HomeMichiganGenesee CountyGaines
Gaines, Michigan: commercial real estate data.
Gaines is a Census village of 552 people across 0.37 square miles of land, in Genesee County. Median household income is $62,083, 89.2 percent of occupied homes are owned, and the SBA record carries 6 7(a) approvals to borrowers here worth $875,000 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Gaines
What Gaines is
- Census place typevillage
- Land area0.37 sq mi
- Water area0 sq mi
- Population per square mile of land1,477 plus or minus 664
- County holding the largest share of its areaGenesee 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.
Gaines
How many people live in Gaines
- Population552 plus or minus 248
- Median age42.9 plus or minus 9.4
- Population under 18149 plus or minus 65
- Share under 1827.0 percent plus or minus 16.9
- Population 65 and over116 plus or minus 47
- Share 65 and over21.0 percent plus or minus 12.7
- Households195 plus or minus 68
- Family households141 plus or minus 64
- Share of households that are families72.3 percent plus or minus 21.0
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gaines
Income and work in Gaines
- Median household income$62,083 plus or minus $19,949
- Per capita income$27,484
- Civilian labor force227 plus or minus 103
- Employed218 plus or minus 102
- Unemployed9 plus or minus 9
- Unemployment rate4.0 percent plus or minus 3.5
- Adults 25 and over369 plus or minus 141
- Adults 25 and over with a high school diploma or higher78.6 percent plus or minus 35.6
- Adults 25 and over with a bachelor degree or higher11.7 percent plus or minus 5.5
- Adults 25 and over with a graduate degree0.5 percent plus or minus 3.3
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gaines
Housing in Gaines
- Housing units205 plus or minus 70
- Occupied units195 plus or minus 68
- Vacant units10 plus or minus 10
- Vacancy rate4.9 percent plus or minus 4.6
- Owner occupied174 plus or minus 70
- Renter occupied21 plus or minus 16
- Ownership rate89.2 percent plus or minus 17.9
- Median owner-occupied home value$134,800
- Median gross rent, monthly$850 plus or minus $330
- Annual rent as a share of median income16.4 percent plus or minus 8.3
- Single family units180 plus or minus 70
- Share single family87.8 percent
- Units in buildings of two or more15 plus or minus 16
- Share in buildings of two or more7.3 percent plus or minus 7.6
- Mobile homes10 plus or minus 14
- Median year structure built1952
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gaines
How Gaines gets to work
- Workers 16 and over who commute203 plus or minus 100
- Commuting under 15 minutes37 plus or minus 31
- Share commuting under 15 minutes18.2 percent plus or minus 12.5
- Commuting 30 minutes or more86 plus or minus 47
- Share commuting 30 minutes or more42.4 percent plus or minus 10.6
- Drove alone79.4 percent
- Carpooled11.0 percent plus or minus 13.3
- Public transport0.0 percent
- Walked1.8 percent plus or minus 2.1
- Worked from home6.9 percent plus or minus 2.6
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gaines
SBA loans in Gaines (7(a))
- Approvals6
- Gross approval$875,000
- Average approval$145,833
- Median approval$75,000
- Largest approval$485,000
- Jobs supported17
- Jobs per approval2.8
- Loans with a final outcome2
- Paid in full2
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more33.3 percent
- Share to franchises0.0 percent
- Distinct lenders3
- Distinct industries by NAICS5
Counted by borrower city: approvals to borrowers whose address is in Gaines, 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.
Gaines
Flood risk in Gaines
- NFIP communityTownship of Gaines
- NFIP community number260293
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date09/25/09
The Township of Gaines participates in the National Flood Insurance Program as community 260293 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.
Genesee County, not Gaines
Genesee County context, not Gaines figures
- Establishments in Genesee County7,733
- Covered employment, Genesee County133,787
- Average annual pay, Genesee County$55,798
- Housing units permitted, Genesee County420
Every figure in this section is published for Genesee County as a whole and is not a measurement of Gaines.
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
Gaines questions, answered from the record.
How many people live in Gaines, Michigan?
552, in 195 households. Gaines village covers 0.37 square miles of land, which is 1,477 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Gaines in?
Genesee 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 Gaines?
$62,083. The median owner-occupied home is valued at $134,800. Median gross rent is $850 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Gaines businesses?
6 7(a) approvals totaling $875,000 since FY2020, across 3 lenders, median approval $75,000. These count approvals to borrowers whose address is in Gaines, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Gaines borrowers get paid back?
No rate is published for Gaines. 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 Gaines in the National Flood Insurance Program?
Yes. Gaines appears in the FEMA Community Status Book as Gaines, township of, community 260293, 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 Gaines figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Genesee 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 Gaines.
Is zoning published for Gaines?
No. Nothing on this page presents parcel level zoning.
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