Michigan · GEOID 26057

Gratiot County

2024 ACS 5-year estimates · population 41,385 · 16,081 housing units

Median household income

$63,556

State $74,099

Median home value

$147,500

State $237,564

Median gross rent

$834

State $1,136

Homeownership rate

78.9%

State 73.2%

Renter cost-burden rate

46.9%

≥30% of income

Owner cost-burden rate

16.3%

≥30% of income

Homeowner vacancy

0.8%

Of owner-occupied + for-sale units

Rental vacancy

5.7%

Of renter-occupied + for-rent units

Overall vacancy

8.1%

All housing units

Price-to-income ratio

2.32

Affordable: 2.0–3.0

Section 1

Community Profile

Population, demographics, household composition, and income.

Community Data Summary

	Gratiot County	Michigan
Population	41,385	10,077,761
Population density (per sq. mi.)	72.81	—
Median household income	$63,556	$74,099
HUD Area Median Income (4-person, 100%)	$80,100	—
Households	14,775	—
Average household size	2.40 people	—
Owner-occupied	78.9%	73.2%
Renter-occupied	21.1%	26.8%
Race	86.0% White · 5.8% 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

Gratiot County compared with Michigan.

Source: ACS 5-year 2024, Table DP05.

Educational attainment (population 25+)

18.7% 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	17.4%	$45,503	$1,138	$138,358
1 earner	33.6%	$51,864	$1,297	$162,036
2 earners	37.9%	$102,809	$2,570	$351,670
3+ earners	11.1%	$134,597	$3,365	$469,996

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

14,775

Average size: 2.40 people

Households with children

3,795

25.7% of households

Per-capita income

$30,221

Poverty rate: 13.1%

Section 2

Residential Market Analysis

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

Tenure

78.9% owner-occupied vs. state average 73.2%.

Source: ACS 5-year 2024, Table DP04.

Structure type

Single-family share 79.1% · Missing middle (2–19 units) 8.3%.

Source: ACS 5-year 2024, Table B25024.

Housing stock by decade

68.5% built before 1980 · Median structure age 1,966.00 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: $147,500.

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: $834.

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 1,306 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 7.1% · For rent 14.7% · Seasonal 14.6% · Other 38.7%.

Source: ACS 5-year 2024, Table B25004.

Frictional vs structural

44.8% of vacancy is frictional (for sale + for rent + rented/sold not yet occupied); 55.2% is structural (seasonal + migrant + other).

Source: ACS 5-year 2024, Table B25004.

Seasonal / recreational share of all housing

1.2%

191 units of 16,081 total

Housing units held for seasonal or recreational use.

"Other vacant" share of all housing

3.1%

505 units of 16,081 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$50,845

100% MHI$63,556

120% MHI$76,267

County-wide median from ACS 5-year estimates. A household at 100% MHI in Gratiot 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	$56,070	$64,080	$80,100
120% AMI	$67,300	$76,900	$96,100

HUD FMR Area: Gratiot County, MI. 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

46.9% of renter households spend ≥30% of income on rent (21.0% spend ≥50%).

Source: ACS 5-year 2024, Table B25070.

Owner cost burden by income

16.3% 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 Gratiot County.

Covered employment

6,969

Across 15 sectors

Establishments

583

QCEW 2024

Avg annual pay (workforce)

