HomeMichiganOceana CountyPentwater village
Pentwater village, Michigan: commercial real estate data.
Pentwater village is a Census village of 872 people across 1.34 square miles of land, in Oceana County. Median household income is $80,750, 84.9 percent of occupied homes are owned, and the SBA record carries 8 7(a) approvals to borrowers here worth $1.6 m.
70 sourced place values · tier FULL · 8 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Pentwater
What Pentwater is
- Census place typevillage
- Land area1.34 sq mi
- Water area0.38 sq mi
- Population per square mile of land652
- 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.
Pentwater
How many people live in Pentwater
- Population872
- Median age64.1
- Population under 1884 plus or minus 36
- Share under 189.6 percent plus or minus 3.8
- Population 65 and over412
- Share 65 and over47.2 percent
- Households430
- Family households307 plus or minus 62
- Share of households that are families71.4 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Pentwater
Income and work in Pentwater
- Median household income$80,750
- Per capita income$60,972 plus or minus $14,208
- Civilian labor force344 plus or minus 85
- Employed325 plus or minus 82
- Unemployed19 plus or minus 16
- Unemployment rate5.5 percent plus or minus 4.4
- Adults 25 and over759
- Adults 25 and over with a high school diploma or higher91.7 percent plus or minus 21.2
- Adults 25 and over with a bachelor degree or higher54.0 percent
- Adults 25 and over with a graduate degree19.9 percent plus or minus 4.6
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Pentwater
Housing in Pentwater
- Housing units1,013
- Occupied units430
- Vacant units583
- Vacancy rate57.6 percent
- Owner occupied365
- Renter occupied65 plus or minus 38
- Ownership rate84.9 percent
- Median owner-occupied home value$344,300
- Median gross rent, monthly$556 plus or minus $172
- Annual rent as a share of median income8.3 percent plus or minus 3.0
- Single family units763
- Share single family75.3 percent
- Units in buildings of two or more187 plus or minus 71
- Share in buildings of two or more18.5 percent plus or minus 6.8
- Mobile homes63 plus or minus 30
- Median year structure built1970
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Pentwater
How Pentwater gets to work
- Workers 16 and over who commute226 plus or minus 66
- Commuting under 15 minutes89 plus or minus 35
- Share commuting under 15 minutes39.4 percent plus or minus 10.6
- Commuting 30 minutes or more56 plus or minus 53
- Share commuting 30 minutes or more24.8 percent plus or minus 22.4
- Drove alone64.5 percent
- Carpooled2.5 percent plus or minus 2.7
- Public transport0.0 percent
- Walked3.4 percent plus or minus 2.7
- Worked from home29.6 percent plus or minus 8.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Pentwater
SBA loans in Pentwater (7(a))
- Approvals8
- Gross approval$1,560,700
- Average approval$195,088
- Median approval$50,000
- Ninetieth percentile approval$1,240,000
- Largest approval$1,240,000
- Jobs supported21
- Jobs per approval2.6
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more12.5 percent
- Share to franchises0.0 percent
- Distinct lenders3
- Distinct industries by NAICS7
A charge-off rate is not published here. only 0 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.
Pentwater
Flood risk in Pentwater
- Listed NFIP communities2
- Of those, participating2
- NFIP community number260183
- Currently effective map date08/24/21
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 Pentwater
Oceana County context, not Pentwater 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 Pentwater 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 Pentwater. 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
Pentwater questions, answered from the record.
How many people live in Pentwater, Michigan?
872, in 430 households. Pentwater village covers 1.34 square miles of land, which is 652 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Pentwater 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 Pentwater?
$80,750. The median owner-occupied home is valued at $344,300. Median gross rent is $556 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Pentwater businesses?
8 7(a) approvals totalling $1.6 m, across 3 lenders, median approval $50,000. These count approvals to borrowers whose address is in Pentwater, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Pentwater borrowers get paid back?
No rate is published for Pentwater. only 0 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 Pentwater in the National Flood Insurance Program?
Yes. Pentwater appears in the FEMA Community Status Book as community 260183, 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 Pentwater 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 Pentwater.
Is zoning published for Pentwater?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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