Michigan · GEOID 26025

Calhoun County

2024 ACS 5-year estimates · population 133,778 · 59,602 housing units

Median household income

$63,177

State $74,099

Median home value

$162,800

State $237,564

Median gross rent

$968

State $1,136

Homeownership rate

72.7%

State 73.2%

Renter cost-burden rate

48.5%

≥30% of income

Owner cost-burden rate

18.9%

≥30% of income

Homeowner vacancy

1.6%

Of owner-occupied + for-sale units

Rental vacancy

9.7%

Of renter-occupied + for-rent units

Overall vacancy

10.5%

All housing units

Price-to-income ratio

2.58

Affordable: 2.0–3.0

Section 1

Community Profile

Population, demographics, household composition, and income.

Community Data Summary

	Calhoun County	Michigan
Population	133,778	10,077,761
Population density (per sq. mi.)	189.42	—
Median household income	$63,177	$74,099
HUD Area Median Income (4-person, 100%)	$80,700	—
Households	53,333	—
Average household size	2.44 people	—
Owner-occupied	72.7%	73.2%
Renter-occupied	27.3%	26.8%
Race	76.4% White · 9.8% Black	0.0% White · 0.0% Black

Source: ACS 5-year 2024 (Tables DP05, S1101, DP04, S1901) and Census Gazetteer (land area); HUD FY2026 Income Limits.

Racial composition

Calhoun County compared with Michigan.

Source: ACS 5-year 2024, Table DP05.

Educational attainment (population 25+)

22.9% hold a bachelor's degree or higher (state: 32.4%).

Source: ACS 5-year 2024, Table S1501.

Median Household Income by Tenure

Owner-occupied vs. renter-occupied household income, county and state.

Source: ACS 5-year 2024, Table B25119.

Median Household Income by Age of Householder

Median household income by age group of householder.

Source: ACS 5-year 2024, Table B19049.

Median Household Income by Number of Earners

Median household income for families with each earner count.

Source: ACS 5-year 2024, Table S1903.

Household Size

Distribution of households by number of people.

Source: ACS 5-year 2024, Table S2501.

Income by Number of Earners

Earners	Share	Median income	Attainable monthly housing cost	Attainable home
0 earners	18.7%	$56,783	$1,420	$180,346
1 earner	33.5%	$53,160	$1,329	$166,860
2 earners	37.1%	$105,297	$2,632	$360,932
3+ earners	10.6%	$146,576	$3,664	$514,586

Attainable monthly housing cost = 30% of gross income ÷ 12. Attainable home price assumes 30% housing budget, 30-yr mortgage at 7%, 5% down.

Source: ACS 5-year 2024, Table S1903; affordability formula derived.

Households

53,333

Average size: 2.44 people

Households with children

12,845

24.1% of households

Per-capita income

$34,349

Poverty rate: 13.0%

Section 2

Residential Market Analysis

Housing stock characteristics — tenure, type, age, size, vacancy, rents.

Tenure

72.7% owner-occupied vs. state average 73.2%.

Source: ACS 5-year 2024, Table DP04.

Structure type

Single-family share 74.9% · Missing middle (2–19 units) 11.2%.

Source: ACS 5-year 2024, Table B25024.

Housing stock by decade

73.3% built before 1980 · Median structure age 1,961.00 yrs.

Source: ACS 5-year 2024, Table S2504.

Housing size mismatch

Compares the share of housing units by bedroom count against the share of households by size — a common diagnostic of housing supply/demand alignment.

Source: ACS 5-year 2024, Tables B25041 (bedrooms) and S2501 (household size).

Home value distribution

Owner-occupied homes by value bracket. Median: $162,800.

Source: ACS 5-year 2024, Table DP04.

Monthly Housing Costs

Distribution of monthly housing costs across all occupied units.

Source: ACS 5-year 2024, Table B25104.

Number of Bedrooms

Housing units by number of bedrooms.

Source: ACS 5-year 2024, Table B25041.

Median rent by bedroom

Overall median gross rent: $968.

Source: ACS 5-year 2024, Table B25031.

Renters by age

Number of renter householders by age bracket.

Source: ACS 5-year 2024, Table S2502.

Owners by age

Number of owner householders by age bracket.

Source: ACS 5-year 2024, Table S2502.

