HomeMichiganGenesee CountySwartz Creek
Swartz Creek, Michigan: commercial real estate data.
Swartz Creek is a Census city of 5,853 people across 4.19 square miles of land, in Genesee County. Median household income is $71,571, 69.9 percent of occupied homes are owned, and the SBA record carries 23 7(a) approvals to borrowers here worth $8.3 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Swartz Creek
What Swartz Creek is
- Census place typecity
- Land area4.19 sq mi
- Water area0 sq mi
- Population per square mile of land1,396
- 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.
Swartz Creek
How many people live in Swartz Creek
- Population5,853
- Median age46.2
- Population under 181,089 plus or minus 266
- Share under 1818.6 percent plus or minus 4.5
- Population 65 and over1,502
- Share 65 and over25.7 percent
- Households2,558
- Family households1,730
- Share of households that are families67.6 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Swartz Creek
Income and work in Swartz Creek
- Median household income$71,571 plus or minus $14,631
- Per capita income$45,655 plus or minus $12,160
- Civilian labor force2,685
- Employed2,670
- Unemployed15 plus or minus 24
- Unemployment rate0.6 percent plus or minus 0.9
- Adults 25 and over4,164
- Adults 25 and over with a high school diploma or higher97.9 percent
- Adults 25 and over with a bachelor degree or higher22.0 percent plus or minus 5.8
- Adults 25 and over with a graduate degree4.8 percent plus or minus 2.1
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Swartz Creek
Housing in Swartz Creek
- Housing units2,753
- Occupied units2,558
- Vacant units195 plus or minus 206
- Vacancy rate7.1 percent plus or minus 7.5
- Owner occupied1,788
- Renter occupied770 plus or minus 177
- Ownership rate69.9 percent
- Median owner-occupied home value$174,200
- Median gross rent, monthly$1,247 plus or minus $290
- Annual rent as a share of median income20.9 percent plus or minus 6.5
- Single family units1,974
- Share single family71.7 percent
- Units in buildings of two or more523 plus or minus 173
- Share in buildings of two or more19.0 percent plus or minus 6.0
- Mobile homes256 plus or minus 112
- Median year structure built1978
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Swartz Creek
How Swartz Creek gets to work
- Workers 16 and over who commute2,172
- Commuting under 15 minutes541 plus or minus 185
- Share commuting under 15 minutes24.9 percent plus or minus 8.0
- Commuting 30 minutes or more745 plus or minus 210
- Share commuting 30 minutes or more34.3 percent plus or minus 8.8
- Drove alone79.9 percent
- Carpooled4.4 percent plus or minus 4.0
- Public transport0.0 percent
- Walked0.7 percent plus or minus 1.0
- Worked from home15.1 percent plus or minus 6.9
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Swartz Creek
SBA loans in Swartz Creek (7(a))
- Approvals23
- Gross approval$8,263,300
- Average approval$359,274
- Median approval$82,900
- Ninetieth percentile approval$600,000
- Largest approval$3,503,400
- Jobs supported234
- Jobs per approval10.2
- Loans with a final outcome4
- Paid in full4
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more8.7 percent
- Share to franchises0.0 percent
- Distinct lenders8
- Distinct industries by NAICS17
Counted by borrower city: approvals to borrowers whose address is in Swartz Creek, in any county, FY2020 to FY2026. Only 4 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.
Swartz Creek
SBA loans in Swartz Creek (504)
- Approvals2
- Gross approval$2,016,000
- Average approval$1,008,000
- Median approval$1,008,000
- Largest approval$1,770,000
- Jobs supported3
- Loans with a final outcome0
- Charged off0
- Median term300 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Swartz Creek, in any county, FY2010 to FY2026. Only 0 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.
Swartz Creek
Flood risk in Swartz Creek
- NFIP communityCity of Swartz Creek
- NFIP community number260080
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date09/25/09
The City of Swartz Creek participates in the National Flood Insurance Program as community 260080 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 Swartz Creek
Genesee County context, not Swartz Creek 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 Swartz Creek.
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
Swartz Creek questions, answered from the record.
How many people live in Swartz Creek, Michigan?
5,853, in 2,558 households. Swartz Creek city covers 4.19 square miles of land, which is 1,396 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Swartz Creek 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 Swartz Creek?
$71,571. The median owner-occupied home is valued at $174,200. Median gross rent is $1,247 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Swartz Creek businesses?
23 7(a) approvals totaling $8.3 m since FY2020, across 8 lenders, median approval $82,900, plus 2 504 approvals worth $2.0 m since FY2010. These count approvals to borrowers whose address is in Swartz Creek, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Swartz Creek borrowers get paid back?
No rate is published for Swartz Creek. Only 4 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 Swartz Creek in the National Flood Insurance Program?
Yes. Swartz Creek appears in the FEMA Community Status Book as Swartz Creek, city of, community 260080, 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 Swartz Creek 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 Swartz Creek.
Is zoning published for Swartz Creek?
No. Nothing on this page presents parcel level zoning.
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