White Cloud, MI—49349
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — White Cloud, MI
White Cloud, MI lacks sufficient home price data for analysis.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $189,000 | 0.9% |
| Single Family | $188,000 | 2.2% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $185,000 | 1.6% |
3 Bed | $227,000 | 1.8% |
4 Bed | N/A | N/A |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — White Cloud, MI
As of July '25, Rentcast reports the average rent in White Cloud, MI is $1,800, with a year-over-year rent change of 35.3%. Per bedroom, the median rent as of July '25 in White Cloud, MI is 4-bedrooms: $1,800. The most common rental property sizes in White Cloud, MI are 2-bedroom and 3-bedroom, accounting for 47.9% and 32.1% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,800 | $1,800 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | N/A | N/A |
| 4 Bed Rent | $1,800 | $1,800 |
% of Rental Stock
Property Listings — White Cloud, MI
As of Oct '25, Realtor.com reports that the median days on market for a home in White Cloud, MI is 59. This is a increase of 3.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 46.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $266,000 | 1.0% |
Listing Count | 39 | 11.0% |
| Listings as % of Homes | 0.4% | 11.0% |
Days on Market | 59 | 3.0% |
Demographics — White Cloud, MI
As of the latest ACS Survey released in 2023, White Cloud, MI has a population of 8,060, which has increased by 3.0% over the past 5 years. White Cloud, MI is a moderately popular place for families, as children make up 18.1% of the population. The area has a poorly educated workforce, with 11.0% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 7.1% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 8,060 | 3.0% |
% Under 18 | 18.1% | -14.6% |
% Seniors | 19.5% | 12.7% |
% WFH | 7.1% | 54.3% |
% w/ College Degree | 11.0% | 14.6% |
As of the latest ACS Survey released in 2023, White Cloud, MI is a predominantly white area, with 87.7% of the population identifying as white. The white population has shrunk by 4.2% in the last 5 years. The second most common race or ethnicity in White Cloud, MI is hispanic, making up 4.2% of the population. Foreign-born residents account for 1.6% of the population in White Cloud, MI, and this percentage has increased by 300.0% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 87.7% | -4.2% |
% Black | 1.2% | -61.3% |
% Hispanic | 4.2% | 82.6% |
% Asian | 0.5% | 150.0% |
% Foreign Born | 1.6% | 300.0% |
Mortgage and Risk — White Cloud, MI
According to HUD data as of 2023, there were 142 mortgage originations in White Cloud, MI, of which 78.0% of loans were conventional mortgages. The average loan-to-value was 72.0%, with 30.0% above 90% LTV (very high). This implies large mortgage risk in White Cloud, MI. Investor activity is low, as 3.0% of loans were by investors. 13.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 142 |
% Conventional Loans | 78.0% |
% Government Loans | 22.0% |
% Investor Loans | 3.0% |
% Second Loans | 6.0% |
% Cash Out Refinance | 13.0% |
Loan Activity
Rentals and Section 8 — White Cloud, MI
White Cloud, MI lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 28 |
Total Units Section 8 | 28 |
% Rentals under Section 8 | N/A |
% Occupied Section 8 | 93.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $710 |
| 2 Bedroom | N/A | N/A | $930 |
| 3 Bedroom | N/A | N/A | $1,250 |
| 4 Bedroom | -$490 | $1,800 | $1,310 |
Affordability — White Cloud, MI
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.2 |
| Median Home Price | $189,000 |
| Median Household Income | $52,800 |