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PRICING SUPPLEMENT NO. 164 DATED Filed Pursuant to
November 16, 1995 TO PROSPECTUS DATED Rule 424(b)(5)
March 29, 1994 AS AMENDED BY PROSPECTUS File No. 33-51877
DATED October 14, 1995
CMS ENERGY CORPORATION
General Term Notes (servicemark of J.W. Korth & Company), Series A
Due 9 Months to 25 Years from date of issue
Except as set forth herein, the General Term Notes (servicemark of
J.W. Korth & Company) offered hereby (the "Notes") have such terms as are
described in the accompanying Prospectus dated October 14, 1995.
Aggregate Principal Amount: $4,048,000.00
Original Issue Date (Settlement Date) November 21, 1995
Stated Maturity Date: November 15, 2002
Issue Price to Public: 100.00% of Principal Amount
Interest Rate: 7.750% Per Annum
Interest Payment Dates: December 15 and monthly
thereafter Commencing
December 15, 1995
Survivor's Option: [ X ] Yes [ ] No
Optional Redemption: [ X ] Yes [ ] No
Initial Redemption Date: November 15, 1997
Redemption Price: Initially 101.00% of Principal
Amount and 100.00% after the
first anniversary of the Initial
Redemption Date.
Agent Principal Amount of Notes
Solicited by Each Agent
Prudential Securities Incorporated $1,113,000.00
EVEREN Securities, Inc. $ 650,000.00
First of Michigan Corporation $ 140,000.00
Roney & Co. $ 197,000.00
J.W. Korth & Company $1,948,000.00
Total $4,048,000.00
Per Note
Sold by Agents
To Public Total
Issue Price: $1,000.00 $4,048,000.00
Agent's Discount or Commission: $ 7.00 $ 28,336.00
Maximum Dealer's Discount or
Selling Concession: $ 18.50 $ 74,888.00
Proceeds to the Company: $ 974.50 $3,944,776.00
CUSIP Number: 12589QHA7
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