HomeMichiganOtsego CountyGaylord city
Gaylord city, Michigan: commercial real estate data.
Gaylord city is a Census city of 4,357 people across 5.20 square miles of land, in Otsego County. Median household income is $44,701, 30.9 percent of occupied homes are owned, and the SBA record carries 49 7(a) approvals to borrowers here worth $20.4 m.
77 sourced place values · tier FULL · 8 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Gaylord
What Gaylord is
- Census place typecity
- Land area5.2 sq mi
- Water area0.02 sq mi
- Population per square mile of land837
- County holding the largest share of its areaOtsego 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.
Gaylord
How many people live in Gaylord
- Population4,357
- Median age40.0
- Population under 18795 plus or minus 228
- Share under 1818.2 percent plus or minus 5.2
- Population 65 and over907 plus or minus 238
- Share 65 and over20.8 percent plus or minus 5.5
- Households2,306
- Family households1,042
- Share of households that are families45.2 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gaylord
Income and work in Gaylord
- Median household income$44,701 plus or minus $10,702
- Per capita income$30,636
- Civilian labor force2,459
- Employed2,382
- Unemployed77 plus or minus 62
- Unemployment rate3.1 percent plus or minus 2.5
- Adults 25 and over2,909
- Adults 25 and over with a high school diploma or higher91.2 percent
- Adults 25 and over with a bachelor degree or higher24.7 percent plus or minus 7.4
- Adults 25 and over with a graduate degree6.8 percent plus or minus 3.5
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gaylord
Housing in Gaylord
- Housing units2,401
- Occupied units2,306
- Vacant units95 plus or minus 123
- Vacancy rate4.0 percent plus or minus 5.1
- Owner occupied712 plus or minus 155
- Renter occupied1,594
- Ownership rate30.9 percent plus or minus 6.2
- Median owner-occupied home value$192,800 plus or minus $53,659
- Median gross rent, monthly$977
- Annual rent as a share of median income26.2 percent plus or minus 6.9
- Single family units1,000 plus or minus 213
- Share single family41.6 percent
- Units in buildings of two or more1,306 plus or minus 329
- Share in buildings of two or more54.4 percent plus or minus 13.0
- Mobile homes95 plus or minus 80
- Median year structure built1983
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gaylord
How Gaylord gets to work
- Workers 16 and over who commute2,044
- Commuting under 15 minutes1,246 plus or minus 337
- Share commuting under 15 minutes61.0 percent plus or minus 14.0
- Commuting 30 minutes or more509 plus or minus 214
- Share commuting 30 minutes or more24.9 percent plus or minus 9.9
- Drove alone67.9 percent
- Carpooled11.3 percent plus or minus 6.8
- Public transport1.8 percent plus or minus 2.6
- Walked2.2 percent plus or minus 2.7
- Worked from home13.0 percent plus or minus 8.3
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gaylord
SBA loans in Gaylord (7(a))
- Approvals49
- Gross approval$20,437,600
- Average approval$417,094
- Median approval$100,000
- Ninetieth percentile approval$1,513,000
- Largest approval$4,900,000
- Jobs supported460
- Jobs per approval9.4
- Loans with a final outcome17
- Paid in full17
- Charged off0
- Charge-off rate over resolved loans0.0 percent
- Median term120 months
- Share on real estate terms of 20 years or more10.2 percent
- Share to franchises12.2 percent
- Distinct lenders13
- Distinct industries by NAICS25
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Gaylord
SBA loans in Gaylord (504)
- Approvals5
- Gross approval$1,288,000
- Average approval$257,600
- Median approval$253,000
- Largest approval$444,000
- Jobs supported28
- Loans with a final outcome1
- Charged off0
- Median term240 months
- Distinct CDCs2
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Otsego County, not Gaylord
Otsego County context, not Gaylord figures
These are Otsego County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Gaylord measurements.
- Establishments in Otsego County846
- Employment at those establishments, Otsego County9,372
- Covered employment, Otsego County10,703
- Average annual pay, Otsego County$53,154
- Average weekly wage, Otsego County$1,022
- Housing units permitted, Otsego County24
- Of those, single family, Otsego County24
- County product, 2024, Otsego County$1,497,909,000
- County product change over the prior year, Otsego County1.0 percent
- Average income of an arriving household, Otsego County$66,020
Every figure in this section is published for Otsego County as a whole and is not a measurement of Gaylord. 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.
- This place is not listed as a community in the FEMA Community Status Book, so no NFIP participation or CRS class is shown.
- 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
Gaylord questions, answered from the record.
How many people live in Gaylord, Michigan?
4,357, in 2,306 households. Gaylord city covers 5.20 square miles of land, which is 837 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Gaylord in?
Otsego 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 Gaylord?
$44,701. The median owner-occupied home is valued at $192,800. Median gross rent is $977 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Gaylord businesses?
49 7(a) approvals totalling $20.4 m, across 13 lenders, median approval $100,000, plus 5 504 approvals worth $1.3 m. These count approvals to borrowers whose address is in Gaylord, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Gaylord borrowers get paid back?
Of the 17 loans that have reached a final outcome, 17 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.
Are the county figures on this page Gaylord figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Otsego 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 Gaylord.
Is zoning published for Gaylord?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.