HomeMichiganHuron CountyHarbor Beach
Harbor Beach, Michigan: commercial real estate data.
Harbor Beach is a Census city of 1,582 people across 1.72 square miles of land, in Huron County. Median household income is $40,809, 76.2 percent of occupied homes are owned, and the SBA record carries 2 7(a) approvals to borrowers here worth $1.0 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Harbor Beach
What Harbor Beach is
- Census place typecity
- Land area1.72 sq mi
- Water area0.34 sq mi
- Population per square mile of land919
- County holding the largest share of its areaHuron 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 Beach
How many people live in Harbor Beach
- Population1,582
- Median age46.1
- Population under 18347 plus or minus 71
- Share under 1821.9 percent
- Population 65 and over516
- Share 65 and over32.6 percent
- Households747
- Family households439
- Share of households that are families58.8 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Harbor Beach
Income and work in Harbor Beach
- Median household income$40,809
- Per capita income$26,853
- Civilian labor force611
- Employed601
- Unemployed10 plus or minus 7
- Unemployment rate1.6 percent plus or minus 1.1
- Adults 25 and over1,134
- Adults 25 and over with a high school diploma or higher87.1 percent
- Adults 25 and over with a bachelor degree or higher19.4 percent
- Adults 25 and over with a graduate degree4.1 percent plus or minus 2.3
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Harbor Beach
Housing in Harbor Beach
- Housing units879
- Occupied units747
- Vacant units132 plus or minus 50
- Vacancy rate15.0 percent plus or minus 5.4
- Owner occupied569
- Renter occupied178 plus or minus 42
- Ownership rate76.2 percent
- Median owner-occupied home value$116,600
- Median gross rent, monthly$554 plus or minus $169
- Annual rent as a share of median income16.3 percent plus or minus 5.8
- Single family units715
- Share single family81.3 percent
- Units in buildings of two or more121 plus or minus 47
- Share in buildings of two or more13.8 percent plus or minus 5.1
- Mobile homes43 plus or minus 26
- Median year structure built1952
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Harbor Beach
How Harbor Beach gets to work
- Workers 16 and over who commute536
- Commuting under 15 minutes335 plus or minus 81
- Share commuting under 15 minutes62.5 percent
- Commuting 30 minutes or more96 plus or minus 28
- Share commuting 30 minutes or more17.9 percent plus or minus 4.2
- Drove alone65.6 percent
- Carpooled6.3 percent plus or minus 3.8
- Public transport0.0 percent
- Walked16.9 percent plus or minus 9.1
- Worked from home9.2 percent plus or minus 3.8
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Harbor Beach
SBA loans in Harbor Beach (7(a))
- Approvals2
- Gross approval$1,002,600
- Average approval$501,300
- Median approval$501,300
- Largest approval$540,000
- Jobs supported36
- Jobs per approval18.0
- Loans with a final outcome1
- Paid in full1
- Charged off0
- Median term200 months
- Share on real estate terms of 20 years or more50.0 percent
- Share to franchises0.0 percent
- Distinct lenders2
- Distinct industries by NAICS2
Counted by borrower city: approvals to borrowers whose address is in Harbor Beach, in any county, FY2020 to FY2026. Only 1 loan has 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.
Harbor Beach
Flood risk in Harbor Beach
- NFIP communityCity of Harbor Beach
- NFIP community number260570
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date12/02/08
The City of Harbor Beach participates in the National Flood Insurance Program as community 260570 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.
Huron County, not Harbor Beach
Huron County context, not Harbor Beach figures
- Establishments in Huron County933
- Covered employment, Huron County11,234
- Average annual pay, Huron County$50,295
- Housing units permitted, Huron County64
Every figure in this section is published for Huron County as a whole and is not a measurement of Harbor Beach.
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
Harbor Beach questions, answered from the record.
How many people live in Harbor Beach, Michigan?
1,582, in 747 households. Harbor Beach city covers 1.72 square miles of land, which is 919 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Harbor Beach in?
Huron 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 Beach?
$40,809. The median owner-occupied home is valued at $116,600. Median gross rent is $554 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 Beach businesses?
2 7(a) approvals totaling $1.0 m since FY2020, across 2 lenders, median approval $501,300. These count approvals to borrowers whose address is in Harbor Beach, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Harbor Beach borrowers get paid back?
No rate is published for Harbor Beach. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Harbor Beach in the National Flood Insurance Program?
Yes. Harbor Beach appears in the FEMA Community Status Book as Harbor Beach, city of, community 260570, 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 Beach figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Huron 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 Beach.
Is zoning published for Harbor Beach?
No. Nothing on this page presents parcel level zoning.
Nearby