Vacancy composition

All 6,269 vacant units split into Census's seven categories. Frictional vacancy (units actively on the market) reflects healthy churn. Structural vacancy (seasonal, migrant, other) sits outside the market for year-round residents — high values change how the headline vacancy rate should be read.

Vacant units by type

For sale 10.1% · For rent 25.4% · Seasonal 14.9% · Other 41.9%.

Source: ACS 5-year 2024, Table B25004.

Frictional vs structural

43.2% of vacancy is frictional (for sale + for rent + rented/sold not yet occupied); 56.8% is structural (seasonal + migrant + other).

Source: ACS 5-year 2024, Table B25004.

Seasonal / recreational share of all housing

1.6%

937 units of 59,602 total

Housing units held for seasonal or recreational use.

"Other vacant" share of all housing

4.4%

2,626 units of 59,602 total

Census "Other vacant" — units off the market for reasons other than seasonal, migrant, sale, or rental.

Section 3

Workforce Housing Needs Assessment

Affordability, cost burden, and the housing options for households in the workforce income range.

Workforce range — ACS median household income

80% MHI$50,542

100% MHI$63,177

120% MHI$75,812

County-wide median from ACS 5-year estimates. A household at 100% MHI in Calhoun County should be able to afford a home up to roughly — (30% housing budget, default mortgage terms).

Workforce range — HUD Area Median Income

	1-person	2-person	4-person
80% AMI	$46,850	$53,550	$66,900
100% AMI	$56,490	$64,560	$80,700
120% AMI	$67,800	$77,450	$96,850

HUD FMR Area: Battle Creek, MI MSA. 80% AMI uses HUD's published Section 8 Low Income Limits; 100% is HUD MFI; 120% is the standard workforce convention.

Affordability calculator

Follows the standard 30%-of-gross-income affordability rule.

Income basis Household income Interest rate % Down payment % Taxes & insurance / yr

Affordable monthly—

Affordable home price—

Renter cost burden

48.5% of renter households spend ≥30% of income on rent (23.1% spend ≥50%).

Source: ACS 5-year 2024, Table B25070.

Owner cost burden by income

18.9% of homeowners spend ≥30% of income on housing. Bars show counts of cost-burdened owners by income bracket.

Source: ACS 5-year 2024, Table B25106.

Household income — owners vs renters

Distribution of household income for owner-occupied (navy) and renter-occupied (gold) households.

Source: ACS 5-year 2024, Table B25118.

Section 4

Industry & Workforce Wages

Employment, average wages, and the housing each industry's typical earner can afford in Calhoun County.

Covered employment

47,609

Across 19 sectors

Establishments

2,545

QCEW 2024

Avg annual pay (workforce)

$64,373

Employment-weighted across sectors

Top 10 sectors by employment

Annual average employment by NAICS 2-digit sector. Counties with fewer than five covered establishments in a sector may show suppressed totals.

Source: BLS QCEW Annual Averages, 2024.

Attainable housing by industry

Industry	Employment	Avg annual wage	Affordable home price	vs. median value	Affordable monthly rent
NAICS 62 Health care and social assistance NAICS 62	10,449	$65,142	$211,461	+$48,661	$1,629
NAICS 31-33 Manufacturing NAICS 31-33	10,071	$75,062	$248,387	+$85,587	$1,877
NAICS 44-45 Retail trade NAICS 44-45	5,710	$37,204	$107,466	−$55,334	$930
NAICS 72 Accommodation and food services NAICS 72	4,275	$23,499	$56,452	−$106,348	$587
NAICS 92 Public administration NAICS 92	2,987	$79,684	$265,591	+$102,791	$1,992
NAICS 56 Administrative and support and waste management and remediation services NAICS 56	2,414	$50,636	$157,465	−$5,335	$1,266
NAICS 54 Professional, scientific, and technical services NAICS 54	2,246	$136,031	$475,334	+$312,534	$3,401
NAICS 48-49 Transportation and warehousing NAICS 48-49	2,156	$69,817	$228,863	+$66,063	$1,745
NAICS 23 Construction NAICS 23	1,831	$76,300	$252,995	+$90,195	$1,908
NAICS 81 Other services (except public administration) NAICS 81	1,363	$60,803	$195,310	+$32,510	$1,520
NAICS 52 Finance and insurance NAICS 52	943	$67,863	$221,590	+$58,790	$1,697
NAICS 61 Educational services NAICS 61	836	$40,242	$118,775	−$44,025	$1,006
NAICS 11 Agriculture, forestry, fishing and hunting NAICS 11	754	$43,895	$132,373	−$30,427	$1,097
NAICS 71 Arts, entertainment, and recreation NAICS 71	540	$23,233	$55,462	−$107,338	$581
NAICS 55 Management of companies and enterprises NAICS 55	429	$244,054	$877,432	+$714,632	$6,101
NAICS 53 Real estate and rental and leasing NAICS 53	238	$45,415	$138,031	−$24,769	$1,135
NAICS 51 Information NAICS 51	214	$45,817	$139,527	−$23,273	$1,145
NAICS 99 Unclassified NAICS 99	100	$44,491	$134,591	−$28,209	$1,112
NAICS 21 Mining, quarrying, and oil and gas extraction NAICS 21	53	$62,378	$201,173	+$38,373	$1,559

