HomeMichiganNewaygo CountyWhite Cloud city
White Cloud city, Michigan: commercial real estate data.
White Cloud city is a Census city of 1,280 people across 1.93 square miles of land, in Newaygo County. Median household income is $45,192, 65.6 percent of occupied homes are owned, and the SBA record carries 13 7(a) approvals to borrowers here worth $5.1 m.
70 sourced place values · tier FULL · 8 sections · underlined figures are computed by MMCG Analytics, not published by the agency
White Cloud
What White Cloud is
- Census place typecity
- Land area1.93 sq mi
- Water area0.06 sq mi
- Population per square mile of land662
- County holding the largest share of its areaNewaygo 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.
White Cloud
How many people live in White Cloud
- Population1,280
- Median age39.3 plus or minus 8.5
- Population under 18258 plus or minus 69
- Share under 1820.2 percent plus or minus 4.2
- Population 65 and over264 plus or minus 65
- Share 65 and over20.6 percent
- Households430
- Family households278 plus or minus 56
- Share of households that are families64.7 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
White Cloud
Income and work in White Cloud
- Median household income$45,192 plus or minus $10,142
- Per capita income$25,105
- Civilian labor force497 plus or minus 113
- Employed462 plus or minus 104
- Unemployed35 plus or minus 29
- Unemployment rate7.0 percent plus or minus 5.6
- Adults 25 and over932
- Adults 25 and over with a high school diploma or higher85.8 percent plus or minus 19.1
- Adults 25 and over with a bachelor degree or higher14.4 percent plus or minus 3.9
- Adults 25 and over with a graduate degree3.2 percent plus or minus 2.3
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
White Cloud
Housing in White Cloud
- Housing units479
- Occupied units430
- Vacant units49 plus or minus 38
- Vacancy rate10.2 percent plus or minus 7.8
- Owner occupied282 plus or minus 58
- Renter occupied148 plus or minus 49
- Ownership rate65.6 percent
- Median owner-occupied home value$165,900
- Median gross rent, monthly$831
- Annual rent as a share of median income22.1 percent plus or minus 5.7
- Single family units327 plus or minus 66
- Share single family68.3 percent
- Units in buildings of two or more109 plus or minus 48
- Share in buildings of two or more22.8 percent plus or minus 9.4
- Mobile homes43 plus or minus 21
- Median year structure built1971
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
White Cloud
How White Cloud gets to work
- Workers 16 and over who commute416 plus or minus 98
- Commuting under 15 minutes120 plus or minus 45
- Share commuting under 15 minutes28.8 percent plus or minus 8.3
- Commuting 30 minutes or more174 plus or minus 53
- Share commuting 30 minutes or more41.8 percent
- Drove alone68.2 percent
- Carpooled13.4 percent plus or minus 6.9
- Public transport1.7 percent plus or minus 5.0
- Walked3.5 percent plus or minus 3.6
- Worked from home10.0 percent plus or minus 5.4
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
White Cloud
SBA loans in White Cloud (7(a))
- Approvals13
- Gross approval$5,074,800
- Average approval$390,369
- Median approval$45,000
- Ninetieth percentile approval$1,620,000
- Largest approval$1,620,000
- Jobs supported92
- Jobs per approval7.1
- Loans with a final outcome4
- Paid in full4
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises0.0 percent
- Distinct lenders5
- Distinct industries by NAICS11
A charge-off rate is not published here. only 4 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.
White Cloud
Flood risk in White Cloud
- Listed NFIP communities1
- Of those, participating1
- NFIP community number260470
- Currently effective map date02/18/15(M)
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.
Newaygo County, not White Cloud
Newaygo County context, not White Cloud figures
These are Newaygo County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as White Cloud measurements.
- Establishments in Newaygo County829
- Employment at those establishments, Newaygo County11,124
- Covered employment, Newaygo County11,901
- Average annual pay, Newaygo County$49,371
- Average weekly wage, Newaygo County$949
- Housing units permitted, Newaygo County152
- Of those, single family, Newaygo County146
- County product, 2024, Newaygo County$2,076,671,000
- County product change over the prior year, Newaygo County3.8 percent
- Average income of an arriving household, Newaygo County$55,013
Every figure in this section is published for Newaygo County as a whole and is not a measurement of White Cloud. 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
White Cloud questions, answered from the record.
How many people live in White Cloud, Michigan?
1,280, in 430 households. White Cloud city covers 1.93 square miles of land, which is 662 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is White Cloud in?
Newaygo 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 White Cloud?
$45,192. The median owner-occupied home is valued at $165,900. Median gross rent is $831 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to White Cloud businesses?
13 7(a) approvals totalling $5.1 m, across 5 lenders, median approval $45,000. These count approvals to borrowers whose address is in White Cloud, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to White Cloud borrowers get paid back?
No rate is published for White Cloud. only 4 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 White Cloud in the National Flood Insurance Program?
Yes. White Cloud appears in the FEMA Community Status Book as community 260470, 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 White Cloud figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Newaygo 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 White Cloud.
Is zoning published for White Cloud?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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