HomeMichiganHoughton CountyHoughton city
Houghton city, Michigan: commercial real estate data.
Houghton city is a Census city of 8,474 people across 4.38 square miles of land, in Houghton County. Median household income is $43,456, 36.9 percent of occupied homes are owned, and the SBA record carries 2 7(a) approvals to borrowers here worth $732,300.
80 sourced place values · tier FULL · 9 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Houghton
What Houghton is
- Census place typecity
- Land area4.38 sq mi
- Water area0.24 sq mi
- Population per square mile of land1,933
- County holding the largest share of its areaHoughton 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.
Houghton
How many people live in Houghton
- Population8,474
- Median age21.7
- Population under 18773 plus or minus 156
- Share under 189.1 percent plus or minus 1.8
- Population 65 and over617 plus or minus 135
- Share 65 and over7.3 percent plus or minus 1.6
- Households2,251
- Family households825 plus or minus 180
- Share of households that are families36.7 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Houghton
Income and work in Houghton
- Median household income$43,456 plus or minus $10,793
- Per capita income$26,716
- Civilian labor force4,165
- Employed3,735
- Unemployed430 plus or minus 187
- Unemployment rate10.3 percent plus or minus 4.4
- Adults 25 and over2,917
- Adults 25 and over with a high school diploma or higher94.9 percent
- Adults 25 and over with a bachelor degree or higher68.6 percent
- Adults 25 and over with a graduate degree47.3 percent plus or minus 10.3
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Houghton
Housing in Houghton
- Housing units2,441
- Occupied units2,251
- Vacant units190 plus or minus 124
- Vacancy rate7.8 percent plus or minus 5.0
- Owner occupied830
- Renter occupied1,421
- Ownership rate36.9 percent
- Median owner-occupied home value$254,500
- Median gross rent, monthly$978 plus or minus $231
- Annual rent as a share of median income27.0 percent plus or minus 9.3
- Single family units1,196
- Share single family49.0 percent
- Units in buildings of two or more1,223 plus or minus 309
- Share in buildings of two or more50.1 percent plus or minus 11.6
- Mobile homes22 plus or minus 26
- Median year structure built1977
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Houghton
How Houghton gets to work
- Workers 16 and over who commute3,360
- Commuting under 15 minutes2,526
- Share commuting under 15 minutes75.2 percent
- Commuting 30 minutes or more195 plus or minus 92
- Share commuting 30 minutes or more5.8 percent plus or minus 2.7
- Drove alone43.4 percent
- Carpooled6.1 percent plus or minus 2.2
- Public transport9.4 percent plus or minus 9.1
- Walked28.7 percent plus or minus 7.7
- Worked from home10.2 percent plus or minus 4.9
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Houghton
SBA loans in Houghton (7(a))
- Approvals2
- Gross approval$732,300
- Average approval$366,150
- Median approval$538,300
- Ninetieth percentile approval$538,300
- Largest approval$538,300
- Jobs supported9
- Jobs per approval4.5
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term84 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises0.0 percent
- Distinct lenders2
- Distinct industries by NAICS2
A charge-off rate is not published here. only 0 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.
Houghton
SBA loans in Houghton (504)
- Approvals3
- Gross approval$5,629,000
- Average approval$1,876,333
- Median approval$1,076,000
- Largest approval$3,771,000
- Jobs supported55
- Loans with a final outcome1
- Charged off0
- Median term300 months
- Distinct CDCs1
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Houghton
Flood risk in Houghton
- Listed NFIP communities2
- Of those, participating2
- NFIP community number260568
- Currently effective map date(NSFHA)
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.
Houghton County, not Houghton
Houghton County context, not Houghton figures
These are Houghton County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Houghton measurements.
- Establishments in Houghton County891
- Employment at those establishments, Houghton County9,246
- Covered employment, Houghton County12,124
- Average annual pay, Houghton County$54,867
- Average weekly wage, Houghton County$1,055
- Housing units permitted, Houghton County111
- Of those, single family, Houghton County103
- County product, 2024, Houghton County$1,588,874,000
- County product change over the prior year, Houghton County7.0 percent
- Average income of an arriving household, Houghton County$64,949
Every figure in this section is published for Houghton County as a whole and is not a measurement of Houghton. 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
Houghton questions, answered from the record.
How many people live in Houghton, Michigan?
8,474, in 2,251 households. Houghton city covers 4.38 square miles of land, which is 1,933 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Houghton in?
Houghton 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 Houghton?
$43,456. The median owner-occupied home is valued at $254,500. Median gross rent is $978 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Houghton businesses?
2 7(a) approvals totalling $732,300, across 2 lenders, median approval $538,300, plus 3 504 approvals worth $5.6 m. These count approvals to borrowers whose address is in Houghton, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Houghton borrowers get paid back?
No rate is published for Houghton. only 0 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 Houghton in the National Flood Insurance Program?
Yes. Houghton appears in the FEMA Community Status Book as community 260568, 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 Houghton figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Houghton 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 Houghton.
Is zoning published for Houghton?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.