Subsector	Employment	Avg annual wage	Affordable home price	vs. median value	Affordable monthly rent
NAICS 336 Transportation equipment manufacturing NAICS 336	5,134	$72,834	$240,093	+$77,293	$1,821
NAICS 622 Hospitals NAICS 622	4,376	$82,169	$274,841	+$112,041	$2,054
NAICS 722 Food services and drinking places NAICS 722	3,670	$22,443	$52,521	−$110,279	$561
NAICS 623 Nursing and residential care facilities NAICS 623	2,734	$48,174	$148,300	−$14,500	$1,204
NAICS 561 Administrative and support services NAICS 561	2,250	$48,375	$149,049	−$13,751	$1,209
NAICS 541 Professional, scientific, and technical services NAICS 541	2,246	$136,031	$475,334	+$312,534	$3,401
NAICS 621 Ambulatory health care services NAICS 621	2,038	$64,353	$208,524	+$45,724	$1,609
NAICS 921 Executive, legislative, and other general government support NAICS 921	1,690	$61,701	$198,653	+$35,853	$1,543
NAICS 332 Fabricated metal product manufacturing NAICS 332	1,545	$71,657	$235,712	+$72,912	$1,791
NAICS 455 General merchandise retailers NAICS 455	1,515	$28,696	$75,797	−$87,003	$717
NAICS 238 Specialty trade contractors NAICS 238	1,340	$77,949	$259,133	+$96,333	$1,949
NAICS 928 National security and international affairs NAICS 928	1,223	$103,771	$355,251	+$192,451	$2,594
NAICS 311 Food manufacturing NAICS 311	1,102	$108,713	$373,647	+$210,847	$2,718
NAICS 624 Social assistance NAICS 624	1,026	$36,498	$104,838	−$57,962	$912
NAICS 457 Gasoline stations and fuel dealers NAICS 457	919	$34,816	$98,577	−$64,223	$870
NAICS 441 Motor vehicle and parts dealers NAICS 441	916	$61,901	$199,397	+$36,597	$1,548
NAICS 611 Educational services NAICS 611	836	$40,242	$118,775	−$44,025	$1,006
NAICS 445 Food and beverage retailers NAICS 445	694	$25,789	$64,976	−$97,824	$645
NAICS 484 Truck transportation NAICS 484	656	$58,845	$188,022	+$25,222	$1,471
NAICS 522 Credit intermediation and related activities NAICS 522	626	$63,655	$205,926	+$43,126	$1,591
NAICS 721 Accommodation NAICS 721	605	$29,906	$80,301	−$82,499	$748
NAICS 111 Crop production NAICS 111	590	$44,147	$133,311	−$29,489	$1,104
NAICS 444 Building material and garden equipment and supplies dealers NAICS 444	576	$41,337	$122,851	−$39,949	$1,033
NAICS 813 Religious, grantmaking, civic, professional, and similar organizations NAICS 813	574	$81,690	$273,058	+$110,258	$2,042
NAICS 423 Merchant wholesalers, durable goods NAICS 423	501	$70,449	$231,216	+$68,416	$1,761
NAICS 459 Sporting goods, hobby, musical instrument, book, and miscellaneous retailers NAICS 459	494	$24,336	$59,567	−$103,233	$608
NAICS 323 Printing and related support activities NAICS 323	478	$63,995	$207,192	+$44,392	$1,600
NAICS 333 Machinery manufacturing NAICS 333	464	$70,963	$233,129	+$70,329	$1,774
NAICS 551 Management of companies and enterprises NAICS 551	429	$244,054	$877,432	+$714,632	$6,101
NAICS 236 Construction of buildings NAICS 236	408	$60,922	$195,753	+$32,953	$1,523
NAICS 812 Personal and laundry services NAICS 812	402	$38,433	$112,041	−$50,759	$961
NAICS 424 Merchant wholesalers, nondurable goods NAICS 424	385	$115,625	$399,376	+$236,576	$2,891
