HomeMichiganMontcalm CountyHoward City
Howard City, Michigan: commercial real estate data.
Howard City is a Census village of 1,636 people across 2.41 square miles of land, in Montcalm County. Median household income is $54,688, 77.5 percent of occupied homes are owned, and the SBA record carries 7 7(a) approvals to borrowers here worth $2.3 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Howard City
What Howard City is
- Census place typevillage
- Land area2.41 sq mi
- Water area0.03 sq mi
- Population per square mile of land678
- County holding the largest share of its areaMontcalm 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.
Howard City
How many people live in Howard City
- Population1,636
- Median age33.7
- Population under 18382 plus or minus 99
- Share under 1823.3 percent
- Population 65 and over253 plus or minus 56
- Share 65 and over15.5 percent
- Households710 plus or minus 144
- Family households384 plus or minus 82
- Share of households that are families54.1 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Howard City
Income and work in Howard City
- Median household income$54,688 plus or minus $13,530
- Per capita income$28,783
- Civilian labor force846 plus or minus 224
- Employed831 plus or minus 222
- Unemployed15 plus or minus 16
- Unemployment rate1.8 percent plus or minus 1.8
- Adults 25 and over1,155 plus or minus 252
- Adults 25 and over with a high school diploma or higher86.7 percent plus or minus 24.2
- Adults 25 and over with a bachelor degree or higher7.1 percent plus or minus 3.1
- Adults 25 and over with a graduate degree0.0 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Howard City
Housing in Howard City
- Housing units740
- Occupied units710 plus or minus 144
- Vacant units30 plus or minus 29
- Vacancy rate4.1 percent plus or minus 3.8
- Owner occupied550 plus or minus 131
- Renter occupied160 plus or minus 54
- Ownership rate77.5 percent
- Median owner-occupied home value$151,200 plus or minus $42,988
- Median gross rent, monthly$609 plus or minus $124
- Annual rent as a share of median income13.4 percent plus or minus 4.3
- Single family units447 plus or minus 94
- Share single family60.4 percent
- Units in buildings of two or more102 plus or minus 47
- Share in buildings of two or more13.8 percent plus or minus 5.8
- Mobile homes191 plus or minus 104
- Median year structure built1990
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Howard City
How Howard City gets to work
- Workers 16 and over who commute785 plus or minus 210
- Commuting under 15 minutes102 plus or minus 45
- Share commuting under 15 minutes13.0 percent plus or minus 4.5
- Commuting 30 minutes or more434 plus or minus 125
- Share commuting 30 minutes or more55.3 percent
- Drove alone74.5 percent
- Carpooled15.4 percent plus or minus 9.0
- Public transport0.0 percent
- Walked1.5 percent plus or minus 1.6
- Worked from home5.1 percent plus or minus 3.0
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Howard City
SBA loans in Howard City (7(a))
- Approvals7
- Gross approval$2,258,000
- Average approval$322,571
- Median approval$60,000
- Largest approval$1,515,000
- Jobs supported64
- Jobs per approval9.1
- Loans with a final outcome1
- Paid in full1
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more14.3 percent
- Share to franchises14.3 percent
- Distinct lenders3
- Distinct industries by NAICS7
Counted by borrower city: approvals to borrowers whose address is in Howard City, 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.
Montcalm County, not Howard City
Montcalm County context, not Howard City figures
- Establishments in Montcalm County1,058
- Covered employment, Montcalm County16,263
- Average annual pay, Montcalm County$47,244
- Housing units permitted, Montcalm County271
Every figure in this section is published for Montcalm County as a whole and is not a measurement of Howard City.
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
Howard City questions, answered from the record.
How many people live in Howard City, Michigan?
1,636, in 710 households. Howard City village covers 2.41 square miles of land, which is 678 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Howard City in?
Montcalm 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 Howard City?
$54,688. The median owner-occupied home is valued at $151,200. Median gross rent is $609 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Howard City businesses?
7 7(a) approvals totaling $2.3 m since FY2020, across 3 lenders, median approval $60,000. These count approvals to borrowers whose address is in Howard City, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Howard City borrowers get paid back?
No rate is published for Howard City. 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.
Are the county figures on this page Howard City figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Montcalm 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 Howard City.
Is zoning published for Howard City?
No. Nothing on this page presents parcel level zoning.
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