HomeMichiganMason CountyLudington
Ludington, Michigan: commercial real estate data.
Ludington is a Census city of 7,676 people across 3.36 square miles of land, in Mason County. Median household income is $46,411, 59.6 percent of occupied homes are owned, and the SBA record carries 22 7(a) approvals to borrowers here worth $10.9 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Ludington
What Ludington is
- Census place typecity
- Land area3.36 sq mi
- Water area0.24 sq mi
- Population per square mile of land2,284
- County holding the largest share of its areaMason 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.
Ludington
How many people live in Ludington
- Population7,676
- Median age45.3
- Population under 181,545
- Share under 1820.1 percent
- Population 65 and over2,302
- Share 65 and over30.0 percent
- Households3,706
- Family households2,013
- Share of households that are families54.3 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ludington
Income and work in Ludington
- Median household income$46,411 plus or minus $9,605
- Per capita income$35,465
- Civilian labor force3,254
- Employed3,136
- Unemployed118 plus or minus 74
- Unemployment rate3.6 percent plus or minus 2.3
- Adults 25 and over5,770
- Adults 25 and over with a high school diploma or higher93.2 percent
- Adults 25 and over with a bachelor degree or higher28.9 percent
- Adults 25 and over with a graduate degree12.3 percent plus or minus 3.6
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ludington
Housing in Ludington
- Housing units4,452
- Occupied units3,706
- Vacant units746 plus or minus 245
- Vacancy rate16.8 percent plus or minus 5.4
- Owner occupied2,210
- Renter occupied1,496
- Ownership rate59.6 percent
- Median owner-occupied home value$201,100
- Median gross rent, monthly$902
- Annual rent as a share of median income23.3 percent plus or minus 6.0
- Single family units2,720
- Share single family61.1 percent
- Units in buildings of two or more1,645
- Share in buildings of two or more36.9 percent
- Mobile homes87 plus or minus 122
- Median year structure built1957
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ludington
How Ludington gets to work
- Workers 16 and over who commute2,675
- Commuting under 15 minutes1,651
- Share commuting under 15 minutes61.7 percent
- Commuting 30 minutes or more225 plus or minus 94
- Share commuting 30 minutes or more8.4 percent plus or minus 3.4
- Drove alone63.5 percent
- Carpooled16.1 percent plus or minus 6.7
- Public transport2.2 percent plus or minus 1.5
- Walked4.1 percent plus or minus 2.8
- Worked from home13.3 percent plus or minus 3.8
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ludington
SBA loans in Ludington (7(a))
- Approvals22
- Gross approval$10,860,900
- Average approval$493,677
- Median approval$346,900
- Ninetieth percentile approval$766,620
- Largest approval$2,641,700
- Jobs supported260
- Jobs per approval11.8
- Loans with a final outcome4
- Paid in full4
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more40.9 percent
- Share to franchises9.1 percent
- Distinct lenders5
- Distinct industries by NAICS20
Counted by borrower city: approvals to borrowers whose address is in Ludington, in any county, FY2020 to FY2026. Only 4 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.
Ludington
SBA loans in Ludington (504)
- Approvals9
- Gross approval$8,183,000
- Average approval$909,222
- Median approval$573,000
- Largest approval$2,850,000
- Jobs supported42
- Loans with a final outcome1
- Charged off0
- Median term240 months
- Distinct CDCs2
Counted by borrower city: approvals to borrowers whose address is in Ludington, 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.
Ludington
Flood risk in Ludington
- NFIP communityCity of Ludington
- NFIP community number260581
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date08/24/21
The City of Ludington participates in the National Flood Insurance Program as community 260581 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.
Mason County, not Ludington
Mason County context, not Ludington figures
- Establishments in Mason County738
- Covered employment, Mason County10,186
- Average annual pay, Mason County$48,523
- Housing units permitted, Mason County177
Every figure in this section is published for Mason County as a whole and is not a measurement of Ludington.
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
Ludington questions, answered from the record.
How many people live in Ludington, Michigan?
7,676, in 3,706 households. Ludington city covers 3.36 square miles of land, which is 2,284 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Ludington in?
Mason 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 Ludington?
$46,411. The median owner-occupied home is valued at $201,100. Median gross rent is $902 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Ludington businesses?
22 7(a) approvals totaling $10.9 m since FY2020, across 5 lenders, median approval $346,900, plus 9 504 approvals worth $8.2 m since FY2010. These count approvals to borrowers whose address is in Ludington, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Ludington borrowers get paid back?
No rate is published for Ludington. Only 4 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 Ludington in the National Flood Insurance Program?
Yes. Ludington appears in the FEMA Community Status Book as Ludington, city of, community 260581, 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 Ludington figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Mason 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 Ludington.
Is zoning published for Ludington?
No. Nothing on this page presents parcel level zoning.
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