Calhoun County, Michigan: commercial real estate data.
Calhoun County, Michigan had an estimated 133,785 residents on July 1, 2024, down 0.4 percent since the 2020 census base of 134,310, across 706 square miles. 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 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Calhoun County
How many people live in Calhoun County
- Population, American Community Survey 2020-2024133,778
- 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-equivalents, Puerto Rico included492nd of 3,222
Calhoun County is the 17th largest of 83 Michigan counties by population. A median home costs 2.6 times median household income, which is affordable 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's population growing?
- Population, July 1, 2024133,785
- Census 2020 base population134,310
- Population change since the 2020 census base-0.39 percent
- Population change, 2023 to 2024280
- 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 of 3,144
The county has lost 0.39 percent of its population since the 2020 census base. Deaths exceeded births in 2024 and the population still grew, so all of the growth came from people moving in. A market held up by migration 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 are people moving to Calhoun County from?
- Tax returns filed by households arriving2,916
- People arriving, from those returns5,168
- Tax returns filed by households leaving2,994
- Net household movement-78
- Adjusted gross income arriving$144.0 m
- Net adjusted gross income movement$-24.1 m
- Average income of an arriving household$49,383
- Average income of a leaving household$56,156
- Largest single originKalamazoo County (563 households)
- Largest single destinationKalamazoo County (530 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Kalamazoo County | 563 | 972 | $24.1 m |
| Jackson County | 166 | 321 | $9.8 m |
| Branch County | 152 | 284 | $6.8 m |
| Eaton County | 140 | 262 | $7.2 m |
| Barry County | 134 | 260 | $6.2 m |
| Kent County | 112 | 197 | $5.2 m |
| Ingham County | 76 | 125 | $3.7 m |
| Wayne County | 65 | 114 | $4.1 m |
Households arriving report $6,773 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is Kalamazoo County, 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 is the Calhoun County economy?
- 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 the Michigan areas BEA publishes13th of 83
- Rank by GDP among the US county areas BEA publishes479th of 3,127
- 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
Employment by industry in Calhoun County
- Covered employment, annual average54,415
- Establishments reporting2,626
- Average annual pay$64,067
- Average weekly wage$1,232
- Manufacturing, employment10,071
- Manufacturing, average annual pay$75,064
- Health care and social assistance, employment8,542
- Health care and social assistance, average annual pay$59,613
- Retail trade, employment5,710
- Retail trade, average annual pay$37,203
- Accommodation and food services, employment4,275
- Accommodation and food services, average annual pay$23,499
- Administrative and support and waste management services, employment2,414
- Professional, scientific and technical services, employment2,246
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 10,071 | 163 | $75,064 |
| Health care and social assistance | 8,542 | 403 | $59,613 |
| Retail trade | 5,710 | 396 | $37,203 |
| Accommodation and food services | 4,275 | 253 | $23,499 |
| Administrative and support and waste management services | 2,414 | 130 | $50,638 |
| Professional, scientific and technical services | 2,246 | 175 | $136,016 |
| Transportation and warehousing | 1,940 | 78 | $70,189 |
| Construction | 1,831 | 194 | $76,300 |
Manufacturing is the largest private sector at 10,071 jobs, 18.5 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Calhoun County
How many businesses are 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. County Business Patterns counts private establishments with paid employees in March 2023, while the Quarterly Census of Employment and Wages above counts every unemployment-insured employer, public ones included, as a 2024 annual average, so the two establishment and employment counts differ.
US Census Bureau, County Business Patterns, 2023.
Calhoun County
Building permits in Calhoun County
- Housing units authorized by permit, 202491
- Declared construction value permitted$22.3 m
- Single family units authorized85
- Multifamily units authorized6
- Multifamily share of units6.6 percent
- Average declared value per unit$245,487
- Units authorized per 1,000 households1.7
Single-family homes are 93.4 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Calhoun County
SBA loans in Calhoun County (7(a) and 504)
- 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$29,400
- 90th percentile approval$1,568,640
- 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
- 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)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$107.2 m
The average approval of $648,713 sits well above the median of $250,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here 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
SBA loan default and charge-off rates in Calhoun County
Do SBA loans in Calhoun County get paid back?
- Loans with a final outcome recorded26
- Paid in full24
- Charged off2
- Status: Exempt from disclosure96
- Status: Paid in full24
- Status: Cancelled13
- Status: Charged off2
- Status: Committed, not yet disbursed2
Only 26 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
Compare against the national and state SBA charge-off rates, computed the same way over resolved loans only.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Calhoun County
SBA lending by place in Calhoun County
- Borrower cities with recorded lending10
- Battle Creek, approvals86
- Marshall, approvals17
- Albion, approvals13
- Springfield, approvals8
- East Leroy, approvals3
- Burlington, approvals3
| Borrower city | 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 |
| 2 other borrower cities | 2 | $500,000 |
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 large 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
Flood risk in Calhoun County
- Communities in the county in the NFIP Community Status Book27
- Of those, participating in the NFIP26
- NFIP participation rate96.3 percent
- Communities carrying a CRS class0
- Radon levels in Calhoun County, EPA zone predicted average indoor radon screening level greater than 4 pCi/LZone 1
The EPA places Calhoun County in radon zone 1, a predicted average indoor radon screening level greater than 4 pCi/L. The zone is a screening prediction for the county and does not substitute for a test at an address. 96.3 percent of the county's listed communities participate in the National Flood Insurance Program, per Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26. US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Coverage
What this page does not hold.
Traffic counts, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
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.
- Population, American Community Survey 2020-2024133,778
- 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?
The Census Bureau estimates 133,785 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 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's population growing?
The population has fallen 0.39 percent since the 2020 census base of 134,310, to 133,785 on July 1, 2024. 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 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 employment by industry in Calhoun County?
Manufacturing is the largest private sector at 10,071 jobs, 18.5 percent of covered employment. Covered employment averages 54,415 jobs at an average annual pay of $64,067, or $1,232 a week. 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 totaling $88.9 m since FY2020, across 40 lenders, with a median approval of $250,000, plus 31 504 approvals worth $18.3 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Calhoun County?
91 housing units were authorized 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 Kalamazoo County, with 563 households. Arriving households report an average income of $49,383 against $56,156 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?
No. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame, to be confirmed locally.
Calhoun County
Cities and places in Calhoun.
11 Census places lie wholly or partly in Calhoun County. All 11 carry enough published place level data for a page of their own and are linked.
| Place | Type | Population | SBA 7(a) approvals, projects in this county | Lies in |
|---|---|---|---|---|
| Battle Creek | city | 52,374 | 86 | Wholly in this county |
| Albion | city | 7,560 | 13 | Wholly in this county |
| Marshall | city | 6,804 | 17 | Wholly in this county |
| Springfield | city | 5,269 | 8 | Wholly in this county |
| Level Park-Oak Park | CDP | 3,488 | None recorded | Wholly in this county |
| Union City | village | 1,940 | None recorded | 4.2 percent here, 95.8 percent Branch County |
| Brownlee Park | CDP | 1,661 | None recorded | Wholly in this county |
| Homer | village | 1,610 | 3 | Wholly in this county |
| Athens | village | 1,134 | 1 | Wholly in this county |
| Tekonsha | village | 575 | 1 | Wholly in this county |
| Burlington | village | 264 | 3 | Wholly in this county |
A further 5 of the county's 137 SBA 7(a) approvals are to borrowers in cities that match no Census place in Calhoun County, the largest being East Leroy (3), Ceresco (2). Those are postal cities, unincorporated areas and cities outside the county, so no place row claims them; they are counted in the county total above.
Nearby