Census tract · Bay County
Census Tract 2864, Bay County, Michigan
Census Tract 2864, GEOID 26017286400, in Bay County, Michigan, mostly within Gibson Township (56% of its census blocks). 2,431 residents in the ACS 2020-2024 5-year estimates (±296); the 2020 Census counted 2,523.
Residents, 2020-2024
2,431
±296 (90% margin)
2020 Census count: 2,523
Median household income
$63,224
±$9,824 (90% margin)
Bay County: $61,763
Median home value
$180,000
±$15,123 (90% margin)
Bay County: $152,200
Median gross rent
$1,021
±$498 (90% margin)
Bay County: $860
Where is Census Tract 2864?
Census Tract 2864 is one of 28 census tracts in Bay County, Michigan. It covers 71.45 square miles of land, 35 residents per square mile in 2020. Its GEOID, 26017286400, names it uniquely (how tract numbers and GEOIDs work).
| Place | Share of the tract |
|---|---|
| Gibson Township | 56% |
| Mount Forest Township | 44% |
6 census tracts border Census Tract 2864: Tract 9702 in Arenac County ($60,368), Tract 9705 in Arenac County ($52,917), Tract 2862 ($70,625), Tract 2863 ($63,148), Tract 3 in Gladwin County ($56,477) and Tract 9 in Gladwin County ($61,618). The figure in brackets is each tract's median household income.
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 2864?
The 2020-2024 American Community Survey puts Census Tract 2864's population at 2,431 (±296) in 981 households; the 2020 Census counted 2,523 residents and 1,096 housing units.
| Measure | Tract 2864 | Gibson Township |
|---|---|---|
| Total population | 2,431 ±296 | 978 |
| Households | 981 ±98 | 435 |
| Average household size | 2.48 ±0.18 | 2.25 |
| Housing units | 1,105 ±102 | 506 |
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 2864?
The median resident of Census Tract 2864 is 47.6 years old; 16.6% are under 18 and 22.2% are 65 or older. The largest group is non-Hispanic white residents at 93.4%, then Hispanic or Latino residents (of any race) at 3.4%.
| Measure | Tract 2864 | Gibson Township |
|---|---|---|
| Median age | 47.6 ±4.5 | 47.9 |
| Under 18 years | 16.6% ±3.0 pts | 16.8% |
| 65 years and over | 22.2% ±4.3 pts | 20.4% |
| Hispanic or Latino (any race) | 3.4% ±1.8 pts | 2.6% |
| White alone, not Hispanic | 93.4% ±2.4 pts | 96.4% |
| Black or African American alone, not Hispanic | 0.0% ±0.2 pts | 0.0% |
| Asian alone, not Hispanic | 0.0% ±1.2 pts | 0.0% |
| American Indian and Alaska Native alone, not Hispanic | 0.0% ±1.2 pts | 0.0% |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.0% ±1.2 pts | 0.0% |
| Two or more races, not Hispanic | 2.5% ±1.2 pts | 1.0% |
| Some other race alone, not Hispanic | 0.7% ±1.1 pts | 0.0% |
| Born outside the United States | 0.0% ±1.2 pts | 0.0% |
| Speak a language other than English at home (age 5+) | 2.4% ±1.6 pts | 1.6% |
| Civilian veterans (age 18+) | 7.3% ±2.3 pts | 5.8% |
| With a disability | 13.3% ±3.4 pts | 13.2% |
| No health insurance coverage | 11.8% ±4.4 pts | 13.4% |
| High school graduate or higher (age 25+) | 87.9% ±3.3 pts | 86.2% |
| Bachelor's degree or higher (age 25+) | 12.8% ±3.9 pts | 13.7% |
| Graduate or professional degree (age 25+) | 3.4% ±1.6 pts | 4.8% |
| Lived in the same house a year earlier | 93.7% ±2.4 pts | 94.0% |
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 2864 earn?
