in the heart of downtown Harbor Springs, Michigan, offering residents a ...
Tannenbaum
Tannenbaum Condominiums are located in the charming and picturesque town of Harbor Springs, MI. Known for its breathtaking l...
Trout Creek
Nestled in the charming town of Harbor Springs, Michigan, Trout Creek Condominiums offer a perfect blend of serene natural b...
Windward
Welcome to Winward Condominiums, an exclusive residential community nestled in the heart of beautiful Harbor Springs, Michig...
Lifestyle Benefits of Living in Harbor Springs
Year-Round Outdoor Recreation
Harbor Springs is a four-season playground:
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Winter: Skiing, snowboarding, snowshoeing
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Spring: Hiking the North Country Trail, mushroom foraging
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Summer: Boating, fishing, golfing, and beach days
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Fall: Leaf-peeping and harvest festivals
Dining, Shopping & Local Culture
From The New York Restaurant to Teddy Griffin’s Roadhouse, foodies will find plenty to savor. The downtown strip is home to artisan shops, ice cream parlors, and local art galleries that give the town its eclectic soul.
School System and Education Options
Harbor Springs Public Schools are ranked among the top in Michigan, with small class sizes and robust extracurriculars. Private and Montessori options are also available.
Safety and Sense of Community
With its low crime rate and friendly atmosphere, Harbor Springs offers peace of mind alongside natural beauty. Community events, from the Fourth of July Parade to Blessing of the Fleet, foster a strong local bond.
Seasonal Living and Second Homes
Why It’s Popular for Vacation and Summer Homes
Many Harbor Springs homeowners spend their summers here and winter elsewhere. It’s the kind of place you fall in love with and just keep coming back to—thanks to:
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Stunning sunsets
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Peaceful lakeside living
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World-class golf and ski resorts nearby
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A vibrant summer event schedule
Investment Property Opportunities
Vacation homes in Harbor Springs can double as short-term rentals during peak seasons. High occupancy rates and premium nightly rates make it a lucrative choice for investors.
Waterfront and Lakeview Properties
Lake Michigan and Little Traverse Bay Access
Homes with lake frontage are among the most coveted. They offer direct access to boating, kayaking, and paddleboarding—not to mention unbeatable sunsets.
Amenities Commonly Found in Waterfront Homes
These luxury homes often include:
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Private docks and boat lifts
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Outdoor kitchens and fire pits
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Expansive decks and screened-in porches
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Floor-to-ceiling windows with panoramic views
Historic and Architectural Home Styles
Colonial, Victorian, and Modern Craftsman Styles
Harbor Springs is a treasure trove of architecture. Historic downtown homes feature wraparound porches and preserved millwork, while modern builds incorporate coastal craftsman touches with stone, cedar, and glass.
Renovation Trends and Historic Preservation
Many homes have been lovingly restored with modern upgrades—think gourmet kitchens inside 100-year-old facades. The city promotes preservation through grants and tax incentives.
Green Homes and Energy Efficiency
Sustainability Trends in Northern Michigan
Buyers are increasingly interested in energy-efficient homes. Features such as solar panels, smart thermostats, and high-efficiency HVAC systems are becoming standard in new builds and renovations.
Smart Home Integration in Harbor Springs
Modern homes often come with:
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Wi-Fi-enabled lighting and security
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Smart appliances
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Remote heating and cooling control
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Leak detection and smart irrigation systems
Financing a Home in Harbor Springs
Mortgage Options for Primary and Second Homes
When buying in Harbor Springs, understanding your financing options is essential. Most buyers pursue one of the following loan types:
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Conventional loans: Ideal for well-qualified borrowers.
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Jumbo loans: Common for luxury and waterfront properties over $750,000.
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Second home financing: Tailored for seasonal buyers with favorable interest rates.
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Portfolio loans: Often used for unique properties or those purchased as investment rentals.
Local credit unions and regional banks such as Huntington Bank or Independent Bank offer personalized service and may have unique insight into the Northern Michigan market.
