HomeMichiganCheboygan CountyCheboygan
Cheboygan, Michigan: commercial real estate data.
Cheboygan is a Census city of 4,820 people across 6.86 square miles of land, in Cheboygan County. Median household income is $42,290, 66.9 percent of occupied homes are owned, and the SBA record carries 15 7(a) approvals to borrowers here worth $10.8 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Cheboygan
What Cheboygan is
- Census place typecity
- Land area6.86 sq mi
- Water area0.13 sq mi
- Population per square mile of land702
- County holding the largest share of its areaCheboygan 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.
Cheboygan
How many people live in Cheboygan
- Population4,820
- Median age43.3
- Population under 18791
- Share under 1816.4 percent
- Population 65 and over1,159
- Share 65 and over24.0 percent
- Households2,164
- Family households1,102
- Share of households that are families50.9 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cheboygan
Income and work in Cheboygan
- Median household income$42,290
- Per capita income$26,356
- Civilian labor force2,088
- Employed1,896
- Unemployed192 plus or minus 100
- Unemployment rate9.2 percent plus or minus 4.7
- Adults 25 and over3,649
- Adults 25 and over with a high school diploma or higher84.9 percent
- Adults 25 and over with a bachelor degree or higher18.8 percent plus or minus 4.4
- Adults 25 and over with a graduate degree5.8 percent plus or minus 2.6
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cheboygan
Housing in Cheboygan
- Housing units2,398
- Occupied units2,164
- Vacant units234 plus or minus 117
- Vacancy rate9.8 percent plus or minus 4.8
- Owner occupied1,448
- Renter occupied716
- Ownership rate66.9 percent
- Median owner-occupied home value$123,200
- Median gross rent, monthly$683
- Annual rent as a share of median income19.4 percent plus or minus 4.1
- Single family units1,612
- Share single family67.2 percent
- Units in buildings of two or more580 plus or minus 147
- Share in buildings of two or more24.2 percent plus or minus 5.9
- Mobile homes206 plus or minus 120
- Median year structure built1959
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cheboygan
How Cheboygan gets to work
- Workers 16 and over who commute1,802
- Commuting under 15 minutes999
- Share commuting under 15 minutes55.4 percent
- Commuting 30 minutes or more486 plus or minus 135
- Share commuting 30 minutes or more27.0 percent plus or minus 7.0
- Drove alone72.3 percent
- Carpooled16.6 percent plus or minus 6.5
- Public transport1.1 percent plus or minus 1.2
- Walked2.9 percent plus or minus 2.0
- Worked from home4.3 percent plus or minus 2.6
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cheboygan
SBA loans in Cheboygan (7(a))
- Approvals15
- Gross approval$10,838,100
- Average approval$722,540
- Median approval$296,000
- Largest approval$4,947,000
- Jobs supported255
- Jobs per approval17.0
- Loans with a final outcome2
- Paid in full2
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more26.7 percent
- Share to franchises6.7 percent
- Distinct lenders4
- Distinct industries by NAICS11
Counted by borrower city: approvals to borrowers whose address is in Cheboygan, in any county, FY2020 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, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Cheboygan
SBA loans in Cheboygan (504)
- Approvals5
- Gross approval$1,984,000
- Average approval$396,800
- Median approval$340,000
- Largest approval$969,000
- Jobs supported34
- Loans with a final outcome2
- Charged off0
- Median term240 months
- Distinct CDCs2
Counted by borrower city: approvals to borrowers whose address is in Cheboygan, 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.
Cheboygan
Flood risk in Cheboygan
- NFIP communityCity of Cheboygan
- NFIP community number260058
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date07/19/22
The City of Cheboygan participates in the National Flood Insurance Program as community 260058 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.
Cheboygan County, not Cheboygan
Cheboygan County context, not Cheboygan figures
- Establishments in Cheboygan County770
- Covered employment, Cheboygan County6,140
- Average annual pay, Cheboygan County$47,915
- Housing units permitted, Cheboygan County78
Every figure in this section is published for Cheboygan County as a whole and is not a measurement of Cheboygan.
All Cheboygan 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
Cheboygan questions, answered from the record.
How many people live in Cheboygan, Michigan?
4,820, in 2,164 households. Cheboygan city covers 6.86 square miles of land, which is 702 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Cheboygan in?
Cheboygan 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 Cheboygan?
$42,290. The median owner-occupied home is valued at $123,200. Median gross rent is $683 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Cheboygan businesses?
15 7(a) approvals totaling $10.8 m since FY2020, across 4 lenders, median approval $296,000, plus 5 504 approvals worth $2.0 m since FY2010. These count approvals to borrowers whose address is in Cheboygan, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Cheboygan borrowers get paid back?
No rate is published for Cheboygan. Only 2 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 Cheboygan in the National Flood Insurance Program?
Yes. Cheboygan appears in the FEMA Community Status Book as Cheboygan, city of, community 260058, 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 Cheboygan figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Cheboygan 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 Cheboygan.
Is zoning published for Cheboygan?
No. Nothing on this page presents parcel level zoning.
Nearby