Half of the 981 households in Census Tract 2864 earn less than $63,224 a year (±$9,824), against $61,763 across Bay County: 12th highest of the county's 26 tracts with a reliable estimate. 9.4% of residents live below the poverty line.
| Measure | Tract 2864 | Gibson Township |
|---|---|---|
| Median household income | $63,224 ±$9,824 | $61,691 |
| Mean household income | $80,799 ±$8,617 | $77,602 |
| Per capita income | $32,920 ±$2,513 | $35,965 |
| People below the poverty line | 9.4% ±3.3 pts | 6.6% |
| Children under 18 below the poverty line | 10.5% ±5.8 pts | 3.0% |
| Households receiving SNAP | 11.2% ±4.1 pts | 10.1% |
| Households with a computer | 92.5% ±2.4 pts | 90.3% |
| Households with a broadband subscription | 82.0% ±4.4 pts | 77.9% |
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 2864?
Owners occupy 93.4% of Census Tract 2864's occupied homes and renters 6.6%. The median owner-occupied home is valued at $180,000 by its owner (±$15,123). The median renter pays $1,021 a month including utilities.
| Measure | Tract 2864 | Gibson Township |
|---|---|---|
| Median home value (owner-occupied) | $180,000 ±$15,123 | $169,200 |
| Median gross rent | $1,021 ±$498 | $769 |
| Renters paying 35% or more of income on rent | 0.0% ±47.5 pts | 0.0% |
| Median monthly owner costs, with a mortgage | $1,335 ±$98 | $1,408 |
| Owner-occupied homes | 93.4% ±3.5 pts | 93.3% |
| Renter-occupied homes | 6.6% ±3.5 pts | 6.7% |
| Housing units | 1,105 ±102 | 506 |
| Single-family detached homes | 85.9% ±3.9 pts | 81.8% |
| Mobile homes | 11.8% ±3.9 pts | 14.4% |
| Built 2020 or later | 0.6% ±0.6 pts | 0.8% |
| Built 2010 to 2019 | 1.2% ±0.8 pts | 2.2% |
| Built 1939 or earlier | 12.8% ±4.5 pts | 17.8% |
| Households with no vehicle | 4.7% ±3.5 pts | 2.1% |
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 2864 get to work?
87.6% of Census Tract 2864's workers drive alone and 5.7% work from home. The average trip to work takes 35.6 minutes. The unemployment rate in 2020-2024 averaged 5.9%.
| Measure | Tract 2864 | Gibson Township |
|---|---|---|
| In the labor force (age 16+) | 53.8% ±4.0 pts | 58.3% |
| Unemployment rate | 5.9% ±3.8 pts | 3.3% |
| Drove alone to work | 87.6% ±4.6 pts | 85.0% |
| Carpooled | 6.2% ±3.6 pts | 12.1% |
| Public transportation | 0.0% ±2.8 pts | 0.0% |
| Walked | 0.0% ±2.8 pts | 0.0% |
| Worked from home | 5.7% ±3.0 pts | 1.7% |
| Mean travel time to work | 35.6 min ±2.4 | 35.3 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 2864 compare with the other tracts in Bay County?
Among Bay County's tracts with a reliable estimate, Census Tract 2864 ranks as shown below (1 = highest).
| Measure | In Bay County |
|---|---|
| Population | 24th of 27 |
| Residents per square mile | 27th of 27 |
| Median household income | 12th of 26 |
| Per capita income | 14th of 27 |
| Median home value | 6th of 27 |
| Median gross rent | 4th of 24 |
| Poverty rate | 19th of 25 |
| Bachelor's degree or higher | 25th of 27 |
| Median age | 7th of 27 |
| Owner-occupied share | 3rd of 27 |
The tracts next to it on Bay County's income ladder
| Tract | Rank | Median household income |
|---|---|---|
| Tract 2862 | 9th | $70,625±$14,566 · within the margin of this tract |
| Tract 2857 | 10th | $68,605±$13,642 · within the margin of this tract |
| Tract 2852.02 | 11th | $65,323±$19,225 · within the margin of this tract |
| Tract 2864 | 12th | $63,224±$9,824 |
| Tract 2863 | 13th | $63,148±$11,768 · within the margin of this tract |
| Tract 2858 | 14th | $61,364±$11,059 · within the margin of this tract |
| Tract 2805 | 15th | $60,136±$11,255 · 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 2864?
2 of the 18 figures for Census Tract 2864 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