HomeMichiganOakland CountyPontiac city
Pontiac city, Michigan: commercial real estate data.
Pontiac city 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.
81 sourced place values · tier FULL · 9 sections
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 7(a) lending to Pontiac borrowers
- Approvals57
- Gross approval$31,429,500
- Average approval$551,395
- Median approval$240,300
- Ninetieth percentile approval$1,856,000
- Largest approval$5,000,000
- Jobs supported503
- Jobs per approval8.8
- Loans with a final outcome10
- Paid in full10
- Charged off0
- Charge-off rate over resolved loans0.0 percent
- 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
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Pontiac
SBA 504 lending to Pontiac borrowers
- Approvals20
- Gross approval$15,283,000
- Average approval$764,150
- Median approval$510,000
- Largest approval$3,052,000
- Jobs supported235
- Loans with a final outcome8
- Charged off0
- Median term240 months
- Distinct CDCs3
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Pontiac
Flood programme status in Pontiac
- Listed NFIP communities1
- Of those, participating1
- NFIP community number260177
- Currently effective map date09/29/06
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.
Oakland County, not Pontiac
Oakland County context, not Pontiac figures
These are Oakland County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Pontiac measurements.
- Establishments in Oakland County39,792
- Employment at those establishments, Oakland County733,671
- Covered employment, Oakland County723,862
- Average annual pay, Oakland County$77,917
- Average weekly wage, Oakland County$1,498
- Housing units permitted, Oakland County2,886
- Of those, single family, Oakland County1,870
- County product, 2024, Oakland County$143,144,361,000
- County product change over the prior year, Oakland County3.7 percent
- Average income of an arriving household, Oakland County$85,214
Every figure in this section is published for Oakland County as a whole and is not a measurement of Pontiac. 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
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 totalling $31.4 m, across 22 lenders, median approval $240,300, plus 20 504 approvals worth $15.3 m. 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?
Of the 10 loans that have reached a final outcome, 10 were paid in full and 0 charged off, a charge off rate of 0.0 percent. Loans still running are excluded because they have not yet succeeded or failed.
Is Pontiac in the National Flood Insurance Program?
Yes. Pontiac appears in the FEMA Community Status Book as 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 labelled 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?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.