Census tract · Otsego County
Census Tract 9504, Otsego County, Michigan
Census Tract 9504, GEOID 26137950400, in Otsego County, Michigan, mostly within Chester Township, Otsego County (52% of its census blocks). 2,258 residents in the ACS 2020-2024 5-year estimates (±192); the 2020 Census counted 2,160.
Residents, 2020-2024
2,258
±192 (90% margin)
2020 Census count: 2,160
Median household income
$70,000
±$8,151 (90% margin)
Otsego County: $68,183
Median home value
$228,500
±$17,106 (90% margin)
Otsego County: $219,700
Median gross rent
not published
Otsego County: $1,008
Where is Census Tract 9504?
Census Tract 9504 is one of 6 census tracts in Otsego County, Michigan. It covers 109.62 square miles of land, 20 residents per square mile in 2020. Its GEOID, 26137950400, names it uniquely (how tract numbers and GEOIDs work).
| Place | Share of the tract |
|---|---|
| Chester Township, Otsego County | 52% |
| Charlton Township | 41% |
| Otsego Lake Township | 6% |
6 census tracts border Census Tract 9504: Tract 9601 in Crawford County ($70,694), Tract 9104 in Montmorency County ($42,559), Tract 9105 in Montmorency County ($73,750), Tract 9501 ($64,702), Tract 9502 ($86,204) and Tract 9506 ($79,646). 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 9504?
The 2020-2024 American Community Survey puts Census Tract 9504's population at 2,258 (±192) in 978 households; the 2020 Census counted 2,160 residents and 2,087 housing units.
| Measure | Tract 9504 | Chester Township, Otsego County |
|---|---|---|
| Total population | 2,258 ±192 | 1,234 |
| Households | 978 ±95 | 532 |
| Average household size | 2.31 ±0.19 | 2.32 |
| Housing units | 1,918 ±116 | 799 |
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 9504?
The median resident of Census Tract 9504 is 50.5 years old; 20.3% are under 18 and 23.8% are 65 or older. The largest group is non-Hispanic white residents at 96.2%, then non-Hispanic residents of two or more races at 2.2%.
| Measure | Tract 9504 | Chester Township, Otsego County |
|---|---|---|
| Median age | 50.5 ±2.7 | 45.6 |
| Under 18 years | 20.3% ±4.3 pts | 20.7% |
| 65 years and over | 23.8% ±3.2 pts | 20.0% |
| Hispanic or Latino (any race) | 0.4% ±0.4 pts | 0.3% |
| White alone, not Hispanic | 96.2% ±1.5 pts | 94.7% |
| Black or African American alone, not Hispanic | 0.2% ±0.3 pts | 0.0% |
| Asian alone, not Hispanic | 0.0% ±1.3 pts | 1.7% |
| American Indian and Alaska Native alone, not Hispanic | 0.9% ±0.7 pts | 1.3% |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.0% ±1.3 pts | 0.0% |
| Two or more races, not Hispanic | 2.2% ±1.2 pts | 1.9% |
| Some other race alone, not Hispanic | 0.2% ±0.3 pts | 0.0% |
| Born outside the United States | 0.8% ±0.7 pts | 2.4% |
| Speak a language other than English at home (age 5+) | 1.2% ±1.0 pts | 3.1% |
| Civilian veterans (age 18+) | 11.0% ±3.0 pts | 12.8% |
| With a disability | 16.4% ±3.3 pts | 17.9% |
| No health insurance coverage | 3.6% ±2.1 pts | 3.7% |
| High school graduate or higher (age 25+) | 95.4% ±1.6 pts | 92.8% |
| Bachelor's degree or higher (age 25+) | 27.4% ±5.7 pts | 22.5% |
| Graduate or professional degree (age 25+) | 9.0% ±4.0 pts | 8.9% |
| Lived in the same house a year earlier | 86.9% ±5.6 pts | 92.8% |
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 9504 earn?
