Living in Indian River, Michigan: What to Know About This Northern Gem

Nestled between Burt Lake and Mullett Lake and connected by the scenic Indian River, this small Northern Michigan town offers big charm, natural beauty, and a slower pace of life. Whether you’re planning to move, buy a vacation home, or just visit, here’s what you need to know about living in Indian River, Michigan.

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1. A Snapshot of Indian River

Indian River is an unincorporated community in Cheboygan County, best known for its access to water, trails, and outdoor recreation. With a population of around 2,000, it’s a tight-knit community where locals know each other and visitors are always welcome.

The town is part of the famed Inland Waterway, a 38-mile navigable water route that stretches from Crooked Lake to Lake Huron — making it a boater’s dream.

2. Cost of Living in Indian River

Indian River offers a lower cost of living compared to many areas of Northern Michigan — especially waterfront destinations like Petoskey or Harbor Springs.

• Median Home Price: As of 2025, homes in Indian River range from $225,000–$400,000, though waterfront properties on Burt or Mullett Lake can exceed $700,000+.

• Property Taxes: Cheboygan County’s millage rates are modest compared to other resort areas.

• Utilities & Services: Reasonable costs thanks to smaller home sizes and energy-efficient upgrades; many homes use propane or natural gas.

• Groceries & Shopping: While local options are limited Ken’s Village Market, and seasonal farmers’ markets provide essentials. For big box stores or healthcare, nearby Cheboygan, Gaylord, or Petoskey fill the gap.

This is a place where your dollar stretches further — especially for retirees, remote workers, or second-home buyers.

3. What Is There to Do in Indian River?

Despite its size, Indian River is packed with things to do — especially for those who love the outdoors.

🚤 Boating & Water Sports

• Access to Burt Lake State Park and multiple public boat launches

• Kayaking the Sturgeon River — one of Michigan’s fastest-flowing rivers

• Exploring the Inland Waterway from a pontoon, kayak, or cruiser

🎣 Fishing

• Trophy-level fishing for walleye, pike, perch, and lake trout in Burt and Mullett Lakes

• Fly fishing on the Sturgeon River

🥾 Trails & Parks

• North Central State Trail: A 75-mile rail trail perfect for biking, walking, or snowmobiling

• DeVoe Beach: A quiet sandy beach perfect for swimming or sunset watching

• Pigeon River Country State Forest: Just a short drive away for hiking and elk-viewing

🛍️ Downtown & Local Favorites

• The Thirsty Sturgeon: A local-favorite restaurant right on the river

• Christopher’s Café: Known for breakfast and pies

• Big Bear Adventures: Offers river tubing, mini-golf, and ropes courses — great for families

❄️ Winter Life

• Cross-country skiing on local trails

• Snowmobiling throughout the Tip of the Mitt

• Ice fishing on the lakes

• Close proximity to ski resorts in Boyne Highlands and Nubs Nob

4. Who Lives in Indian River?

Indian River appeals to:

• Retirees looking for peaceful, scenic living with four seasons

• Remote workers who want lake access and affordability

• Families who value nature and small-town life

• Vacation homeowners who want to escape summer heat or enjoy fall colors

It’s also a community with active churches, seasonal events, and a genuine “Up North” feel — friendly, relaxed, and outdoorsy.

5. Things to Know Before Moving

• Internet Access: Limited in some rural pockets, but improving — many neighborhoods now offer Spectrum or Starlink.

• Healthcare: No hospital in town, but McLaren Northern Michigan (Petoskey) and Otsego Memorial Hospital (Gaylord) are under an hour away.

• Schools: Part of Inland Lakes School District, which serves the local K–12 community.

• Short-Term Rentals: Permitted in some areas; a mix of private cottages and Airbnbs already active around the lakes.

6. Final Thoughts: Is Indian River Right for You?

If you're looking for a peaceful, water-centered lifestyle with easy access to outdoor adventure, Indian River offers incredible value. It’s not as bustling as Traverse City or as polished as Harbor Springs — but that’s exactly what makes it special.

Whether you're sipping coffee at a lakeside cabin, paddling down the Sturgeon River, or sitting around a fire pit with neighbors, Indian River feels like Michigan at its purest.