HomeMichiganOceana CountyHart city
Hart city, Michigan: commercial real estate data.
Hart city is a Census city of 1,924 people across 1.79 square miles of land, in Oceana County. Median household income is $50,956, 59.6 percent of occupied homes are owned, and the SBA record carries 18 7(a) approvals to borrowers here worth $5.5 m.
80 sourced place values · tier FULL · 9 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Hart
What Hart is
- Census place typecity
- Land area1.79 sq mi
- Water area0.16 sq mi
- Population per square mile of land1,076
- County holding the largest share of its areaOceana 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.
Hart
How many people live in Hart
- Population1,924
- Median age40.8
- Population under 18412 plus or minus 92
- Share under 1821.4 percent
- Population 65 and over383 plus or minus 84
- Share 65 and over19.9 percent
- Households743
- Family households392
- Share of households that are families52.8 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Hart
Income and work in Hart
- Median household income$50,956 plus or minus $11,774
- Per capita income$31,767 plus or minus $7,836
- Civilian labor force887
- Employed833
- Unemployed54 plus or minus 37
- Unemployment rate6.1 percent plus or minus 4.0
- Adults 25 and over1,437
- Adults 25 and over with a high school diploma or higher89.4 percent
- Adults 25 and over with a bachelor degree or higher19.4 percent plus or minus 6.2
- Adults 25 and over with a graduate degree4.9 percent plus or minus 2.9
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Hart
Housing in Hart
- Housing units786
- Occupied units743
- Vacant units43 plus or minus 33
- Vacancy rate5.5 percent plus or minus 4.1
- Owner occupied443
- Renter occupied300 plus or minus 78
- Ownership rate59.6 percent
- Median owner-occupied home value$140,900
- Median gross rent, monthly$757
- Annual rent as a share of median income17.8 percent plus or minus 4.7
- Single family units612
- Share single family77.9 percent
- Units in buildings of two or more155 plus or minus 52
- Share in buildings of two or more19.7 percent plus or minus 6.2
- Mobile homes19 plus or minus 30
- Median year structure built1946
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Hart
How Hart gets to work
- Workers 16 and over who commute790
- Commuting under 15 minutes507 plus or minus 107
- Share commuting under 15 minutes64.2 percent
- Commuting 30 minutes or more128 plus or minus 61
- Share commuting 30 minutes or more16.2 percent plus or minus 7.1
- Drove alone74.8 percent
- Carpooled17.6 percent plus or minus 6.3
- Public transport0.0 percent
- Walked2.8 percent plus or minus 2.9
- Worked from home3.9 percent plus or minus 5.4
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Hart
SBA loans in Hart (7(a))
- Approvals18
- Gross approval$5,524,600
- Average approval$306,922
- Median approval$100,000
- Ninetieth percentile approval$1,083,000
- Largest approval$1,462,500
- Jobs supported143
- Jobs per approval7.9
- Loans with a final outcome2
- Paid in full2
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more11.1 percent
- Share to franchises5.6 percent
- Distinct lenders5
- Distinct industries by NAICS14
A charge-off rate is not published here. only 2 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.
Hart
SBA loans in Hart (504)
- Approvals1
- Gross approval$1,491,000
- Average approval$1,491,000
- Median approval$1,491,000
- Largest approval$1,491,000
- Jobs supported0
- Loans with a final outcome0
- Charged off0
- Median term300 months
- Distinct CDCs1
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Hart
Flood risk in Hart
- Listed NFIP communities2
- Of those, participating1
- NFIP community number260484
- Currently effective map date08/24/21(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.
Oceana County, not Hart
Oceana County context, not Hart figures
These are Oceana County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Hart measurements.
- Establishments in Oceana County468
- Employment at those establishments, Oceana County4,588
- Covered employment, Oceana County6,470
- Average annual pay, Oceana County$45,679
- Average weekly wage, Oceana County$878
- Housing units permitted, Oceana County147
- Of those, single family, Oceana County147
- County product, 2024, Oceana County$832,889,000
- County product change over the prior year, Oceana County-2.2 percent
- Average income of an arriving household, Oceana County$75,921
Every figure in this section is published for Oceana County as a whole and is not a measurement of Hart. 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
Hart questions, answered from the record.
How many people live in Hart, Michigan?
1,924, in 743 households. Hart city covers 1.79 square miles of land, which is 1,076 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Hart in?
Oceana 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 Hart?
$50,956. The median owner-occupied home is valued at $140,900. Median gross rent is $757 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Hart businesses?
18 7(a) approvals totalling $5.5 m, across 5 lenders, median approval $100,000, plus 1 504 approvals worth $1.5 m. These count approvals to borrowers whose address is in Hart, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Hart borrowers get paid back?
No rate is published for Hart. only 2 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 Hart in the National Flood Insurance Program?
Yes. Hart appears in the FEMA Community Status Book as community 260484, 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 Hart figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Oceana 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 Hart.
Is zoning published for Hart?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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