Census tract · Charlevoix County
Census Tract 5, Charlevoix County, Michigan
Census Tract 5, GEOID 26029000500, in Charlevoix County, Michigan, mostly within St. James Township (67% of its census blocks). 732 residents in the ACS 2020-2024 5-year estimates (±86); the 2020 Census counted 525.
Residents, 2020-2024
732
±86 (90% margin)
2020 Census count: 525
Median household income
$75,938
±$20,610 (90% margin)
Charlevoix County: $76,531
Median home value
$360,800
±$42,817 (90% margin)
Charlevoix County: $276,800
Median gross rent
$875
±$143 (90% margin)
Charlevoix County: $949
Where is Census Tract 5?
Census Tract 5 is one of 14 census tracts in Charlevoix County, Michigan. It covers 72.69 square miles of land, 7 residents per square mile in 2020. Its GEOID, 26029000500, names it uniquely (how tract numbers and GEOIDs work).
| Place | Share of the tract |
|---|---|
| St. James Township | 67% |
| Peaine Township | 33% |
| St. James | 16% |
Whether a tract counts as low- or moderate-income for bank lending (the Community Reinvestment Act) is set by the FFIEC against its metro area's family income: look it up in the FFIEC census geocoder.
Source: 2024 Gazetteer and 2020 block assignment files, U.S. Census Bureau · Census reference files
How many people live in Census Tract 5?
The 2020-2024 American Community Survey puts Census Tract 5's population at 732 (±86) in 369 households; the 2020 Census counted 525 residents and 944 housing units.
| Measure | Tract 5 | St. James Township |
|---|---|---|
| Total population | 732 ±86 | 373 |
| Households | 369 ±41 | 164 |
| Average household size | 1.98 ±0.19 | 2.27 |
| Housing units | 961 ±51 | 446 |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026); 2020 Census P.L. 94-171 · Check it at data.census.gov
Who lives in Census Tract 5?
The median resident of Census Tract 5 is 63.0 years old; 15.7% are under 18 and 46.3% are 65 or older. The largest group is non-Hispanic white residents at 89.6%, then non-Hispanic residents of two or more races at 4.0%. 7.0% of residents were born outside the United States.
| Measure | Tract 5 | St. James Township |
|---|---|---|
| Median age | 63.0 ±2.7 | 54.8 |
| Under 18 years | 15.7% ±4.0 pts | 26.3% |
| 65 years and over | 46.3% ±5.5 pts | 38.3% |
| Hispanic or Latino (any race) | 3.7% ±3.3 pts | 1.1% |
| White alone, not Hispanic | 89.6% ±4.3 pts | 90.3% |
| Black or African American alone, not Hispanic | 0.0% ±4.0 pts | 0.0% |
| Asian alone, not Hispanic | 0.7% ±0.7 pts | 1.1% |
| American Indian and Alaska Native alone, not Hispanic | 0.8% ±0.7 pts | 1.6% |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.0% ±4.0 pts | 0.0% |
| Two or more races, not Hispanic | 4.0% ±2.8 pts | 5.1% |
| Some other race alone, not Hispanic | 1.2% ±1.8 pts | 0.8% |
| Born outside the United States | 7.0% ±2.8 pts | 7.0% |
| Speak a language other than English at home (age 5+) | 1.8% ±1.0 pts | 1.7% |
| Civilian veterans (age 18+) | 9.9% ±3.3 pts | 9.8% |
| With a disability | 15.6% ±3.5 pts | 16.6% |
| No health insurance coverage | 10.9% ±3.3 pts | 13.7% |
| High school graduate or higher (age 25+) | 99.2% ±0.6 pts | 98.9% |
| Bachelor's degree or higher (age 25+) | 51.3% ±5.0 pts | 45.6% |
| Graduate or professional degree (age 25+) | 25.7% ±4.8 pts | 16.3% |
| Lived in the same house a year earlier | 87.7% ±5.4 pts | 83.3% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profiles DP02, DP05) · Check it at data.census.gov
What do households in Census Tract 5 earn?
Half of the 369 households in Census Tract 5 earn less than $75,938 a year (±$20,610), against $76,531 across Charlevoix County: 7th highest of the county's 13 tracts with a reliable estimate. 9.7% of residents live below the poverty line.
| Measure | Tract 5 | St. James Township |
|---|---|---|
| Median household income | $75,938 ±$20,610 | $63,333 |
| Mean household income | $96,566 ±$9,517 | $87,124 |
| Per capita income | $48,984 ±$5,096 | $38,715 |
| People below the poverty line | 9.7% ±3.6 pts | 10.3% |
| Children under 18 below the poverty line | 16.1% ±13.1 pts | 15.8% |
| Households receiving SNAP | 6.5% ±3.0 pts | 9.1% |
| Households with a computer | 97.8% ±1.1 pts | 98.2% |
| Households with a broadband subscription | 86.2% ±7.1 pts | 95.1% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
What does housing cost in Census Tract 5?
