HomeMichiganMacomb CountyUtica city
Utica city, Michigan: commercial real estate data.
Utica city is a Census city of 5,180 people across 1.76 square miles of land, in Macomb County. Median household income is $58,718, 59.1 percent of occupied homes are owned, and the SBA record carries 39 7(a) approvals to borrowers here worth $12.6 m.
80 sourced place values · tier FULL · 9 sections
Utica
What Utica is
- Census place typecity
- Land area1.76 sq mi
- Water area0.02 sq mi
- Population per square mile of land2,944
- County holding the largest share of its areaMacomb 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.
Utica
How many people live in Utica
- Population5,180
- Median age45.3
- Population under 18810 plus or minus 173
- Share under 1815.6 percent plus or minus 3.3
- Population 65 and over1,272 plus or minus 262
- Share 65 and over24.6 percent plus or minus 5.1
- Households2,489
- Family households1,148
- Share of households that are families46.1 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Utica
Income and work in Utica
- Median household income$58,718
- Per capita income$39,949
- Civilian labor force2,791
- Employed2,730
- Unemployed61 plus or minus 50
- Unemployment rate2.2 percent plus or minus 1.8
- Adults 25 and over3,982
- Adults 25 and over with a high school diploma or higher95.3 percent
- Adults 25 and over with a bachelor degree or higher32.0 percent
- Adults 25 and over with a graduate degree10.2 percent plus or minus 4.3
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Utica
Housing in Utica
- Housing units2,565
- Occupied units2,489
- Vacant units76 plus or minus 63
- Vacancy rate3.0 percent plus or minus 2.4
- Owner occupied1,471
- Renter occupied1,018
- Ownership rate59.1 percent
- Median owner-occupied home value$231,100
- Median gross rent, monthly$1,131
- Annual rent as a share of median income23.1 percent
- Single family units1,525
- Share single family59.5 percent
- Units in buildings of two or more1,026 plus or minus 239
- Share in buildings of two or more40.0 percent plus or minus 8.8
- Mobile homes14 plus or minus 15
- Median year structure built1976
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Utica
How Utica gets to work
- Workers 16 and over who commute2,361
- Commuting under 15 minutes663 plus or minus 156
- Share commuting under 15 minutes28.1 percent plus or minus 6.2
- Commuting 30 minutes or more899 plus or minus 199
- Share commuting 30 minutes or more38.1 percent plus or minus 7.8
- Drove alone77.8 percent
- Carpooled6.3 percent plus or minus 3.8
- Public transport0.3 percent plus or minus 0.5
- Walked2.6 percent plus or minus 2.6
- Worked from home10.9 percent plus or minus 3.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Utica
SBA 7(a) lending to Utica borrowers
- Approvals39
- Gross approval$12,569,300
- Average approval$322,290
- Median approval$125,000
- Ninetieth percentile approval$750,000
- Largest approval$3,900,000
- Jobs supported360
- Jobs per approval9.2
- Loans with a final outcome8
- Paid in full8
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more2.6 percent
- Share to franchises10.3 percent
- Distinct lenders14
- Distinct industries by NAICS28
A charge-off rate is not published here. only 8 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.
Utica
SBA 504 lending to Utica borrowers
- Approvals3
- Gross approval$1,527,000
- Average approval$509,000
- Median approval$577,000
- Largest approval$770,000
- Jobs supported76
- Loans with a final outcome1
- Charged off0
- Median term240 months
- Distinct CDCs1
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Utica
Flood programme status in Utica
- Listed NFIP communities1
- Of those, participating1
- NFIP community number260608
- Currently effective map date09/29/06
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.
Macomb County, not Utica
Macomb County context, not Utica figures
These are Macomb County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Utica measurements.
- Establishments in Macomb County19,593
- Employment at those establishments, Macomb County328,741
- Covered employment, Macomb County336,295
- Average annual pay, Macomb County$71,046
- Average weekly wage, Macomb County$1,366
- Housing units permitted, Macomb County1,317
- Of those, single family, Macomb County1,080
- County product, 2024, Macomb County$54,177,053,000
- County product change over the prior year, Macomb County3.5 percent
- Average income of an arriving household, Macomb County$54,393
Every figure in this section is published for Macomb County as a whole and is not a measurement of Utica. 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
Utica questions, answered from the record.
How many people live in Utica, Michigan?
5,180, in 2,489 households. Utica city covers 1.76 square miles of land, which is 2,944 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Utica in?
Macomb 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 Utica?
$58,718. The median owner-occupied home is valued at $231,100. Median gross rent is $1,131 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Utica businesses?
39 7(a) approvals totalling $12.6 m, across 14 lenders, median approval $125,000, plus 3 504 approvals worth $1.5 m. These count approvals to borrowers whose address is in Utica, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Utica borrowers get paid back?
No rate is published for Utica. only 8 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 Utica in the National Flood Insurance Program?
Yes. Utica appears in the FEMA Community Status Book as community 260608, 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 Utica figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Macomb 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 Utica.
Is zoning published for Utica?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.