Montcalm County, Michigan: commercial real estate data.
Montcalm County, Michigan has a population of 67,816 across 705 square miles, up 4.0 percent since the 2020 census base. County output reached $2.16 bn in 2024, 1,058 establishments operate here, and the SBA record carries 89 7(a) approvals worth $31.0 m.
128 sourced county values · tier FULL · 12 sections
Montcalm County
How many people live in Montcalm County
- Population67,816
- Households24,511
- Average household size2.77
- Median household income$67,344
- Median age40.4
- Median gross rent$869 per month
- Median owner-occupied home value$185,500
- Home value to household income2.8 times
- Annual rent as a share of median income15.5 percent
- Adults 25 and over with a bachelor degree or higher16.0 percent
- Adults 25 and over with a graduate degree5.1 percent
- Adults 25 and over48,259
- Population under 1814,137
- Share under 1820.8 percent
- Population 65 and over12,113
- Share 65 and over17.9 percent
- Working age population, 18 to 6441,566
- Civilian labor force30,929
- Unemployment rate5.0 percent
- Labor force participation, adults 18 and over57.6 percent
- Rank by population among Michigan counties28th of 83
- Rank by population among US county-equivalents808th
Montcalm County is the 28th largest of 83 Michigan counties by population. A median home costs 2.8 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 20.8 percent against 17.9 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Montcalm County
Is Montcalm County growing
- Population change since the 2020 census base4.04 percent
- Census 2020 base population66,625
- Births, 2024681
- Deaths, 2024741
- Natural change, 2024-60
- Net domestic migration, 2024619
- Net international migration, 2024324
- Total net migration, 2024943
- Cumulative net domestic migration, 2021 to 20242,333
- Rank by growth among US county-equivalents680th
The county has grown 4.04 percent 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.
Montcalm County
Where people moving to Montcalm County come from
- Tax returns filed by households arriving2,005
- People arriving, from those returns3,609
- Adjusted gross income arriving$105.3 m
- Net adjusted gross income movement$0
- Average income of an arriving household$52,504
- Largest single originMontcalm County Non-migrants (23,293 households)
- Largest single destination (23,293 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Montcalm County Non-migrants | 23,293 | 47,658 | $1.37 bn |
| Kent County | 629 | 1,141 | $36.5 m |
| Other flows - Same State | 298 | 500 | $15.8 m |
| Other flows - Different State | 297 | 567 | $18.4 m |
| Ionia County | 261 | 488 | $11.0 m |
| Other flows - South | 147 | 293 | $8.7 m |
| Newaygo County | 94 | 161 | $4.1 m |
| Mecosta County | 93 | 168 | $3.5 m |
The largest single source of arrivals is Montcalm 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.
Montcalm County
What the Montcalm County economy runs on
- County GDP, 2024$2.16 bn
- County GDP, 2023$2.15 bn
- GDP change, 2023 to 20240.4 percent
- GDP change over five years29.0 percent
- Rank by GDP among Michigan counties35th
- Rank by GDP among US county-equivalents1216th
- GDP per resident$31,823
Output grew 0.4 percent in the latest year and 29.0 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.
Montcalm County
Who employs people in Montcalm County
- Covered employment, annual average16,263
- Establishments reporting1,086
- Average annual pay$47,244
- Average weekly wage$909
- Sector 31-33, employment3,141
- Sector 31-33, average annual pay$60,158
- Sector 44-45, employment2,399
- Sector 44-45, average annual pay$32,912
- Sector 62, employment2,182
- Sector 62, average annual pay$46,758
- Sector 72, employment1,744
- Sector 72, average annual pay$19,279
- Sector 23, employment678
- Sector 56, employment517
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 3,141 | 76 | $60,158 |
| Sector 44-45 | 2,399 | 173 | $32,912 |
| Sector 62 | 2,182 | 74 | $46,758 |
| Sector 72 | 1,744 | 84 | $19,279 |
| Sector 23 | 678 | 141 | $60,835 |
| Sector 56 | 517 | 46 | $35,315 |
| Sector 81 | 408 | 98 | $37,872 |
| Sector 48-49 | 351 | 32 | $54,170 |
The largest sector is the biggest private employer group at 3,141 jobs, 19.3 percent of covered employment. Average pay per job sits below median household income, so households here typically need more than one earner.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Montcalm County
What businesses operate in Montcalm County
- Establishments, all industries1,058
- Employment at those establishments13,588
- Annual payroll$600.1 m
- Establishments per 1,000 residents15.6
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.
