Most of the folks here had a lot of valid points. I just built a house in central Michigan and there were a number of things I found out. I didn't want block because I had the same in a house in CT and I think it is too porous. Anything above ground seemed like the air just blew through it. Looked into poured 8" and the code required foam insulation around the whole outside. By the time I added it up the foam block mold system only costs 10% more and left the interior walls ready for drywall and finishing. Very cost effective and warm (code required the drywall over the foam even if you don't intend to finish the basement; $100 extra). One thing we learned was the veins of clay present. Excavating below them adds the risk of hitting ground water. A neighbor poured a foundation with the intent of finishing the frameing at a later date. Zoning made him build a fence around it as though it was a swimming pool. If cost is a factor you might want to look into a wood foundation. As far as I know they are approved in, at least, parts of Michigan. A friend of mine went that way and was very happy with it.
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