HomeMichiganMacomb CountyUtica
Utica, Michigan: commercial real estate data.
Utica 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 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
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 loans in Utica (7(a))
- Approvals39
- Gross approval$12,569,300
- Average approval$322,290
- Median approval$125,000
- Ninetieth percentile approval$630,000
- 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
Counted by borrower city: approvals to borrowers whose address is in Utica, in any county, FY2020 to FY2026. Only 8 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.
Utica
SBA loans in Utica (504)
- 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
Counted by borrower city: approvals to borrowers whose address is in Utica, in any county, FY2010 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, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Utica
Flood risk in Utica
- NFIP communityCity of Utica
- NFIP community number260608
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date09/29/06
The City of Utica participates in the National Flood Insurance Program as community 260608 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.
Macomb County, not Utica
Macomb County context, not Utica figures
- Establishments in Macomb County19,593
- Covered employment, Macomb County336,295
- Average annual pay, Macomb County$71,046
- Housing units permitted, Macomb County1,317
Every figure in this section is published for Macomb County as a whole and is not a measurement of Utica.
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
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 totaling $12.6 m since FY2020, across 14 lenders, median approval $125,000, plus 3 504 approvals worth $1.5 m since FY2010. 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 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 Utica in the National Flood Insurance Program?
Yes. Utica appears in the FEMA Community Status Book as Utica, city of, 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 labeled 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?
No. Nothing on this page presents parcel level zoning.