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Holland, MI

Year-round Strong

One of the retirement towns we've already researched and scored. Everything below — the citations, the Census figures, the cost-of-living index — is real, not a mockup.

Scores

Golf Outdoor Healthcare Airport Climate Safety Natural Hazard Safety Air Quality Community character Restaurant / Bar Scene
Golf 7.5
Outdoor 8.5
Healthcare 7.5
Airport 6.5
Climate 6.5
Safety 6.5
Natural Hazard Safety 7
Air Quality 7
Community character 10
Restaurant / Bar Scene 7

Research

AI research, with sources

“Holland, MI is a lake-cooled, small-city retirement option with a lively downtown, strong seasonal recreation, and generally moderate county-level hazard risk, but winters are real and the local healthcare and airport footprint are regional rather than metro-scale.”

Holland offers a walkable, amenity-rich retirement setting with a relatively young population, lake-influenced summers, and easy access to beaches, golf, and downtown dining. The biggest tradeoffs are winter weather, a smaller local hospital footprint than a major metro, and county-level hazard exposure that is mostly wind, flood, and severe weather rather than wildfire.

Cost of living & taxes Moderate living costs with Michigan taxes, but verify property tax details by parcel.

Holland city’s median household income was $75,865 in the latest Census profile, and the local 2024 population was 34,423 (Census Reporter[1?] (unconfirmed source)). Michigan levies a flat state income tax and a 6% sales tax, while property taxes are set locally and by school/municipal millage, so the exact bill depends on the home and taxing district rather than the city name alone. Holland’s climate and local tourism pages describe annual rainfall around 31 inches and snowfall around 75 inches, but they do not publish a government grocery index, so a city-level groceries-vs.-national figure is not given here.

Healthcare access Solid regional hospital access, with specialty care often routed to Grand Rapids.

Holland is a city in Ottawa County and part of the Grand Rapids metro, which is the relevant care basin for many specialty services (Census Reporter[1?] (unconfirmed source)). Official hospital-system details for Holland are not given here, including trauma levels, exact drive times, and specific Medicare Advantage options. Retirees should expect routine care locally and more complex specialist care in the Grand Rapids medical market, but that is not quantified here.

Climate & weather Lake Michigan moderates summer heat, but winters are cold, snowy, and long enough to matter.

Holland’s annual weather averages show a high temperature near 82 °F in summer and a low near 20 °F in winter, with annual precipitation listed at 2.88 inches in the summary and monthly precipitation ranging from about 1.86 to 3.98 inches (Timeanddate[2]). The Holland tourism weather page says the city gets about 31 inches of annual rainfall and 75 inches of annual snowfall, and describes winter temperatures around 25 °F with summer temperatures in the mid-80s (Holland.org[3]). The same tourism page says the best months for warm-weather enjoyment are in the warmer half of the year, which is consistent with a May-to-October outdoor season for golf and lake activity (Holland.org[3]).

Crime & safety Crime comparisons for Holland are not given here, and the FBI source did not provide a Holland-specific city table.

A Holland city crime table from the FBI Crime Data Explorer is not given here, so violent or property crime rates for Holland are not quoted. The FEMA and census sources confirm Holland is a city in Ottawa and Allegan counties, but they do not substitute for FBI UCR/NIBRS crime reporting (FEMA[4]). Because agency reporting is voluntary and incomplete after 2021, the correct approach here is to omit the city crime figure rather than estimate from a crime-score site or use a different place with the same name.

Housing market Holland, MI has a moderately priced but active housing market, with clear retirement-oriented options in and near town.

Holland’s current median listing price is about $450K, and listings are moving in a median of 39 days, with year-over-year days on market up 18.18% and active listings at 355, which suggests buyers have a bit more breathing room than in a peak seller’s market (Realtor.com[5]). For more transaction-oriented pricing, Redfin reports a median sale price of $345K over the last 3 months and an average of 12 days on market, while saying the market remains very competitive, so well-priced homes still move quickly (Redfin[6]). Holland also has age-targeted housing: 55places lists one small 55+ community in Holland itself, Legends View, and notes nearby active-adult options such as Hidden Creek in Holland and other 55+ communities within the broader lakeshore area (55places[7]); Zillow[8] shows Hidden Creek starting around $204.9K, which is below the comfortable $550K–$700K retirement budget and indicates that right-sized downsizing choices are available.

Airport & travel Convenient access to the West Michigan air market, but not a major hub on its own doorstep.

Holland is in the Grand Rapids metro context, but exact airport drive times and nonstop destinations are not given here (FEMA[4]). The likely commercial-airport choice is the Grand Rapids market rather than a Holland-only airport, but a verified IATA code or direct-flight list is not given here. That makes this a regional-airport location, not a major hub location, but the precise travel-time claim remains unconfirmed here.

Golf & recreation A strong golf-and-lake lifestyle is one of Holland’s clearest retirement strengths.

Holland supports a long warm-season outdoor calendar and is positioned for seasonal recreation around Lake Michigan (Holland.org[3]). Public courses within 30 minutes and greens fees are not given here. The overall recreational picture is still attractive for an active retiree, with golf, beach, biking, and waterfront activity likely to be central to daily life, but the course-by-course inventory is not confirmed here.

Community & demographics Young, growing, and amenity-rich for a smaller-city market.