$51,221

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 31-33 Manufacturing NAICS 31-33	1,751	$66,157	$215,239	+$67,739	$1,654
NAICS 44-45 Retail trade NAICS 44-45	1,295	$43,304	$130,173	−$17,327	$1,083
NAICS 61 Educational services NAICS 61	1,072	$50,555	$157,163	+$9,663	$1,264
NAICS 72 Accommodation and food services NAICS 72	637	$20,271	$44,436	−$103,064	$507
NAICS 42 Wholesale trade NAICS 42	606	$60,944	$195,835	+$48,335	$1,524
NAICS 56 Administrative and support and waste management and remediation services NAICS 56	452	$47,937	$147,418	−$82	$1,198
NAICS 52 Finance and insurance NAICS 52	328	$65,387	$212,373	+$64,873	$1,635
NAICS 23 Construction NAICS 23	288	$55,177	$174,368	+$26,868	$1,379
NAICS 81 Other services (except public administration) NAICS 81	282	$42,665	$127,794	−$19,706	$1,067
NAICS 71 Arts, entertainment, and recreation NAICS 71	73	$15,716	$27,481	−$120,019	$393
NAICS 48-49 Transportation and warehousing NAICS 48-49	59	$57,794	$184,109	+$36,609	$1,445
NAICS 53 Real estate and rental and leasing NAICS 53	53	$48,581	$149,815	+$2,315	$1,215
NAICS 51 Information NAICS 51	46	$37,804	$109,700	−$37,800	$945
NAICS 99 Unclassified NAICS 99	17	$33,143	$92,350	−$55,150	$829
NAICS 92 Public administration NAICS 92	10	$52,937	$166,030	+$18,530	$1,323

Subsector	Employment	Avg annual wage	Affordable home price	vs. median value	Affordable monthly rent
NAICS 611 Educational services NAICS 611	1,072	$50,555	$157,163	+$9,663	$1,264
NAICS 336 Transportation equipment manufacturing NAICS 336	914	$62,390	$201,217	+$53,717	$1,560
NAICS 623 Nursing and residential care facilities NAICS 623	863	$45,859	$139,683	−$7,817	$1,146
NAICS 722 Food services and drinking places NAICS 722	626	$20,214	$44,224	−$103,276	$505
NAICS 455 General merchandise retailers NAICS 455	543	$31,342	$85,646	−$61,854	$784
NAICS 921 Executive, legislative, and other general government support NAICS 921	516	$49,454	$153,065	+$5,565	$1,236
NAICS 621 Ambulatory health care services NAICS 621	514	$51,088	$159,147	+$11,647	$1,277
NAICS 112 Animal production and aquaculture NAICS 112	432	$50,818	$158,142	+$10,642	$1,270
NAICS 561 Administrative and support services NAICS 561	365	$42,216	$126,123	−$21,377	$1,055
NAICS 484 Truck transportation NAICS 484	317	$71,895	$236,598	+$89,098	$1,797
NAICS 441 Motor vehicle and parts dealers NAICS 441	296	$61,933	$199,516	+$52,016	$1,548
NAICS 333 Machinery manufacturing NAICS 333	273	$107,772	$370,144	+$222,644	$2,694
NAICS 522 Credit intermediation and related activities NAICS 522	241	$65,185	$211,621	+$64,121	$1,630
NAICS 811 Repair and maintenance NAICS 811	173	$49,647	$153,783	+$6,283	$1,241
NAICS 111 Crop production NAICS 111	170	$42,962	$128,900	−$18,600	$1,074
NAICS 238 Specialty trade contractors NAICS 238	163	$49,066	$151,621	+$4,121	$1,227
NAICS 457 Gasoline stations and fuel dealers NAICS 457	147	$66,314	$215,824	+$68,324	$1,658
NAICS 311 Food manufacturing NAICS 311	138	$58,257	$185,833	+$38,333	$1,456
NAICS 444 Building material and garden equipment and supplies dealers NAICS 444	137	$42,208	$126,093	−$21,407	$1,055
NAICS 624 Social assistance NAICS 624	92	$26,724	$68,456	−$79,044	$668
NAICS 562 Waste management and remediation services NAICS 562	88	$71,118	$233,706	+$86,206	$1,778
NAICS 236 Construction of buildings NAICS 236	76	$45,473	$138,246	−$9,254	$1,137
NAICS 459 Sporting goods, hobby, musical instrument, book, and miscellaneous retailers NAICS 459	65	$25,819	$65,088	−$82,412	$645
NAICS 445 Food and beverage retailers NAICS 445	60	$22,913	$54,270	−$93,230	$573
NAICS 813 Religious, grantmaking, civic, professional, and similar organizations NAICS 813	60	$27,790	$72,424	−$75,076	$695
NAICS 491 Postal service NAICS 491	59	$57,794	$184,109	+$36,609	$1,445
NAICS 488 Support activities for transportation NAICS 488	56	$50,236	$155,976	+$8,476	$1,256
NAICS 332 Fabricated metal product manufacturing NAICS 332	53	$46,764	$143,052	−$4,448	$1,169
NAICS 237 Heavy and civil engineering construction NAICS 237	49	$90,556	$306,061	+$158,561	$2,264
NAICS 531 Real estate NAICS 531	41	$44,907	$136,140	−$11,360	$1,123
NAICS 812 Personal and laundry services NAICS 812	38	$38,235	$111,304	−$36,196	$956
NAICS 449 Furniture, home furnishings, electronics, and appliance retailers NAICS 449	23	$36,355	$104,306	−$43,194	$909
NAICS 323 Printing and related support activities NAICS 323	22	$28,654	$75,640	−$71,860	$716
NAICS 517 Telecommunications NAICS 517	20	$69,758	$228,643	+$81,143	$1,744
NAICS 999 Unclassified NAICS 999	17	$33,143	$92,350	−$55,150	$829
NAICS 532 Rental and leasing services NAICS 532	11	$66,690	$217,223	+$69,723	$1,667
NAICS 721 Accommodation NAICS 721	11	$23,564	$56,694	−$90,806	$589
NAICS 814 Private households NAICS 814	11	$29,298	$78,038	−$69,462	$732
NAICS 926 Administration of economic programs NAICS 926	10	$52,937	$166,030	+$18,530	$1,323

