HomeMichiganNewaygo CountyWhite Cloud
White Cloud, Michigan: commercial real estate data.
White Cloud 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 since FY2020.
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
- 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
Counted by borrower city: approvals to borrowers whose address is in White Cloud, 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.
White Cloud
Flood risk in White Cloud
- NFIP communityCity of White Cloud
- NFIP community number260470
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date02/18/15(M)
The City of White Cloud participates in the National Flood Insurance Program as community 260470 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.
Newaygo County, not White Cloud
Newaygo County context, not White Cloud figures
- Establishments in Newaygo County829
- Covered employment, Newaygo County11,901
- Average annual pay, Newaygo County$49,371
- Housing units permitted, Newaygo County152
Every figure in this section is published for Newaygo County as a whole and is not a measurement of White Cloud.
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
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 totaling $5.1 m since FY2020, 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 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 White Cloud in the National Flood Insurance Program?
Yes. White Cloud appears in the FEMA Community Status Book as White Cloud, city of, 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 labeled 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?
No. Nothing on this page presents parcel level zoning.
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