Calhoun County, Michigan: commercial real estate data.
Calhoun County, Michigan has a population of 133,778 across 706 square miles, down 0.4 percent since the 2020 census base. County output reached $9.11 bn in 2024, 2,482 establishments operate here, and the SBA record carries 137 7(a) approvals worth $88.9 m.
128 sourced county values · tier FULL · 12 sections
Calhoun County
How many people live in Calhoun County
- Population133,778
- Households53,333
- Average household size2.51
- Median household income$63,177
- Median age40.2
- Median gross rent$968 per month
- Median owner-occupied home value$162,800
- Home value to household income2.6 times
- Annual rent as a share of median income18.4 percent
- Adults 25 and over with a bachelor degree or higher22.9 percent
- Adults 25 and over with a graduate degree7.9 percent
- Adults 25 and over91,914
- Population under 1830,588
- Share under 1822.9 percent
- Population 65 and over24,927
- Share 65 and over18.6 percent
- Working age population, 18 to 6478,263
- Civilian labor force63,538
- Unemployment rate6.4 percent
- Labor force participation, adults 18 and over61.6 percent
- Rank by population among Michigan counties17th of 83
- Rank by population among US county-equivalents492nd
Calhoun County is the 17th largest of 83 Michigan counties by population. A median home costs 2.6 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 22.9 percent against 18.6 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Calhoun County
Is Calhoun County growing
- Population change since the 2020 census base-0.39 percent
- Census 2020 base population134,310
- Births, 20241,450
- Deaths, 20241,761
- Natural change, 2024-311
- Net domestic migration, 2024183
- Net international migration, 2024405
- Total net migration, 2024588
- Cumulative net domestic migration, 2021 to 202421
- Rank by growth among US county-equivalents1982nd
The county has lost 0.39 percent of its population since the 2020 census base. Deaths exceeded births in 2024, so all of the growth came from people moving in. A market held up by migration alone is more sensitive to a change in relative cost than one growing from household formation.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Calhoun County
Where people moving to Calhoun County come from
- Tax returns filed by households arriving2,916
- People arriving, from those returns5,168
- Adjusted gross income arriving$144.0 m
- Net adjusted gross income movement$0
- Average income of an arriving household$49,383
- Largest single originCalhoun County Non-migrants (49,137 households)
- Largest single destination (49,137 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Calhoun County Non-migrants | 49,137 | 97,377 | $3.12 bn |
| Other flows - Different State | 910 | 1,608 | $50.2 m |
| Kalamazoo County | 563 | 972 | $24.1 m |
| Other flows - South | 382 | 679 | $21.0 m |
| Other flows - Midwest | 276 | 491 | $13.2 m |
| Other flows - Same State | 272 | 452 | $13.1 m |
| Other flows - West | 187 | 334 | $11.9 m |
| Jackson County | 166 | 321 | $9.8 m |
The largest single source of arrivals is Calhoun County Non-migrants, which is the catchment a retail or multifamily study should look at first.
US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Calhoun County
What the Calhoun County economy runs on
- County GDP, 2024$9.11 bn
- County GDP, 2023$8.60 bn
- GDP change, 2023 to 20245.9 percent
- GDP change over five years35.8 percent
- Rank by GDP among Michigan counties13th
- Rank by GDP among US county-equivalents479th
- GDP per resident$68,075
Output grew 5.9 percent in the latest year and 35.8 percent over five, which is the trend line a lender will read behind any single year figure.
US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024.
Calhoun County
Who employs people in Calhoun County
- Covered employment, annual average54,415
- Establishments reporting2,626
- Average annual pay$64,067
- Average weekly wage$1,232
- Sector 31-33, employment10,071
- Sector 31-33, average annual pay$75,064
- Sector 62, employment8,542
- Sector 62, average annual pay$59,613
- Sector 44-45, employment5,710
- Sector 44-45, average annual pay$37,203
- Sector 72, employment4,275
- Sector 72, average annual pay$23,499
- Sector 56, employment2,414
- Sector 54, employment2,246
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 10,071 | 163 | $75,064 |
| Sector 62 | 8,542 | 403 | $59,613 |
| Sector 44-45 | 5,710 | 396 | $37,203 |
| Sector 72 | 4,275 | 253 | $23,499 |
| Sector 56 | 2,414 | 130 | $50,638 |
| Sector 54 | 2,246 | 175 | $136,016 |
| Sector 48-49 | 1,940 | 78 | $70,189 |
| Sector 23 | 1,831 | 194 | $76,300 |
The largest sector is the biggest private employer group at 10,071 jobs, 18.5 percent of covered employment. Average pay per job exceeds median household income, which usually means single earner households and a wage base that can carry rent.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Calhoun County
What businesses operate in Calhoun County
- Establishments, all industries2,482
- Employment at those establishments48,331
- Annual payroll$2.92 bn
- Establishments per 1,000 residents18.6
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against.
US Census Bureau, County Business Patterns, 2023.
