HomeMichiganEmmet CountyMackinaw City village
Mackinaw City village, Michigan: commercial real estate data.
Mackinaw City village is a Census village of 778 people across 3.44 square miles of land, lying across Emmet County and Cheboygan County. Median household income is $42,031, 66.9 percent of occupied homes are owned, and the SBA record carries 9 7(a) approvals to borrowers here worth $5.0 m.
81 sourced place values · tier FULL · 9 sections
Mackinaw City
What Mackinaw City is
- Census place typevillage
- Land area3.44 sq mi
- Water area4.21 sq mi
- Population per square mile of land226
- County holding the largest share of its areaEmmet County, 82.9 percent
- Counties this place lies inEmmet County 82.9 percent, Cheboygan County 17.1 percent
Mackinaw City village crosses a county line. The split above is measured from the Census boundary of the place against the county boundaries, by area, so it says where the ground is and not where the town hall is.
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Mackinaw City
How many people live in Mackinaw City
- Population778
- Median age49.1
- Population under 18112 plus or minus 37
- Share under 1814.4 percent plus or minus 4.2
- Population 65 and over243 plus or minus 51
- Share 65 and over31.2 percent
- Households375
- Family households204 plus or minus 41
- Share of households that are families54.4 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Mackinaw City
Income and work in Mackinaw City
- Median household income$42,031 plus or minus $13,174
- Per capita income$28,688
- Civilian labor force403 plus or minus 100
- Employed338 plus or minus 98
- Unemployed65 plus or minus 42
- Unemployment rate16.1 percent plus or minus 9.6
- Adults 25 and over590
- Adults 25 and over with a high school diploma or higher92.9 percent
- Adults 25 and over with a bachelor degree or higher29.0 percent plus or minus 6.4
- Adults 25 and over with a graduate degree4.7 percent plus or minus 2.6
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Mackinaw City
Housing in Mackinaw City
- Housing units679
- Occupied units375
- Vacant units304 plus or minus 72
- Vacancy rate44.8 percent
- Owner occupied251 plus or minus 66
- Renter occupied124 plus or minus 46
- Ownership rate66.9 percent
- Median owner-occupied home value$224,300
- Median gross rent, monthly$865 plus or minus $263
- Annual rent as a share of median income24.7 percent plus or minus 10.8
- Single family units511
- Share single family75.3 percent
- Units in buildings of two or more155 plus or minus 48
- Share in buildings of two or more22.8 percent plus or minus 6.3
- Mobile homes13 plus or minus 13
- Median year structure built1972
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Mackinaw City
How Mackinaw City gets to work
- Workers 16 and over who commute302 plus or minus 80
- Commuting under 15 minutes216 plus or minus 67
- Share commuting under 15 minutes71.5 percent
- Commuting 30 minutes or more45 plus or minus 23
- Share commuting 30 minutes or more14.9 percent plus or minus 6.5
- Drove alone70.0 percent plus or minus 27.4
- Carpooled6.2 percent plus or minus 6.6
- Public transport0.0 percent
- Walked8.6 percent plus or minus 7.3
- Worked from home10.4 percent plus or minus 9.9
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Mackinaw City
SBA 7(a) lending to Mackinaw City borrowers
- Approvals9
- Gross approval$4,973,100
- Average approval$552,567
- Median approval$379,600
- Ninetieth percentile approval$2,010,000
- Largest approval$2,010,000
- Jobs supported269
- Jobs per approval29.9
- Loans with a final outcome2
- Paid in full2
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more22.2 percent
- Share to franchises22.2 percent
- Distinct lenders5
- Distinct industries by NAICS6
A charge-off rate is not published here. only 2 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.
Mackinaw City
SBA 504 lending to Mackinaw City borrowers
- Approvals3
- Gross approval$1,047,000
- Average approval$349,000
- Median approval$284,000
- Largest approval$536,000
- Jobs supported22
- Loans with a final outcome0
- Charged off0
- Median term240 months
- Distinct CDCs2
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Mackinaw City
Flood programme status in Mackinaw City
- Listed NFIP communities2
- Of those, participating2
- NFIP community number260674
- Currently effective map date07/19/22
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 Mackinaw City
Emmet County context, not Mackinaw City 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 Mackinaw City 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 Mackinaw City. 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
Mackinaw City questions, answered from the record.
How many people live in Mackinaw City, Michigan?
778, in 375 households. Mackinaw City village covers 3.44 square miles of land, which is 226 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Mackinaw City in?
Mackinaw City lies in more than one. By area it is 82.9 percent in Emmet County, 17.1 percent in Cheboygan County. This page sits under Emmet County because that county holds the largest share. The split is measured from the Census boundary of the place against the county boundaries.
What is the median household income in Mackinaw City?
$42,031. The median owner-occupied home is valued at $224,300. Median gross rent is $865 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Mackinaw City businesses?
9 7(a) approvals totalling $5.0 m, across 5 lenders, median approval $379,600, plus 3 504 approvals worth $1.0 m. These count approvals to borrowers whose address is in Mackinaw City, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Mackinaw City borrowers get paid back?
No rate is published for Mackinaw City. only 2 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 Mackinaw City in the National Flood Insurance Program?
Yes. Mackinaw City appears in the FEMA Community Status Book as community 260674, 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 Mackinaw City 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 Mackinaw City.
Is zoning published for Mackinaw City?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.