Otsego, Michigan Demographics & Population 2026
During the 2020–2024 ACS period, Otsego, Michigan had a total population of 4,074, the 206th largest city in Michigan, with a median household income of $74,156, which is 2% higher than the state average. The poverty rate is 5.3%.
Data vintage: U.S. Census Bureau ACS 2020–2024 5-Year Estimates · refreshed July 2026 · Methodology & source notes
Key Takeaways
- Housing is very affordable with a home-value-to-income ratio of just 2.2x.
- Near full employment with an unemployment rate of just 2.3%.
Otsego Quick Facts
How Otsego Changed
Change from the 2019–2023 ACS period to 2020–2024. These are rolling five-year estimates, not year-over-year measurements.
| Metric | 2019–2023 | 2020–2024 | Change |
|---|---|---|---|
| Population | 4,079 | 4,074 | -0.1% |
| Median household income | $76,944 | $74,156 | -3.6% |
| Median home value | $155,500 | $160,500 | +3.2% |
How Otsego Compares
Median Household Income
Median Home Value
Economy & Housing
Household Income Distribution
Detailed income brackets
Employment
Housing Overview
People & Demographics
Age Distribution
Race & Ethnicity
Diversity Index
Moderate diversity with one or two groups making up the majority.
State average: 45 | National average: 61
Education
Educational Attainment (Adults 25+)
Otsego Rankings in Michigan
Explore Michigan Rankings
Other Cities in Allegan County
| City | Population | Median Income | Poverty | Home Value |
|---|---|---|---|---|
| Allegan | 5,172 | $52,925 | 13.9% | $176,600 |
| Wayland | 4,457 | $74,464 | 9.9% | $207,400 |
| South Haven | 3,998 | $68,239 | 15.8% | $454,100 |
| Plainwell | 3,763 | $66,525 | 10.4% | $220,500 |
| Dorr | 3,702 | $97,519 | 3.0% | $277,600 |
| Fennville | 1,623 | $59,167 | 24.9% | $150,400 |
| Douglas | 1,427 | $81,627 | 4.4% | $426,400 |
| Hopkins | 773 | $75,417 | 20.3% | $241,700 |
| Saugatuck | 766 | $121,178 | 11.0% | $650,800 |
| Martin | 579 | $60,357 | 5.0% | $176,000 |
Cities Similar to Otsego
These cities in the same state have comparable population and economic profiles.
| City | Population | Median Income | Home Value | Bachelor's+ | Poverty |
|---|---|---|---|---|---|
| Lowell | 4,139 | $72,875 | $228,400 | 29.7% | 4.5% |
| Vicksburg | 3,934 | $72,656 | $231,500 | 29.0% | 5.0% |
| Linden | 4,160 | $79,464 | $239,700 | 27.2% | 4.4% |
| Marine City | 4,028 | $67,683 | $159,800 | 18.4% | 7.6% |
| South Haven | 3,998 | $68,239 | $454,100 | 41.2% | 15.8% |
Population Overview
Otsego is a small community located in Michigan, within Allegan County. The total population is 4,074. It ranks as the 206th most populous out of 745 Census-designated places in Michigan.
Age Demographics
The median age in Otsego is 35.8 years. This is 11% lower than the state median of 40.2 years. With 28.5% of the population under 18, Otsego has a notably young demographic profile, suggesting a family-oriented community.
Economy, Income & Housing
The median household income in Otsego is $74,156. This is 2% higher than the state median of $72,875. It is also 8% lower than the national median of $80,734. The poverty rate stands at 5.3%. This is 60% lower than the state poverty rate of 13.2%. The unemployment rate is 2.3%. This is 59% lower than the state rate of 5.7%. The median home value is $160,500. Housing costs are 31% lower than the state median of $231,600. With a home-value-to-income ratio of just 2.2x, Otsego is one of the most affordable housing markets in the area. 73.0% of occupied housing units are owner-occupied.
Race & Ethnicity
The largest racial or ethnic group in Otsego is White (non-Hispanic), making up 73.8% of the population. Hispanic or Latino residents account for 6.2%. The Black or African American population (0.2%) is well below the state average of 13.1%. The Asian population (0.3%) is well below the state average of 3.4%.
Education
13.5% of residents aged 25 and older hold a bachelor's degree or higher. This is 58% lower than the state rate of 32.5%. Nationally, 35.7% of adults hold at least a bachelor's degree. The high school graduation rate (or equivalent) is 86.2%.
Data Sources & Methodology
All demographic data for Otsego, Michigan is sourced from the U.S. Census Bureau's American Community Survey (ACS) 2020–2024 5-Year Estimates. The ACS collects data from approximately 3.5 million households annually and pools five years of responses so that even small communities can be measured, though the margin of error widens as the population falls. 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. Read more about how these figures are produced on our methodology page, or visit data.census.gov for official data.
Free data download: Get all Michigan city and county demographics as CSV. Download Cities CSV | Download Counties CSV
Frequently Asked Questions
What is the population of Otsego, Michigan?
Otsego, Michigan has a population of 4,074 according to the most recent U.S. Census ACS 5-Year Estimates.
What is the median household income in Otsego, MI?
The median household income in Otsego is $74,156, which is 8% lower than the national median of $80,734.
What is the poverty rate in Otsego, MI?
The poverty rate in Otsego is 5.3%. This means approximately 216 residents live below the federal poverty line.
What is the racial makeup of Otsego, Michigan?
Otsego's population is 73.8% White, 0.2% Black, 6.2% Hispanic/Latino, and 0.3% Asian.
What is the median home value in Otsego, MI?
The median home value in Otsego is $160,500. The home-value-to-income ratio is 2.2x.
How educated is Otsego, Michigan?
13.5% of adults (25+) in Otsego hold a bachelor's degree or higher, and 4.8% hold a graduate or professional degree.