Owners occupy 93.0% of Census Tract 5's occupied homes and renters 7.0%. The median owner-occupied home is valued at $360,800 by its owner (±$42,817). The median renter pays $875 a month including utilities, and 50.0% of renters pay 35% or more of their income on rent.
| Measure | Tract 5 | St. James Township |
|---|---|---|
| Median home value (owner-occupied) | $360,800 ±$42,817 | $327,400 |
| Median gross rent | $875 ±$143 | $850 |
| Renters paying 35% or more of income on rent | 50.0% ±20.9 pts | 42.9% |
| Median monthly owner costs, with a mortgage | $1,634 ±$306 | $1,333 |
| Owner-occupied homes | 93.0% ±3.2 pts | 87.2% |
| Renter-occupied homes | 7.0% ±3.2 pts | 12.8% |
| Housing units | 961 ±51 | 446 |
| Single-family detached homes | 94.7% ±2.0 pts | 90.6% |
| Mobile homes | 1.2% ±1.0 pts | 1.1% |
| Built 2020 or later | 0.2% ±0.2 pts | 0.4% |
| Built 2010 to 2019 | 5.0% ±2.0 pts | 4.3% |
| Built 1939 or earlier | 7.3% ±2.1 pts | 8.5% |
| Households with no vehicle | 1.9% ±1.2 pts | 3.0% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP04) · Check it at data.census.gov
How do people in Census Tract 5 get to work?
63.7% of Census Tract 5's workers drive alone and 25.7% work from home. The average trip to work takes 11.1 minutes.
| Measure | Tract 5 | St. James Township |
|---|---|---|
| In the labor force (age 16+) | 43.4% ±5.6 pts | 50.9% |
| Unemployment rate | 7.0% ±5.3 pts | 13.2% |
| Drove alone to work | 63.7% ±10.2 pts | 84.7% |
| Carpooled | 7.6% ±4.3 pts | 2.7% |
| Public transportation | 0.0% ±11.9 pts | 0.0% |
| Walked | 0.8% ±1.1 pts | 0.9% |
| Worked from home | 25.7% ±10.5 pts | 11.7% |
| Mean travel time to work | 11.1 min ±1.2 | 9.3 min |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
How does Census Tract 5 compare with the other tracts in Charlevoix County?
Among Charlevoix County's tracts with a reliable estimate, Census Tract 5 ranks as shown below (1 = highest).
| Measure | In Charlevoix County |
|---|---|
| Population | 13th of 13 |
| Residents per square mile | 13th of 13 |
| Median household income | 7th of 13 |
| Per capita income | 6th of 13 |
| Median home value | 2nd of 13 |
| Median gross rent | 8th of 12 |
| Poverty rate | 3rd of 13 |
| Bachelor's degree or higher | 2nd of 13 |
| Median age | 1st of 13 |
| Owner-occupied share | 2nd of 13 |
The tracts next to it on Charlevoix County's income ladder
| Tract | Rank | Median household income |
|---|---|---|
| Tract 8 | 4th | $85,114±$12,748 · within the margin of this tract |
| Tract 12 | 5th | $83,359±$11,626 · within the margin of this tract |
| Tract 1 | 6th | $79,412±$7,930 · within the margin of this tract |
| Tract 5 | 7th | $75,938±$20,610 |
| Tract 3 | 8th | $74,318±$2,717 · within the margin of this tract |
| Tract 10 | 9th | $73,403±$14,871 · within the margin of this tract |
| Tract 11 | 10th | $65,233±$8,457 · within the margin of this tract |
"Within the margin": the two incomes differ by less than their combined 90% margins, so the survey cannot say which is higher and the ranks between them are not firm.
Source: PlainCities ranks computed from the American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) · How ranks are computed
How reliable are the figures for Census Tract 5?
3 of the 18 figures for Census Tract 5 on this page carry a coefficient of variation over 40% and are marked with a ring: they come from a small sample, so read them as rough.
A census tract's figures rest on a few hundred sampled households over five years, so its margins are wider than a city's. Two tracts differ only when the gap between them is larger than their combined 90% margin (the square root of the sum of the two squared margins). How to read a margin of error.
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026): margins of error as published · Check it at data.census.gov
How these figures are made: methodology and release checks · reading a margin of error · every state · corrections