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  4. /White Cloud, MI - 49349

White Cloud, MI—49349

Real Estate Data & Market Trends

Key Metrics at a Glance

Median Home Value
$213,000
7.0% YoY Growth
Household Income
$52,800
23.5% YoY Growth
Days on Market
28
0.0% Longer YoY
Home Price Forecast
N/A
Median Rent
$1,800
35.3% YoY Growth
1-Bed Rent
N/A
N/A
2-Bed Rent
N/A
N/A
3-Bed Rent
N/A
N/A
  • Home Price Trends
  • Rental Trends
  • Property Listings
  • Demographics
  • Mortgage and Risk

Home Price Trends — White Cloud, MI

White Cloud, MI lacks sufficient home price data for analysis.

Cost per Home Type

Home TypeMedian Home ValueYoY % Change
All Homes
$213,0007.0%
Single Family $213,0007.0%
Condos N/AN/A

Cost per Home Size

Home SizeMedian Home ValueYoY % Change
1 Bed
N/AN/A

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  • Affordability
  • Rentals and Section 8
    • 2 Bed
    $198,000
    4.2%
    3 Bed
    		$241,0004.8%
    4 Bed
    		N/AN/A
    5 Bed N/AN/A
    Loading chart...

    % of Housing Stock

    Studio
    2.2%
    1 Bedroom
    10.2%
    2 Bedrooms
    35.1%
    3 Bedrooms
    40.4%
    4 Bedrooms
    10.3%
    5+ Bedrooms
    1.9%

    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.

    TypeMedian RentAverage Rent
    Average Rent$1,800$1,800
    Studio Rent N/AN/A
    1 Bed Rent N/AN/A
    2 Bed Rent N/AN/A
    3 Bed Rent N/AN/A
    4 Bed Rent $1,800$1,800
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    % of Rental Stock

    Studio
    2.0%
    1 Bedroom
    13.4%
    2 Bedrooms
    47.9%
    3 Bedrooms
    32.1%
    4 Bedrooms
    2.7%
    5+ Bedrooms
    2.0%

    Property Listings — White Cloud, MI

    As of May '26, Realtor.com reports that the median days on market for a home in White Cloud, MI is 28. This is a decrease of 0.0% from last year, suggesting that homes are sitting on the market about the same amount of time than last year. The percentage of listed homes with a reduced price is 16.0%, representing a small inventory and little supply pressure on home prices.

    MetricZip Code AverageYear over Year % Change
    Median Listing Price
    		$257,0009.0%
    Listing Count
    		25-41.0%
    Listings as % of Homes0.4%-41.0%
    Days on Market
    		280.0%
    Loading chart...

    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.

    MetricLatest CensusYoY % Change
    Population
    		8,0603.0%
    % Under 18
    		18.1%-14.6%
    % Seniors
    		19.5%12.7%
    % WFH
    		7.1%54.3%
    % w/ College Degree
    		11.0%14.6%
    Loading chart...

    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

    MetricLatest Census5-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%
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    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

    MetricZip 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%
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    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 SizeHUD PremiumMarket RentMax HUD Rent
    1 BedroomN/AN/A$710
    2 BedroomN/AN/A$930
    3 BedroomN/AN/A$1,250
    4 Bedroom-$490$1,800$1,310

    Affordability — White Cloud, MI

    Home Price to Income Ratio

    MetricZip Code Average
    Home Price to Income Ratio3.4
    Median Home Price$213,000
    Median Household Income$52,800

    White Cloud, MI — ZIP Code Boundary Map

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    Nearby ZIP Codes

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    49312

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    Frequently Asked Questions