Otsego city, Michigan Demographics & Population 2026
As of 2026, Otsego city, Michigan has a total population of 4,079, the 206th largest city in Michigan, with a median household income of $76,944, which is 8% higher than the state average. The poverty rate is 3.4%.
Key Takeaways
- An exceptionally low poverty rate of 3.4% — among the lowest in Michigan.
- Housing is very affordable with a home-value-to-income ratio of just 2.0x.
Otsego city Quick Facts
How Otsego city Compares
Median Household Income
Median Home Value
Economy & Housing
Household Income Distribution
Employment
Housing Overview
People & Demographics
Age Distribution
Race & Ethnicity
Diversity Index
Moderate diversity with one or two groups making up the majority.
State average: 44 | National average: 60
Education
Educational Attainment (Adults 25+)
Otsego city Rankings in Michigan
Explore Michigan Rankings
Other Cities in Allegan County
| City | Population | Median Income | Poverty | Home Value |
|---|---|---|---|---|
| Allegan city | 5,182 | $42,261 | 15.1% | $161,100 |
| Wayland city | 4,430 | $71,797 | 10.2% | $201,200 |
| Plainwell city | 3,764 | $65,846 | 11.7% | $191,100 |
| Fennville city | 1,880 | $65,268 | 24.3% | $128,900 |
| Douglas city | 1,295 | $77,841 | 4.4% | $383,000 |
| Saugatuck city | 751 | $118,309 | 11.6% | $619,400 |
Cities Similar to Otsego city
These cities in the same state have comparable population and economic profiles.
| City | Population | Median Income | Home Value | Bachelor's+ | Poverty |
|---|---|---|---|---|---|
| Linden city | 4,150 | $77,434 | $232,300 | 25.8% | 5.5% |
| Lowell city | 4,133 | $71,406 | $231,100 | 27.3% | 9.1% |
| Williamston city | 3,800 | $73,902 | $215,000 | 46.0% | 8.3% |
| Middleville village | 4,327 | $71,417 | $209,000 | 26.5% | 8.1% |
| Marine City city | 4,047 | $63,156 | $146,500 | 17.1% | 7.4% |
Population Overview
Otsego city is a small community located in Michigan, within Allegan County. The total population is 4,079. It ranks as the 206th most populous out of 745 cities and towns in Michigan.
Age Demographics
The median age in Otsego city is 39.3 years. This is 2% lower than the state median of 40.1 years.
Economy, Income & Housing
The median household income in Otsego city is $76,944. This is 8% higher than the state median of $71,149. Compared to the national median of $78,538, household income here is 2% lower. The poverty rate stands at 3.4%. This is 74% lower than the state poverty rate of 13.1%. This exceptionally low poverty rate indicates strong economic prosperity across the community. The unemployment rate is 6.9%. This is 19% higher than the state rate of 5.8%. The median home value is $155,500. Housing costs are 29% lower than the state median of $217,600. With a home-value-to-income ratio of just 2.0x, Otsego city is one of the most affordable housing markets in the area. 72.2% of occupied housing units are owner-occupied.
Race & Ethnicity
The largest racial or ethnic group in Otsego city is White (non-Hispanic), making up 73.7% of the population. Hispanic or Latino residents account for 6.7%. The Black or African American population (0.2%) is well below the state average of 13.2%. The Asian population (0.3%) is well below the state average of 3.3%.
Education
13.1% of residents aged 25 and older hold a bachelor's degree or higher. This is 59% lower than the state rate of 31.8%. Nationally, 35.0% of adults hold at least a bachelor's degree. The high school graduation rate (or equivalent) is 86.5%.
Data Sources & Methodology
All demographic data for Otsego city, Michigan is sourced from the U.S. Census Bureau's American Community Survey (ACS) 5-Year Estimates (2019-2023). The ACS collects data from approximately 3.5 million households annually, providing reliable estimates for communities of all sizes. Comparisons are made against Michigan state averages and national averages calculated from the same dataset. Rankings reflect the city's position among all 745 Census-designated places in Michigan. For official data, visit data.census.gov.
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Frequently Asked Questions
What is the population of Otsego city, Michigan?
Otsego city, Michigan has a population of 4,079 according to the most recent U.S. Census ACS 5-Year Estimates.
What is the median household income in Otsego city, MI?
The median household income in Otsego city is $76,944, which is 2% lower the national median of $78,538.
What is the poverty rate in Otsego city, MI?
The poverty rate in Otsego city is 3.4%. This means approximately 138 residents live below the federal poverty line.
What is the racial makeup of Otsego city, Michigan?
Otsego city's population is 73.7% White, 0.2% Black, 6.7% Hispanic/Latino, and 0.3% Asian.
What is the median home value in Otsego city, MI?
The median home value in Otsego city is $155,500. The home-value-to-income ratio is 2.0x.
How educated is Otsego city, Michigan?
13.1% of adults (25+) in Otsego city hold a bachelor's degree or higher, and 4.4% hold a graduate or professional degree.