HomeMichiganCharlevoix CountyBoyne City
Boyne City, Michigan: commercial real estate data.
Boyne City is a Census city of 3,825 people across 4.04 square miles of land, in Charlevoix County. Median household income is $64,855, 68.2 percent of occupied homes are owned, and the SBA record carries 18 7(a) approvals to borrowers here worth $4.4 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Boyne City
What Boyne City is
- Census place typecity
- Land area4.04 sq mi
- Water area1.35 sq mi
- Population per square mile of land947
- County holding the largest share of its areaCharlevoix County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Boyne City
How many people live in Boyne City
- Population3,825
- Median age48.8
- Population under 18722
- Share under 1818.9 percent
- Population 65 and over943
- Share 65 and over24.7 percent
- Households1,845
- Family households1,025
- Share of households that are families55.6 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Boyne City
Income and work in Boyne City
- Median household income$64,855
- Per capita income$39,709
- Civilian labor force2,041
- Employed1,939
- Unemployed102 plus or minus 96
- Unemployment rate5.0 percent plus or minus 4.7
- Adults 25 and over2,650
- Adults 25 and over with a high school diploma or higher96.0 percent
- Adults 25 and over with a bachelor degree or higher32.9 percent
- Adults 25 and over with a graduate degree12.1 percent plus or minus 3.1
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Boyne City
Housing in Boyne City
- Housing units2,296
- Occupied units1,845
- Vacant units451 plus or minus 96
- Vacancy rate19.6 percent plus or minus 4.0
- Owner occupied1,258
- Renter occupied587 plus or minus 138
- Ownership rate68.2 percent
- Median owner-occupied home value$249,000
- Median gross rent, monthly$906
- Annual rent as a share of median income16.8 percent plus or minus 3.4
- Single family units1,534
- Share single family66.8 percent
- Units in buildings of two or more629 plus or minus 134
- Share in buildings of two or more27.4 percent plus or minus 5.6
- Mobile homes133 plus or minus 61
- Median year structure built1977
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Boyne City
How Boyne City gets to work
- Workers 16 and over who commute1,637
- Commuting under 15 minutes1,011
- Share commuting under 15 minutes61.8 percent
- Commuting 30 minutes or more214 plus or minus 64
- Share commuting 30 minutes or more13.1 percent plus or minus 3.8
- Drove alone71.5 percent
- Carpooled9.2 percent plus or minus 3.6
- Public transport1.0 percent plus or minus 1.3
- Walked2.0 percent plus or minus 1.6
- Worked from home14.7 percent plus or minus 6.1
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Boyne City
SBA loans in Boyne City (7(a))
- Approvals18
- Gross approval$4,390,200
- Average approval$243,900
- Median approval$80,000
- Largest approval$1,372,500
- Jobs supported151
- Jobs per approval8.4
- Loans with a final outcome3
- Paid in full3
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more11.1 percent
- Share to franchises11.1 percent
- Distinct lenders3
- Distinct industries by NAICS11
Counted by borrower city: approvals to borrowers whose address is in Boyne City, in any county, FY2020 to FY2026. Only 3 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Boyne City
SBA loans in Boyne City (504)
- Approvals4
- Gross approval$878,000
- Average approval$219,500
- Median approval$212,000
- Largest approval$317,000
- Jobs supported38
- Loans with a final outcome2
- Charged off0
- Median term240 months
- Distinct CDCs2
Counted by borrower city: approvals to borrowers whose address is in Boyne City, in any county, FY2010 to FY2026. Only 2 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Boyne City
Flood risk in Boyne City
- NFIP communityCity of Boyne City
- NFIP community number260056
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date05/16/19
The City of Boyne City participates in the National Flood Insurance Program as community 260056 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Charlevoix County, not Boyne City
Charlevoix County context, not Boyne City figures
- Establishments in Charlevoix County891
- Covered employment, Charlevoix County10,983
- Average annual pay, Charlevoix County$57,950
- Housing units permitted, Charlevoix County113
Every figure in this section is published for Charlevoix County as a whole and is not a measurement of Boyne City.
All Charlevoix County figures →
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, 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 →
Common questions
Boyne City questions, answered from the record.
How many people live in Boyne City, Michigan?
3,825, in 1,845 households. Boyne City city covers 4.04 square miles of land, which is 947 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Boyne City in?
Charlevoix County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Boyne City?
$64,855. The median owner-occupied home is valued at $249,000. Median gross rent is $906 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Boyne City businesses?
18 7(a) approvals totaling $4.4 m since FY2020, across 3 lenders, median approval $80,000, plus 4 504 approvals worth $878,000 since FY2010. These count approvals to borrowers whose address is in Boyne City, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Boyne City borrowers get paid back?
No rate is published for Boyne City. Only 3 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Boyne City in the National Flood Insurance Program?
Yes. Boyne City appears in the FEMA Community Status Book as Boyne City, city of, community 260056, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Boyne City figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Charlevoix County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Boyne City.
Is zoning published for Boyne City?
No. Nothing on this page presents parcel level zoning.
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