HomeMichiganEmmet CountyHarbor Springs city
Harbor Springs city, Michigan: commercial real estate data.
Harbor Springs city is a Census city of 1,086 people across 1.30 square miles of land, in Emmet County. Median household income is $75,417, 68.1 percent of occupied homes are owned, and the SBA record carries 18 7(a) approvals to borrowers here worth $6.5 m.
80 sourced place values · tier FULL · 9 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Harbor Springs
What Harbor Springs is
- Census place typecity
- Land area1.3 sq mi
- Water area0 sq mi
- Population per square mile of land834
- County holding the largest share of its areaEmmet 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.
Harbor Springs
How many people live in Harbor Springs
- Population1,086
- Median age62.0
- Population under 1882 plus or minus 35
- Share under 187.6 percent plus or minus 3.0
- Population 65 and over475
- Share 65 and over43.7 percent
- Households527
- Family households277
- Share of households that are families52.6 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Harbor Springs
Income and work in Harbor Springs
- Median household income$75,417 plus or minus $24,494
- Per capita income$65,410 plus or minus $13,533
- Civilian labor force495 plus or minus 104
- Employed475 plus or minus 101
- Unemployed20 plus or minus 19
- Unemployment rate4.0 percent plus or minus 3.7
- Adults 25 and over945
- Adults 25 and over with a high school diploma or higher96.7 percent
- Adults 25 and over with a bachelor degree or higher46.0 percent
- Adults 25 and over with a graduate degree19.7 percent plus or minus 4.1
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Harbor Springs
Housing in Harbor Springs
- Housing units1,082
- Occupied units527
- Vacant units555 plus or minus 115
- Vacancy rate51.3 percent
- Owner occupied359
- Renter occupied168 plus or minus 61
- Ownership rate68.1 percent
- Median owner-occupied home value$415,700
- Median gross rent, monthly$1,027 plus or minus $360
- Annual rent as a share of median income16.3 percent plus or minus 7.8
- Single family units830
- Share single family76.7 percent
- Units in buildings of two or more206 plus or minus 77
- Share in buildings of two or more19.0 percent plus or minus 6.7
- Mobile homes46 plus or minus 17
- Median year structure built1970
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Harbor Springs
How Harbor Springs gets to work
- Workers 16 and over who commute385 plus or minus 93
- Commuting under 15 minutes214 plus or minus 64
- Share commuting under 15 minutes55.6 percent
- Commuting 30 minutes or more59 plus or minus 31
- Share commuting 30 minutes or more15.3 percent plus or minus 7.2
- Drove alone77.1 percent
- Carpooled4.3 percent plus or minus 2.8
- Public transport1.8 percent plus or minus 2.4
- Walked2.2 percent plus or minus 2.9
- Worked from home13.5 percent plus or minus 5.3
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Harbor Springs
SBA loans in Harbor Springs (7(a))
- Approvals18
- Gross approval$6,538,200
- Average approval$363,233
- Median approval$111,000
- Ninetieth percentile approval$664,500
- Largest approval$3,001,400
- Jobs supported189
- Jobs per approval10.5
- Loans with a final outcome1
- Paid in full1
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more11.1 percent
- Share to franchises5.6 percent
- Distinct lenders7
- Distinct industries by NAICS11
A charge-off rate is not published here. only 1 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Harbor Springs
SBA loans in Harbor Springs (504)
- Approvals2
- Gross approval$1,798,000
- Average approval$899,000
- Median approval$1,511,000
- Largest approval$1,511,000
- Jobs supported19
- Loans with a final outcome0
- Charged off0
- Median term300 months
- Distinct CDCs2
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Harbor Springs
Flood risk in Harbor Springs
- Listed NFIP communities1
- Of those, participating1
- NFIP community number260272
- Currently effective map date06/01/22
This community carries no Community Rating System class, so no CRS premium discount applies to it.
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
Emmet County, not Harbor Springs
Emmet County context, not Harbor Springs figures
These are Emmet County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Harbor Springs measurements.
- Establishments in Emmet County1,577
- Employment at those establishments, Emmet County16,212
- Covered employment, Emmet County17,742
- Average annual pay, Emmet County$55,435
- Average weekly wage, Emmet County$1,066
- Housing units permitted, Emmet County161
- Of those, single family, Emmet County159
- County product, 2024, Emmet County$2,559,020,000
- County product change over the prior year, Emmet County5.5 percent
- Average income of an arriving household, Emmet County$133,198
Every figure in this section is published for Emmet County as a whole and is not a measurement of Harbor Springs. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
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. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
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.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
Harbor Springs questions, answered from the record.
How many people live in Harbor Springs, Michigan?
1,086, in 527 households. Harbor Springs city covers 1.30 square miles of land, which is 834 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Harbor Springs in?
Emmet 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 Harbor Springs?
$75,417. The median owner-occupied home is valued at $415,700. Median gross rent is $1,027 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Harbor Springs businesses?
18 7(a) approvals totalling $6.5 m, across 7 lenders, median approval $111,000, plus 2 504 approvals worth $1.8 m. These count approvals to borrowers whose address is in Harbor Springs, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Harbor Springs borrowers get paid back?
No rate is published for Harbor Springs. only 1 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Is Harbor Springs in the National Flood Insurance Program?
Yes. Harbor Springs appears in the FEMA Community Status Book as community 260272, 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 Harbor Springs figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Emmet 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 Harbor Springs.
Is zoning published for Harbor Springs?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.