White Cloud, Michigan.
Typical home $204,611 (+5.5% in a year).
to buy the typical home at today's mortgage rate — +$642 (+149%) since Jan 2020.
- 1 year
- Up $10,619 +5%
- $193,992$204,611 since Sep 2025
- 5 years
- Up $41,955 +26%
- $162,656$204,611 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- White Cloud$1,074
- Michigan$1,384
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 15 years.
Typical home values in White Cloud, MI rose 5.5% over the past year — faster than the nation's +1.2%.
Living in White Cloud, Newaygo County, Michigan
White Cloud is a city of 1,479 people in Newaygo County. Half its households earn more than $45,192 a year and half less, against $63,304 across Newaygo County; 15% of its people live below the poverty line. 66% of its homes are lived in by their owners and 34% are rented. Unemployment in Newaygo County was 5.1% in August 2026, and the county had 0.9% fewer jobs in 2025 than the year before. The most residents work in schools and health care, then shops.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. White Cloud is a small city in Newaygo County, and it is the kind of place where people tend to know one another. Household incomes run below the county's, and more people here live below the poverty line than you might expect from a rural Michigan town. Most homes are lived in by their owners, and fewer adults hold a four-year degree than across the country as a whole. Winters are cold and snowy, with January the coldest month, while summers are warm and the year brings a fair amount of rain and melted snow.
Work. Residents work mostly in schools, hospitals and social care, in shops, in manufacturing, and in banks, insurance and property. Across Newaygo County, some of the largest workplaces are Magna Mirrors-Newaygo Division, Nestle Gerber Products Company and Corewell Health Gerber. The county has lost a few jobs over the past year, and unemployment there is a little lower than it was a year ago. The typical commute is a long one, and some residents work from home.
Things to do. The Little Muskegon River and Newaygo State Park are both a short drive away, giving residents a river to fish or paddle and a protected area for walking and camping. Farther out, a longer drive brings you to Manistee National Forest, a large protected area of woods and trails. Those who like history can also visit the Toft Lake Village Site, an archaeological site a short drive away.
Report a mistake
- 430households
- 14%of adults have a degree
- 15%below the poverty line
- 33 mintypical commute
- 10%work from home
What residents work in
Employed residents by industry, from the Census survey. Newaygo County had 11,796 jobs in 2025, 0.9% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 30° and lows near 16°; warmest in July, with highs near 80° and lows near 58°. About 37 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Fremont Wsw weather station, 15 miles away (NOAA).
Largest workplaces in Newaygo County
- Magna Mirrors-Newaygo DivisionOil filters, automotive, truck, and bus, manufacturing868
- Nestle Gerber Products CompanyInfant and junior food canning495
- Corewell Health GerberCritical access hospital323FTE
- Fremont Public School DistrictSchool district273FTE
- County of NewaygoGeneral services departments, government260
- WalmartWarehouse clubs and supercenters259
- Newaygo County RESA SchoolsSchool district225FTE
- MeijerRetail222
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 25 workplaces with 20 or more staff, 3,630 people in all across the county; White Cloud has two of its own. Hospitals come from their Medicare cost reports (CMS, 2023) and school districts from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Winter weatherVery high
- Strong windVery high
- LightningRelatively moderate
- Cold wavesRelatively moderate
- Inland floodingRelatively moderate
- TornadoesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in White Cloud’s census tracts, against the rest of the country; all of them together, relatively low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Newaygo County.
White Cloud home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- White Cloud$204,611
- Michigan$263,760
- United States$366,157
Sellers are cutting prices on about 1 in 3 White Cloud listings — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- White Cloud33.64%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- White Cloud39
New listings per month
Sellers arriving at the market.
- White Cloud13
Zip codes with a White Cloud address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls White Cloud — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.