Calhoun County
What is being built in Calhoun County
- Housing units authorised by permit, 202491
- Declared construction value permitted$22.3 m
- Single family units authorised85
- Multifamily units authorised6
- Multifamily share of units6.6 percent
- Average declared value per unit$245,487
- Units authorised per 1,000 households1.7
Multifamily is 6.6 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Calhoun County
How much SBA lending happens in Calhoun County
- 7(a) approvals recorded137
- 7(a) gross approval dollars$88.9 m
- Average 7(a) approval$648,713
- Median 7(a) approval$250,000
- 10th percentile approval$28,500
- 90th percentile approval$1,665,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)1,572
- Jobs per approval11.5
- Distinct 7(a) lenders active40
- Distinct industries receiving approvals78
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer29.2 percent
- Loans on real estate terms40
- Loans on working capital terms, 120 months or shorter85
- Franchise loans18
- Franchise share of approvals13.1 percent
- Leading industry by approval countHotels (except Casino Hotels) and Motels (6)
- Most active lenderThe Huntington National Bank (39)
- 504 approvals recorded31
- 504 gross approval dollars$18.3 m
- Average 504 approval$591,000
- Median 504 approval$373,000
- Distinct CDCs active3
- 504 jobs per approval9.8
- 504 jobs per million dollars approved16.6
- Most active CDCMichigan Certified Development Corporation (25)
- 7(a) share of SBA approvals81.5 percent
- Combined SBA approval dollars$107.2 m
The average approval of $648,713 sits well above the median of $250,000, so a small number of large deals is pulling the mean up. The median is the better guide to what a typical borrower here actually gets. Only 29.2 percent of approvals run on real estate terms, so SBA credit here is mostly working capital and equipment rather than property acquisition.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30. US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Calhoun County
Do SBA loans in Calhoun County get paid back
- Loans with a final outcome recorded26
- Paid in full24
- Charged off2
- Charge off rate on resolved loans7.7 percent
- Status: Exempt from disclosure96
- Status: Paid in full24
- Status: Cancelled13
- Status: Charged off2
- Status: Committed, not yet disbursed2
Of the 26 loans that have reached a final outcome, 7.7 percent were charged off. This is computed only over resolved loans, because a loan still running has not yet succeeded or failed and counting it either way would be wrong.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Calhoun County
Which parts of Calhoun County get the lending
- Places in the county with recorded lending10
- BATTLE CREEK, approvals86
- Marshall, approvals17
- Albion, approvals13
- Springfield, approvals8
- East Leroy, approvals3
- Burlington, approvals3
| Place | Approvals | Gross approval dollars |
|---|---|---|
| BATTLE CREEK | 86 | $66,796,400 |
| Marshall | 17 | $12,370,100 |
| Albion | 13 | $3,621,400 |
| Springfield | 8 | $2,792,500 |
| East Leroy | 3 | $1,785,500 |
| Burlington | 3 | $122,500 |
| HOMER | 3 | $90,300 |
| CERESCO | 2 | $795,000 |
BATTLE CREEK accounts for 86 approvals against 17 in Marshall. County level figures average over that gap, which is why a site decision is made at the submarket rather than the county.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Calhoun County
How big is Calhoun County
- Land area706 sq mi
- Rank by land area among Michigan counties27th of 83
- Width, east to west30.2 mi
- Height, north to south24.2 mi
- Geographies sharing a boundary6
- Residents per square mile of land189
- Establishments per square mile3.52
US Census Bureau county boundary geometry, TIGER, adjacency computed from shared boundary vertices, TIGER county boundaries. US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year. US Census Bureau, County Business Patterns, 2023.
Calhoun County
What hazards affect Calhoun County
- EPA radon zone predicted average indoor radon screening level greater than 4 pCi/LZone 1
- Communities in the NFIP Community Status Book27
- Of those, participating in the NFIP26
- NFIP participation rate96.3 percent
- Communities carrying a CRS class0
The EPA places the county in radon zone 1, a predicted average indoor radon screening level greater than 4 pCi/L.
US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001. FEMA OpenFEMA, NFIP Community Status Book, Community Status Book, as retrieved.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Flood zone record counts are not held. The flood coverage export has not landed, so no count is shown rather than an estimated one.
- Traffic counts resolve in the platform, not in this dataset, so no AADT figure is printed here.
- Zoning is in build. Parcel level zoning is not published on this page.
Feasibility studies
When a Calhoun County site needs a document a lender will accept.
The same data layer behind this page is the one the studies are written from. A study for a Calhoun County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population133,778
- Households53,333
- Average household size2.51
- Median household income$63,177
- Median age40.2
Common questions
Calhoun County questions, answered from the record.
How many people live in Calhoun County, Michigan?
133,778, in 53,333 households, ranking 17th of 83 Michigan counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Calhoun County growing?
The population has fallen 0.39 percent since the 2020 census base. In 2024 there were 1,450 births against 1,761 deaths, with net migration of 588. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Calhoun County?
$63,177. The median owner-occupied home is valued at $162,800, which is 2.6 times income, and median gross rent is $968 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Calhoun County?
2,482 establishments, employing 48,331 people with an annual payroll of $2.92 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in Calhoun County?
Average annual pay is $64,067, or $1,232 a week, across 54,415 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Calhoun County?
137 7(a) approvals totalling $88.9 m since FY2020, across 40 lenders, with a median approval of $250,000, plus 31 504 approvals worth $18.3 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Calhoun County get paid back?
Of the 26 loans that have reached a final outcome, 24 were paid in full and 2 charged off, a charge off rate of 7.7 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Calhoun County?
91 housing units were authorised by permit in 2024, with a declared construction value of $22.3 m. Multifamily was 6.6 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Calhoun County?
Zone 1, a predicted average indoor radon screening level greater than 4 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Calhoun County come from?
The largest single origin is Calhoun County Non-migrants, with 49,137 households. Arriving households report an average income of $49,383 against null for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Calhoun County on this page?
No. Annual average daily traffic resolves in the platform rather than in this dataset, so no AADT figure is printed here. It is a gap we know about rather than a figure we estimated.
Is zoning published for Calhoun County?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame with confirm locally attached.