NAICS 811 Repair and maintenance NAICS 811	354	$56,058	$177,647	+$14,847	$1,401
NAICS 327 Nonmetallic mineral product manufacturing NAICS 327	312	$82,301	$275,333	+$112,533	$2,058
NAICS 456 Health and personal care retailers NAICS 456	303	$41,659	$124,049	−$38,751	$1,041
NAICS 713 Amusement, gambling, and recreation industries NAICS 713	291	$20,526	$45,385	−$117,415	$513
NAICS 524 Insurance carriers and related activities NAICS 524	240	$53,445	$167,921	+$5,121	$1,336
NAICS 491 Postal service NAICS 491	216	$66,471	$216,408	+$53,608	$1,662
NAICS 331 Primary metal manufacturing NAICS 331	215	$53,974	$169,890	+$7,090	$1,349
NAICS 493 Warehousing and storage NAICS 493	214	$88,219	$297,362	+$134,562	$2,205
NAICS 339 Miscellaneous manufacturing NAICS 339	186	$56,903	$180,793	+$17,993	$1,423
NAICS 562 Waste management and remediation services NAICS 562	164	$81,654	$272,924	+$110,124	$2,041
NAICS 531 Real estate NAICS 531	160	$45,729	$139,199	−$23,601	$1,143
NAICS 449 Furniture, home furnishings, electronics, and appliance retailers NAICS 449	157	$64,852	$210,382	+$47,582	$1,621
NAICS 458 Clothing, clothing accessories, shoe, and jewelry retailers NAICS 458	136	$27,432	$71,092	−$91,708	$686
NAICS 711 Performing arts, spectator sports, and related industries NAICS 711	129	$25,068	$62,292	−$100,508	$627
NAICS 325 Chemical manufacturing NAICS 325	126	$68,186	$222,792	+$59,992	$1,705
NAICS 112 Animal production and aquaculture NAICS 112	123	$44,996	$136,471	−$26,329	$1,125
NAICS 712 Museums, historical sites, and similar institutions NAICS 712	120	$27,826	$72,558	−$90,242	$696
NAICS 326 Plastics and rubber products manufacturing NAICS 326	118	$58,218	$185,688	+$22,888	$1,455
NAICS 999 Unclassified NAICS 999	100	$44,491	$134,591	−$28,209	$1,112
NAICS 237 Heavy and civil engineering construction NAICS 237	82	$126,797	$440,962	+$278,162	$3,170
NAICS 532 Rental and leasing services NAICS 532	78	$44,772	$135,637	−$27,163	$1,119
NAICS 523 Securities, commodity contracts, and other financial investments and related activities NAICS 523	77	$147,007	$516,190	+$353,390	$3,675
NAICS 516 Broadcasting and content providers NAICS 516	54	$56,610	$179,702	+$16,902	$1,415
NAICS 485 Transit and ground passenger transportation NAICS 485	44	$27,098	$69,848	−$92,952	$677
NAICS 814 Private households NAICS 814	34	$20,280	$44,470	−$118,330	$507
NAICS 519 Web search portals, libraries, archives, and other information services NAICS 519	33	$37,986	$110,377	−$52,423	$950
NAICS 512 Motion picture and sound recording industries NAICS 512	32	$11,538	$11,929	−$150,871	$288
NAICS 926 Administration of economic programs NAICS 926	28	$128,205	$446,203	+$283,403	$3,205
NAICS 321 Wood product manufacturing NAICS 321	28	$39,333	$115,391	−$47,409	$983
NAICS 517 Telecommunications NAICS 517	23	$70,202	$230,296	+$67,496	$1,755
NAICS 923 Administration of human resource programs NAICS 923	18	$84,177	$282,316	+$119,516	$2,104
NAICS 922 Justice, public order, and safety activities NAICS 922	2	$112,802	$388,868	+$226,068	$2,820
NAICS 924 Administration of environmental quality programs NAICS 924	2	$67,970	$221,988	+$59,188	$1,699

