HomeMichiganWayne CountyFlat Rock
Flat Rock, Michigan: commercial real estate data.
Flat Rock is a Census city of 10,340 people across 6.57 square miles of land, in Wayne County. Median household income is $81,585, 83.2 percent of occupied homes are owned, and the SBA record carries 6 7(a) approvals to borrowers here worth $5.9 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Flat Rock
What Flat Rock is
- Census place typecity
- Land area6.57 sq mi
- Water area0.14 sq mi
- Population per square mile of land1,574
- County holding the largest share of its areaWayne 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.
Flat Rock
How many people live in Flat Rock
- Population10,340
- Median age39.3
- Population under 182,557
- Share under 1824.7 percent
- Population 65 and over1,583
- Share 65 and over15.3 percent
- Households3,924
- Family households2,671
- Share of households that are families68.1 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Flat Rock
Income and work in Flat Rock
- Median household income$81,585
- Per capita income$41,239
- Civilian labor force5,355
- Employed4,962
- Unemployed393 plus or minus 148
- Unemployment rate7.3 percent plus or minus 2.7
- Adults 25 and over6,904
- Adults 25 and over with a high school diploma or higher92.0 percent
- Adults 25 and over with a bachelor degree or higher29.5 percent
- Adults 25 and over with a graduate degree11.2 percent plus or minus 3.3
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Flat Rock
Housing in Flat Rock
- Housing units4,169
- Occupied units3,924
- Vacant units245 plus or minus 135
- Vacancy rate5.9 percent plus or minus 3.2
- Owner occupied3,263
- Renter occupied661 plus or minus 192
- Ownership rate83.2 percent
- Median owner-occupied home value$228,800
- Median gross rent, monthly$919
- Annual rent as a share of median income13.5 percent
- Single family units2,748
- Share single family65.9 percent
- Units in buildings of two or more617 plus or minus 212
- Share in buildings of two or more14.8 percent plus or minus 5.0
- Mobile homes804 plus or minus 189
- Median year structure built1985
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Flat Rock
How Flat Rock gets to work
- Workers 16 and over who commute4,529
- Commuting under 15 minutes762 plus or minus 216
- Share commuting under 15 minutes16.8 percent plus or minus 4.5
- Commuting 30 minutes or more2,136 plus or minus 448
- Share commuting 30 minutes or more47.2 percent
- Drove alone78.6 percent
- Carpooled10.7 percent plus or minus 3.7
- Public transport0.0 percent
- Walked1.6 percent plus or minus 1.2
- Worked from home9.1 percent plus or minus 2.6
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Flat Rock
SBA loans in Flat Rock (7(a))
- Approvals6
- Gross approval$5,870,600
- Average approval$978,433
- Median approval$211,500
- Largest approval$4,875,000
- Jobs supported51
- Jobs per approval8.5
- Loans with a final outcome1
- Paid in full1
- Charged off0
- Median term165 months
- Share on real estate terms of 20 years or more33.3 percent
- Share to franchises0.0 percent
- Distinct lenders6
- Distinct industries by NAICS5
Counted by borrower city: approvals to borrowers whose address is in Flat Rock, in any county, FY2020 to FY2026. Only 1 loan has 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.
Flat Rock
SBA loans in Flat Rock (504)
- Approvals3
- Gross approval$2,000,000
- Average approval$666,667
- Median approval$585,000
- Largest approval$1,155,000
- Jobs supported14
- Loans with a final outcome0
- Charged off0
- Median term240 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Flat Rock, in any county, FY2010 to FY2026. Only 0 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.
Flat Rock
Flood risk in Flat Rock
- NFIP communityCity of Flat Rock
- NFIP community number260224
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date10/21/21
The City of Flat Rock participates in the National Flood Insurance Program as community 260224 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.
Wayne County, not Flat Rock
Wayne County context, not Flat Rock figures
- Establishments in Wayne County33,699
- Covered employment, Wayne County725,504
- Average annual pay, Wayne County$76,411
- Housing units permitted, Wayne County2,629
Every figure in this section is published for Wayne County as a whole and is not a measurement of Flat Rock.
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
Flat Rock questions, answered from the record.
How many people live in Flat Rock, Michigan?
10,340, in 3,924 households. Flat Rock city covers 6.57 square miles of land, which is 1,574 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Flat Rock in?
Wayne 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 Flat Rock?
$81,585. The median owner-occupied home is valued at $228,800. Median gross rent is $919 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Flat Rock businesses?
6 7(a) approvals totaling $5.9 m since FY2020, across 6 lenders, median approval $211,500, plus 3 504 approvals worth $2.0 m since FY2010. These count approvals to borrowers whose address is in Flat Rock, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Flat Rock borrowers get paid back?
No rate is published for Flat Rock. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Flat Rock in the National Flood Insurance Program?
Yes. Flat Rock appears in the FEMA Community Status Book as Flat Rock, city of, community 260224, 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 Flat Rock figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Wayne 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 Flat Rock.
Is zoning published for Flat Rock?
No. Nothing on this page presents parcel level zoning.