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	3,760	520	16%	$13.83	$28,770	$76,072	$719
Cashiers SOC 41-2011	4,810	610	15%	$14.32	$29,790	$79,869	$745
Childcare Workers SOC 39-9011	590	120	26%	$15.17	$31,560	$86,458	$789
Janitors and Cleaners SOC 37-2011	2,330	700	43%	$17.45	$36,290	$104,064	$907
Retail Salespersons SOC 41-2031	3,790	(1,130)	(23%)	$17.63	$36,660	$105,441	$917
Tellers SOC 43-3071	720	170	31%	$18.23	$37,920	$110,132	$948
Home Health and Personal Care Aides SOC 31-1131 · prior-year code differs	2,300	(60)	(3%)	$19.71	$40,990	$121,559	$1,025
Waiters and Waitresses SOC 35-3031	2,500	(850)	(25%)	$20.10	$41,820	$124,649	$1,046
Firefighters SOC 33-2011	240	140	140%	$20.55	$42,740	$128,073	$1,069
Office Clerks, General SOC 43-9061	3,020	(360)	(11%)	$21.09	$43,860	$132,242	$1,097
Maintenance and Repair Workers, General SOC 49-9071	1,650	260	19%	$22.33	$46,450	$141,883	$1,161
Construction Laborers SOC 47-2061	1,400	330	31%	$23.54	$48,960	$151,226	$1,224
Paramedics SOC 29-2043 · prior-year code differs	190	70	58%	$25.02	$52,030	$162,654	$1,301
Heavy and Tractor-Trailer Truck Drivers SOC 53-3032	2,680	1,020	61%	$26.02	$54,110	$170,396	$1,353
Carpenters SOC 47-2031	710	(160)	(18%)	$27.30	$56,790	$180,372	$1,420
Police and Sheriff's Patrol Officers SOC 33-3051	740	370	100%	$29.58	$61,520	$197,979	$1,538
Electricians SOC 47-2111	1,010	660	189%	$31.20	$64,890	$210,523	$1,622
Elementary School Teachers, Except Special Education SOC 25-2021	1,880	1,020	119%	—	$65,400	$212,421	$1,635
Plumbers, Pipefitters, and Steamfitters SOC 47-2152	390	230	144%	$32.53	$67,660	$220,834	$1,692
Registered Nurses SOC 29-1141	3,030	110	4%	$41.79	$86,920	$292,526	$2,173

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: 26057 · pulled from Full Housing Data Table.xlsx.