HomeMichiganOakland CountyPontiac
Pontiac, Michigan: commercial real estate data.
Pontiac is a Census city of 62,104 people across 19.89 square miles of land, in Oakland County. Median household income is $44,329, 46.6 percent of occupied homes are owned, and the SBA record carries 57 7(a) approvals to borrowers here worth $31.4 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Pontiac
What Pontiac is
- Census place typecity
- Land area19.89 sq mi
- Water area0.37 sq mi
- Population per square mile of land3,123
- County holding the largest share of its areaOakland 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.
Pontiac
How many people live in Pontiac
- Population62,104
- Median age36.5
- Population under 1813,774
- Share under 1822.2 percent
- Population 65 and over8,209
- Share 65 and over13.2 percent
- Households25,617
- Family households12,938
- Share of households that are families50.5 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Pontiac
Income and work in Pontiac
- Median household income$44,329
- Per capita income$26,080
- Civilian labor force30,625
- Employed27,534
- Unemployed3,091
- Unemployment rate10.1 percent
- Adults 25 and over42,683
- Adults 25 and over with a high school diploma or higher82.1 percent
- Adults 25 and over with a bachelor degree or higher16.1 percent
- Adults 25 and over with a graduate degree4.8 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Pontiac
Housing in Pontiac
- Housing units28,325
- Occupied units25,617
- Vacant units2,708
- Vacancy rate9.6 percent
- Owner occupied11,940
- Renter occupied13,677
- Ownership rate46.6 percent
- Median owner-occupied home value$121,700
- Median gross rent, monthly$1,063
- Annual rent as a share of median income28.8 percent
- Single family units18,810
- Share single family66.4 percent
- Units in buildings of two or more8,990
- Share in buildings of two or more31.7 percent
- Mobile homes421 plus or minus 167
- Median year structure built1961
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Pontiac
How Pontiac gets to work
- Workers 16 and over who commute24,716
- Commuting under 15 minutes8,512
- Share commuting under 15 minutes34.4 percent
- Commuting 30 minutes or more6,951
- Share commuting 30 minutes or more28.1 percent
- Drove alone72.3 percent
- Carpooled18.1 percent
- Public transport0.6 percent plus or minus 0.5
- Walked2.0 percent plus or minus 0.7
- Worked from home4.8 percent plus or minus 1.2
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Pontiac
SBA loans in Pontiac (7(a))
- Approvals57
- Gross approval$31,429,500
- Average approval$551,395
- Median approval$240,300
- Ninetieth percentile approval$1,650,200
- Largest approval$5,000,000
- Jobs supported503
- Jobs per approval8.8
- Loans with a final outcome10
- Paid in full10
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more8.8 percent
- Share to franchises1.8 percent
- Distinct lenders22
- Distinct industries by NAICS33
Counted by borrower city: approvals to borrowers whose address is in Pontiac, in any county, FY2020 to FY2026. Only 10 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.
Pontiac
SBA loans in Pontiac (504)
- Approvals20
- Gross approval$15,283,000
- Average approval$764,150
- Median approval$473,000
- Largest approval$3,052,000
- Jobs supported235
- Loans with a final outcome8
- Charged off0
- Median term240 months
- Distinct CDCs3
Counted by borrower city: approvals to borrowers whose address is in Pontiac, in any county, FY2010 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, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Pontiac
Flood risk in Pontiac
- NFIP communityCity of Pontiac
- NFIP community number260177
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date09/29/06
The City of Pontiac participates in the National Flood Insurance Program as community 260177 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.
Oakland County, not Pontiac
Oakland County context, not Pontiac figures
- Establishments in Oakland County39,792
- Covered employment, Oakland County723,862
- Average annual pay, Oakland County$77,917
- Housing units permitted, Oakland County2,886
Every figure in this section is published for Oakland County as a whole and is not a measurement of Pontiac.
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
Pontiac questions, answered from the record.
How many people live in Pontiac, Michigan?
62,104, in 25,617 households. Pontiac city covers 19.89 square miles of land, which is 3,123 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Pontiac in?
Oakland 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 Pontiac?
$44,329. The median owner-occupied home is valued at $121,700. Median gross rent is $1,063 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Pontiac businesses?
57 7(a) approvals totaling $31.4 m since FY2020, across 22 lenders, median approval $240,300, plus 20 504 approvals worth $15.3 m since FY2010. These count approvals to borrowers whose address is in Pontiac, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Pontiac borrowers get paid back?
No rate is published for Pontiac. Only 10 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 Pontiac in the National Flood Insurance Program?
Yes. Pontiac appears in the FEMA Community Status Book as Pontiac, city of, community 260177, 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 Pontiac figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Oakland 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 Pontiac.
Is zoning published for Pontiac?
No. Nothing on this page presents parcel level zoning.