Montcalm County
What is being built in Montcalm County
- Housing units authorised by permit, 2024271
- Declared construction value permitted$53.2 m
- Single family units authorised230
- Multifamily units authorised41
- Multifamily share of units15.1 percent
- Average declared value per unit$196,197
- Units authorised per 1,000 households11.1
Multifamily is 15.1 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Montcalm County
How much SBA lending happens in Montcalm County
- 7(a) approvals recorded89
- 7(a) gross approval dollars$31.0 m
- Average 7(a) approval$348,674
- Median 7(a) approval$100,000
- 10th percentile approval$22,000
- 90th percentile approval$1,345,000
- Largest single approval$2,758,000
- Jobs reported supported, 7(a)744
- Jobs per approval8.4
- Distinct 7(a) lenders active17
- Distinct industries receiving approvals48
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer13.5 percent
- Loans on real estate terms12
- Loans on working capital terms, 120 months or shorter72
- Franchise loans6
- Franchise share of approvals6.7 percent
- Leading industry by approval countGeneral Automotive Repair (5)
- Most active lenderThe Huntington National Bank (64)
- 504 approvals recorded13
- 504 gross approval dollars$4.6 m
- Average 504 approval$355,538
- Median 504 approval$345,000
- Distinct CDCs active2
- 504 jobs per approval10.3
- 504 jobs per million dollars approved29.0
- Most active CDCGreat Lakes Commercial Finance (10)
- 7(a) share of SBA approvals87.3 percent
- Combined SBA approval dollars$35.7 m
The average approval of $348,674 sits well above the median of $100,000, 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 13.5 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.
Montcalm County
Do SBA loans in Montcalm County get paid back
- Loans with a final outcome recorded20
- Paid in full18
- Charged off2
- Charge off rate on resolved loans10.0 percent
- Status: Exempt from disclosure55
- Status: Cancelled7
- Status: Paid in full18
- Status: Charged off2
- Status: Committed, not yet disbursed7
Of the 20 loans that have reached a final outcome, 10.0 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.
Montcalm County
Which parts of Montcalm County get the lending
- Places in the county with recorded lending16
- GREENVILLE, approvals27
- Sheridan, approvals12
- LAKEVIEW, approvals7
- STANTON, approvals7
- Edmore, approvals7
- HOWARD CITY, approvals6
| Place | Approvals | Gross approval dollars |
|---|---|---|
| GREENVILLE | 27 | $15,379,100 |
| Sheridan | 12 | $1,103,800 |
| LAKEVIEW | 7 | $6,107,400 |
| STANTON | 7 | $3,081,700 |
| Edmore | 7 | $1,180,400 |
| HOWARD CITY | 6 | $2,218,000 |
| SIX LAKES | 5 | $337,800 |
| Sidney | 3 | $107,900 |
GREENVILLE accounts for 27 approvals against 12 in Sheridan. 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.
Montcalm County
How big is Montcalm County
- Land area705 sq mi
- Rank by land area among Michigan counties28th of 83
- Width, east to west36.5 mi
- Height, north to south24.1 mi
- Geographies sharing a boundary6
- Residents per square mile of land96
- Establishments per square mile1.50
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.
Montcalm County
What hazards affect Montcalm County
- EPA radon zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
- Communities in the NFIP Community Status Book3
- Of those, participating in the NFIP3
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
The EPA places the county in radon zone 2, a predicted average indoor radon screening level from 2 to 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 Montcalm 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 Montcalm County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population67,816
- Households24,511
- Average household size2.77
- Median household income$67,344
- Median age40.4
Common questions
Montcalm County questions, answered from the record.
How many people live in Montcalm County, Michigan?
67,816, in 24,511 households, ranking 28th of 83 Michigan counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Montcalm County growing?
The population has grown 4.04 percent since the 2020 census base. In 2024 there were 681 births against 741 deaths, with net migration of 943. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Montcalm County?
$67,344. The median owner-occupied home is valued at $185,500, which is 2.8 times income, and median gross rent is $869 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Montcalm County?
1,058 establishments, employing 13,588 people with an annual payroll of $600.1 m. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in Montcalm County?
Average annual pay is $47,244, or $909 a week, across 16,263 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Montcalm County?
89 7(a) approvals totalling $31.0 m since FY2020, across 17 lenders, with a median approval of $100,000, plus 13 504 approvals worth $4.6 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Montcalm County get paid back?
Of the 20 loans that have reached a final outcome, 18 were paid in full and 2 charged off, a charge off rate of 10.0 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Montcalm County?
271 housing units were authorised by permit in 2024, with a declared construction value of $53.2 m. Multifamily was 15.1 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Montcalm County?
Zone 2, a predicted average indoor radon screening level from 2 to 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 Montcalm County come from?
The largest single origin is Montcalm County Non-migrants, with 23,293 households. Arriving households report an average income of $52,504 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 Montcalm 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 Montcalm 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.