Affordable home price assumes the industry's average earner uses 30% of gross income for housing, with a 30-year mortgage at 7%, 5% down, $2,500/yr taxes & insurance, and 0.5% PMI. Adjust the Section 3 calculator for other terms. Affordable rent is 30% of monthly gross pay.

Source: BLS QCEW Annual Averages, 2024; ACS 5-year 2024 (median home value).

Section 5

Wages by Occupation

Selected essential-worker occupations for the MSA or nonmetropolitan area containing this county — jobs, the 10-year change, wages, and the housing each typical earner can afford. Both jobs counts and wages are reported at the MSA / nonmetropolitan-area level (BLS does not publish OEWS at the county level), so every county inside the same area shows the same numbers. For county-accurate employment totals, see Section 4 above.

Occupational wages and affordable housing

Occupation	2025 jobs	2015–2025 change	% change	Hourly wage	Annual wage	Affordable home price	Affordable monthly rent
Fast Food and Counter Workers SOC 35-3023 · prior-year code differs	1,500	(330)	(18%)	$14.49	$30,150	$81,209	$754
Childcare Workers SOC 39-9011	160	(200)	(56%)	$14.96	$31,120	$84,820	$778
Cashiers SOC 41-2011	1,390	170	14%	$15.01	$31,210	$85,155	$780
Retail Salespersons SOC 41-2031	1,130	(970)	(46%)	$17.44	$36,270	$103,990	$907
Janitors and Cleaners SOC 37-2011	1,060	390	58%	$17.47	$36,340	$104,250	$909
Tellers SOC 43-3071	200	10	5%	$18.72	$38,940	$113,928	$974
Waiters and Waitresses SOC 35-3031	750	(150)	(17%)	$20.68	$43,020	$129,116	$1,076
Home Health and Personal Care Aides SOC 31-1131 · prior-year code differs	690	(1,100)	(61%)	$21.35	$44,400	$134,252	$1,110
Office Clerks, General SOC 43-9061	990	(170)	(15%)	$22.68	$47,170	$144,563	$1,179
Maintenance and Repair Workers, General SOC 49-9071	530	100	23%	$24.64	$51,240	$159,713	$1,281
Construction Laborers SOC 47-2061	220	10	5%	$25.80	$53,660	$168,721	$1,342
Heavy and Tractor-Trailer Truck Drivers SOC 53-3032	720	(10)	(1%)	$26.59	$55,320	$174,900	$1,383
Firefighters SOC 33-2011	120	(120)	(50%)	$27.76	$57,740	$183,908	$1,444
Carpenters SOC 47-2031	130	60	86%	$29.90	$62,190	$200,473	$1,555
Elementary School Teachers, Except Special Education SOC 25-2021	500	10	2%	—	$66,250	$215,585	$1,656
Electricians SOC 47-2111	230	80	53%	$33.26	$69,190	$226,529	$1,730
Police and Sheriff's Patrol Officers SOC 33-3051	250	(250)	(50%)	$33.48	$69,630	$228,167	$1,741
Plumbers, Pipefitters, and Steamfitters SOC 47-2152	140	0	0%	$35.32	$73,470	$242,461	$1,837
Registered Nurses SOC 29-1141	1,480	(30)	(2%)	$46.74	$97,210	$330,829	$2,430

Affordable home price uses the same Section 3 formula (30% housing budget, 30-year mortgage at 7%, 5% down, $2,500/yr T&I, 0.5% PMI). Affordable rent is 30% of monthly wages. Negative job-change values are shown in red parentheses. A "prior-year code differs" note flags occupations whose SOC code changed between the two vintages (2010 SOC → 2018 SOC) — the change estimate is best-effort.

Source: BLS OEWS May 2025 (10-year change vs. May 2015). Jobs counts and wages reflect the MSA or nonmetropolitan area containing this county, not the county alone — OEWS is not published at the county level.

Methodology & sources

All figures derive from the 2024 American Community Survey 5-year estimates. State and national comparisons are population-weighted aggregates of county-level estimates (an approximation; ACS publishes its own state and national medians which can differ slightly).

The affordability calculator uses a 30% housing-budget rule with a 30-year mortgage. Defaults are 7% interest, 5% down, $2,500/year taxes and insurance, and 0.5% PMI — adjustable above.

Variables: 26025 · pulled from Full Housing Data Table.xlsx.