HomeMichiganHuron CountyHarbor Beach city
Harbor Beach city, Michigan: commercial real estate data.
Harbor Beach city 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.
70 sourced place values · tier FULL · 8 sections · 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$540,000
- Ninetieth percentile approval$540,000
- Largest approval$540,000
- Jobs supported36
- Jobs per approval18.0
- Loans with a final outcome1
- Paid in full1
- Charged off0
- Median term300 months
- Share on real estate terms of 20 years or more50.0 percent
- Share to franchises0.0 percent
- Distinct lenders2
- Distinct industries by NAICS2
A charge-off rate is not published here. only 1 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.
Harbor Beach
Flood risk in Harbor Beach
- Listed NFIP communities1
- Of those, participating1
- NFIP community number260570
- Currently effective map date12/02/08
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.
Huron County, not Harbor Beach
Huron County context, not Harbor Beach figures
These are Huron County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Harbor Beach measurements.
- Establishments in Huron County933
- Employment at those establishments, Huron County10,758
- Covered employment, Huron County11,234
- Average annual pay, Huron County$50,295
- Average weekly wage, Huron County$967
- Housing units permitted, Huron County64
- Of those, single family, Huron County64
- County product, 2024, Huron County$2,157,937,000
- County product change over the prior year, Huron County7.1 percent
- Average income of an arriving household, Huron County$57,901
Every figure in this section is published for Huron County as a whole and is not a measurement of Harbor Beach. 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
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 totalling $1.0 m, across 2 lenders, median approval $540,000. 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 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 Harbor Beach in the National Flood Insurance Program?
Yes. Harbor Beach appears in the FEMA Community Status Book as 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 labelled 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?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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