Holland’s latest Census profile shows a population of 34,423 and a median age of 31.7, which is notably younger than the state and suggests a community with families, workforce residents, and college-age energy mixed in (Census Reporter[1?] (unconfirmed source)). The same profile reports a median household income of $75,865, and the city spans 16.9 square miles, indicating a compact market rather than a sprawling suburban one (Census Reporter[1?] (unconfirmed source)). Walkability scores and downtown-amenity ratings are not given here, but Holland’s identity as a distinct city in Ottawa County and its tourism/weather branding support the image of a well-kept, livable small city (FEMA[4], Holland.org[3]).

Hazard & air quality County-level hazard risk is moderate, with wind and flooding more important than wildfire.

Holland is a city spanning Ottawa and Allegan counties, and FEMA’s state community-status page confirms that geography for the city record (FEMA[4]). Nearby Ottawa County and Allegan County have FEMA National Risk Index overall ratings of relatively moderate and relatively low, respectively, with strong wind, riverine flooding, tornado, and winter weather among the leading modeled hazards (PlainHazard Ottawa County[9], PlainHazard Allegan County[10]). Local air-quality days and wildfire-smoke severity are not given here; wildfire is not the dominant concern, while wind and flood are the bigger planning issues (FEMA NRI[11]).

Sources (11)

Numbered sources are the ones cited inline above.

  1. Census Reporter Holland, MI profile
  2. Timeanddate Holland climate averages
  3. Holland.org weather page
  4. FEMA Michigan community status book
  5. Realtor.com Holland, MI housing market
  6. Redfin Holland, MI housing market
  7. 55places Holland 55+ communities
  8. Zillow Hidden Creek active 55+ community
  9. PlainHazard Ottawa County page
  10. PlainHazard Allegan County page
  11. FEMA National Risk Index

Cost of living

101.7 cost-of-living index for a retired household (100 = U.S. average) — about 1.7% above the national average for retirees.

Groceries99.5
Housing107.7
Utilities94.7
Transportation96.0
Healthcare103.3
Misc. goods & services101.4

General-population composite: 101.9. The retired-household figure above weights spending the way a retiree actually spends rather than a general household, and is the more relevant number here.

C2ER Cost of Living Index (Expanded Edition), 2026 Q2 (as of 2026). A purchased, licensed index — not a live lookup — so it is refreshed by hand rather than on demand.
Holland is not tracked separately by C2ER; using Grand Rapids MI, in the same metro area (Grand Rapids-Wyoming-Kentwood, MI Metro Area).

Census figures

American Community Survey, 2020–2024 five-year estimates

Measure Figure
Total population Everyone living here, from the Census Bureau’s rolling five-year survey and controlled to its official population estimate — an average over the five years, not a headcount on one day. Source: Table B01001 on data.census.gov ↗ 34,423 plus or minus 44
Share of population aged 65+ calculated Residents aged 65 and over as a share of all residents, added up from the survey’s age brackets. It counts people living here year-round, so a town with many seasonal residents will read lower than it feels. Source: Table B01001 on data.census.gov ↗ 16.8% plus or minus 1.6 percentage points
Median household income The midpoint of what households here earned over the twelve months before they were surveyed — half earned more, half less. Not an average, and not per person: a household can be one earner or five. Research text elsewhere on this page may quote an income from a different source, year or boundary, so it will not match this figure. Source: Table B19013 on data.census.gov ↗ $75,865 plus or minus $6,025
Median home value The midpoint of what owners estimate their own homes are worth, across owner-occupied homes only. It is not a list price, not a sale price, and not an assessment, so it will not match a market figure quoted elsewhere on this page. Source: Table B25077 on data.census.gov ↗ $252,200 plus or minus $9,325
Median gross rent The midpoint of rent plus tenant-paid utilities across occupied rental homes — what sitting renters pay, not what is being advertised to someone moving in today. Source: Table B25064 on data.census.gov ↗ $1,193 plus or minus $36
Median real estate taxes paid The midpoint of the property tax actually paid by owner-occupied households, which reflects what they own and any exemptions they hold. It is not the rate a new buyer would pay on a purchase at today’s price. Source: Table B25103 on data.census.gov ↗ $3,116 plus or minus $201
Owner households spending 30%+ of income on housing calculated Owner households whose monthly housing costs — mortgage, taxes, insurance, utilities — take 30% or more of their income, out of the owner households for which that ratio can be computed. Renters are not in this figure. Source: Table B25091 on data.census.gov ↗ 19.2% plus or minus 3.4 percentage points

3 of 7 figures are precise enough to compare with another town. These are survey estimates, not a census count, and the margin of error is part of the figure.

Key details

RegionMI
AirportGRR - ~35 min (regional)
ClimateLake-moderated; ~82°F summer highs, ~20°F winter lows; warm season roughly May-Oct
Lot size0.15–0.35 ac low-maintenance
Home type1,800–2,500 sq ft ranch or modern single-family
Key watchWinter snow and ice; county-level wind/flood exposure; confirm taxes and insurance by parcel
Healthcareregional care in Grand Rapids; local hospital access not verified here
Best seasonMay - October
Top communitynon-HOA established west-side neighborhoods, East Lakeshore-area homes, Macatawa-area neighborhoods, Dutch-built newer subdivisions

In your free trial: more on Holland

Retirement taxes: Social Security not taxed · pensions and IRA withdrawals partly taxed · Typical home: $550K–$700K

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