The Best Northern Michigan Towns for Second Homes in 2026

Where Lake Life, Up North Charm & Year-Round Adventure Meet

Northern Michigan has long been a beloved getaway destination. In recent years, it’s transformed into one of the hottest regions in the Midwest for second homes, vacation properties, and lake retreats. With crystal-clear water, charming small towns, and endless recreation, it’s easy to see why.

Whether you’re dreaming of a seasonal cottage, a future retirement home, or an investment getaway, here are five standout communities that continue to attract home buyers. 

Rapid City, MI

Quiet cottages, wooded privacy, and incredible access to The Sandbar at Torch Lake

Rapid City is the definition of Up North variety which is why second-home buyers love it. Here, you’ll find everything from luxury waterfront estates along Torch Lake to sprawling acreage properties tucked into the woods. Many homes offer privacy, space for pole barns or guest cabins, and room to roam. With multiple public access points to Torch Lake, Torch River, Elk Lake, and Lake Skegemog just minutes away, owners can launch a boat, paddleboard, or drop in a kayak from public access points. Rapid City is ideal for buyers seeking either upscale lake living or a peaceful escape.

Why second-home buyers love it:
✔ Easy lake access without lakefront price tags

✔ Laid back rental ordinances 
✔ Prime location near Torch Lake and close to golf courses and resorts
✔ Laid-back Northern Michigan community feel

Alden, MI

The quiet & charming gateway to Torch Lake

Alden sits on the southeastern shore of Torch Lake and offers the perfect blend of small-town charm, walkability, and waterfront living. Summer days are spent browsing village shops, sipping coffee from The Muffin Tin, and watching boats drift across the lake’s famous Caribbean-blue water.

What makes it special:
✔ One of the most scenic shorelines in the country
✔ Strong sense of community with year-round events
✔ Perfect for buyers who want a turn-key cottage + a strollable town

If owning a home where you can walk to the water, dock, beach, or marina is on your wish list, Alden belongs at the top of your search.

Bellaire, MI

Four-seasons living with golf, skiing, and lakeside life

Bellaire is a second-home dream for buyers who want more than just summer fun. Anchored by Shorts Brewery and Shanty Creek Resorts. Golfing, ski runs, hiking, and dining thrives all year long in Bellaire. 

Why buyers choose Bellaire:
✔ Resort amenities and activities in every season
✔ Easy access to Torch Lake and Lake Bellaire
✔ A growing dining scene, including Short’s Brewing Co.

From lake days to powder mornings, Bellaire is perfect for families and investors who want a property that delivers adventure all year long.

Elk Rapids, MI

A waterfront village with walkability, beaches & big-water access

Elk Rapids strikes the perfect balance between relaxed lake town living and everyday convenience. Set at the gateway to the Chain of Lakes, the village offers homes on Elk Lake, Bass Lake, and the shores of Grand Traverse Bay, along with inviting in-town neighborhoods just steps from the beach. Downtown Elk Rapids brings the charm. Think boutique shops, local dining, art strolls, and sunset concerts in the park. All with a friendly, walkable feel that visitors quickly fall in love with. Since Traverse City is just 20 minutes away, owners enjoy the best of both worlds: a quiet waterside community with quick access to major shopping, dining, and the Cherry Capital Airport. Whether you want to dock your boat, bike to dinner, or head into TC for the day, Elk Rapids makes owning a second home both easy and unforgettable.

What sets Elk Rapids apart:
✔ True beach-town vibe with restaurants, shops, and festivals
✔ Easy boating access to the entire Chain of Lakes
✔ Excellent rental and resale demand

If you want the heartbeat of a small Great Lakes town with easy access to amenities, Elk Rapids delivers.

Traverse City, MI

Year-round energy, sandy beaches & endless amenities

Traverse City is the heartbeat of Northern Michigan. A place where outdoor beauty meets dining, culture, and convenience. Second-home buyers are drawn to the area’s versatility, with properties ranging from modern condos and in-town cottages to expansive and luxury waterfront homes on East or West Grand Traverse Bay. The city hums with life year-round: craft breweries, wineries, farm-to-table restaurants, festivals, and miles of public beaches and trails. Summer brings boating, swimming, and long days on the bay; winter offers skiing at nearby resorts, ice fishing, and cozy downtown nights. With Cherry Capital Airport offering easy travel access and amenities at every turn, Traverse City appeals to second-home seekers who want a lake lifestyle paired with the comfort and convenience of a vibrant small city.

✔ Year-Round Entertainment & Activities
✔ Access to East & West Grand Traverse Bay
✔ Strong Rental Potential
✔ Close to Ski Resorts & Golf Courses 

Which Town Fits Your Lifestyle?

Northern Michigan offers a second-home market unlike anywhere else. From quiet wooded escapes to vibrant lakefront villages. Whether you imagine lazy days on Torch Lake, ski weekends in Bellaire, or strolling to dinner in Elk Rapids, there’s a place that matches the lifestyle you love.

Ready to start exploring properties? Start your search at www.ZackJonesHomes.com or reach out and see how we can help!