Half of the 978 households in Census Tract 9504 earn less than $70,000 a year (±$8,151), against $68,183 across Otsego County: 4th highest of the county's 6 tracts with a reliable estimate. 4.9% of residents live below the poverty line.
| Measure | Tract 9504 | Chester Township, Otsego County |
|---|---|---|
| Median household income | $70,000 ±$8,151 | $73,707 |
| Mean household income | $95,600 ±$15,102 | $97,469 |
| Per capita income | $40,570 ±$5,383 | $41,497 |
| People below the poverty line | 4.9% ±2.2 pts | 5.3% |
| Children under 18 below the poverty line | 1.7% ±2.0 pts | 2.0% |
| Households receiving SNAP | 5.9% ±2.1 pts | 6.4% |
| Households with a computer | 94.5% ±3.0 pts | 97.4% |
| Households with a broadband subscription | 91.3% ±4.1 pts | 93.0% |
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 9504?
Owners occupy 92.0% of Census Tract 9504's occupied homes and renters 8.0%. The median owner-occupied home is valued at $228,500 by its owner (±$17,106).
| Measure | Tract 9504 | Chester Township, Otsego County |
|---|---|---|
| Median home value (owner-occupied) | $228,500 ±$17,106 | $213,700 |
| Renters paying 35% or more of income on rent | 69.2% ±27.0 pts | 67.3% |
| Median monthly owner costs, with a mortgage | $1,243 ±$104 | $1,225 |
| Owner-occupied homes | 92.0% ±4.1 pts | 90.0% |
| Renter-occupied homes | 8.0% ±4.1 pts | 10.0% |
| Housing units | 1,918 ±116 | 799 |
| Single-family detached homes | 89.6% ±3.4 pts | 92.0% |
| Mobile homes | 9.3% ±3.3 pts | 6.3% |
| Built 2020 or later | 0.4% ±0.4 pts | 0.4% |
| Built 2010 to 2019 | 3.1% ±1.4 pts | 4.3% |
| Built 1939 or earlier | 1.8% ±1.1 pts | 2.8% |
| Households with no vehicle | 2.8% ±1.6 pts | 3.8% |
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 9504 get to work?
76.7% of Census Tract 9504's workers drive alone and 16.7% work from home. The average trip to work takes 25.1 minutes. The unemployment rate in 2020-2024 averaged 10.6%.
| Measure | Tract 9504 | Chester Township, Otsego County |
|---|---|---|
| In the labor force (age 16+) | 57.7% ±4.9 pts | 65.2% |
| Unemployment rate | 10.6% ±5.7 pts | 10.0% |
| Drove alone to work | 76.7% ±8.4 pts | 77.5% |
| Carpooled | 5.1% ±2.7 pts | 8.2% |
| Public transportation | 0.7% ±0.9 pts | 1.0% |
| Walked | 0.9% ±0.9 pts | 0.7% |
| Worked from home | 16.7% ±8.5 pts | 12.6% |
| Mean travel time to work | 25.1 min ±3.3 | 25.0 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 9504 compare with the other tracts in Otsego County?
Among Otsego County's tracts with a reliable estimate, Census Tract 9504 ranks as shown below (1 = highest).
| Measure | In Otsego County |
|---|---|
| Population | 6th of 6 |
| Residents per square mile | 5th of 6 |
| Median household income | 4th of 6 |
| Per capita income | 2nd of 6 |
| Median home value | 3rd of 6 |
| Poverty rate | 6th of 6 |
| Bachelor's degree or higher | 3rd of 6 |
| Median age | 1st of 6 |
| Owner-occupied share | 1st of 6 |
The tracts next to it on Otsego County's income ladder
| Tract | Rank | Median household income |
|---|---|---|
| Tract 9502 | 1st | $86,204±$6,233 |
| Tract 9506 | 2nd | $79,646±$12,326 · within the margin of this tract |
| Tract 9505 | 3rd | $76,425±$12,524 · within the margin of this tract |
| Tract 9504 | 4th | $70,000±$8,151 |
| Tract 9501 | 5th | $64,702±$7,359 · within the margin of this tract |
| Tract 9503 | 6th | $52,569±$16,124 · 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 9504?
3 of the 17 figures for Census Tract 9504 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