Property Taxes and Local Incentives
While Michigan doesn’t have the lowest property taxes, Harbor Springs offers good value. Taxes vary by township, but millage rates are generally competitive. Buyers may also benefit from:
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Principal Residence Exemption (PRE): Reduces taxes for full-time residents.
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Homestead tax credits
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Energy-efficient renovation tax incentives
It's wise to speak with a local CPA or real estate attorney to fully understand your financial obligations and benefits.
Working with a Local Expert Realtor
Why Choose BrookWalsh.com
When it comes to Harbor Springs homes for sale, no one knows the market like Brook Walsh. With deep roots in Northern Michigan, Brook combines local insight with data-driven strategy. At BrookWalsh.com, buyers benefit from:
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Exclusive listings not found on national sites
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Personalized property tours
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Investment guidance based on ROI potential
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Expert negotiation and closing support
Importance of Local Market Knowledge
A local broker understands not just the neighborhoods, but the micro-market dynamics. Whether you're eyeing a spot in Birchwood Farms or a lakefront stunner near Beach Drive, having a boots-on-the-ground expert ensures you don’t miss out on the perfect opportunity.
Step-by-Step Home Buying Process
From Search to Closing
Here’s a simplified breakdown of the buying journey:
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Get Pre-Approved: Know your budget.
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Define Your Priorities: Primary home, vacation retreat, or investment property?
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Tour Homes: Work with your agent to schedule showings.
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Make an Offer: Your realtor will prepare a competitive offer.
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Inspection and Appraisal: Ensure the property is sound.
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Secure Financing: Finalize your mortgage details.
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Close the Deal: Sign papers, get the keys, and start living the dream!
Tips for Out-of-State and International Buyers
Buying remotely? No problem. Harbor Springs is used to hosting buyers from across the country (and globe). Ask your agent for:
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Virtual home tours
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E-signature document workflows
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Local title and escrow services
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Remote notarization options
Brook Walsh and his team specialize in seamless out-of-state transactions, ensuring everything flows smoothly—even if you’re miles away.
Frequently Asked Questions
Q. What’s the average home price in Harbor Springs, MI?
A. The average home price in Harbor Springs is around $550,000, with luxury waterfront or golf course homes ranging from $900,000 to $2M+ depending on location and amenities.
Q. Are there any new construction homes available?
A. Yes! Several developments near the ski resorts and within Birchwood Farms offer newly built homes with modern features like smart tech, energy efficiency, and open floor plans.
Q. Can I find homes with boat slips or private docks?
A. Absolutely. Many Little Traverse Bay waterfront homes include private docks, moorings, or access to community marinas. These homes tend to be premium-priced but offer unmatched lake access.
Q. Is Harbor Springs a good place to retire?
A. Harbor Springs is an ideal retirement destination thanks to its peaceful setting, strong community, excellent healthcare access, and outdoor recreation. The area also offers low crime, local dining, and golf clubs—perfect for retirees seeking both relaxation and activity.
Q. What kind of rental income can I expect from a second A. home?
Rental income varies by season and location. In peak summer and ski months, short-term rentals in Harbor Springs can generate $3,000–$7,000+ per month, depending on the size, location, and amenities of the home.
Q. Are there HOA fees in Harbor Springs communities?
A. Some communities like Birchwood Farms or condo developments have HOA fees that cover landscaping, snow removal, road maintenance, and access to club amenities. These fees typically range from $150 to $600/month.
Conclusion: Why Harbor Springs Is a Great Investment
Harbor Springs isn’t just a place—it’s a lifestyle. With its blend of natural beauty, luxury amenities, small-town warmth, and strong real estate appreciation, buying a home here is one of the smartest investments you can make.
Whether you’re a retiree looking for peace and beauty, a family seeking a safe and enriching community, or an investor chasing high seasonal returns—Harbor Springs delivers. And with expert guidance from BrookWalsh.com, your path to paradise is just a few clicks away.
Continue Your Northern Michigan Real Estate Search. Explore homes and real estate in the Northern Michigan communities below or contact Brook Walsh to help you with your search.
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