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Home/Neighborhoods/Newaygo County/White Cloud
City1272.8 acres

White Cloud

Solid value in a growing area

Published by Atlas — Grand Rapids Real Estate · data computed by Atlas · reviewed under Jon Hazeltine, Broker Associate (MI #6502432782)
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The quick answer

White Cloud is a city, part of White Cloud Public Schools. Homes here typically sell for around $195,000.

Jump to:Is it a good place to live?·What it costs to live here·How safe is it?

2 homes for sale·Median $195K·Walkability 2.4/10·Schools 4.0/10

🌳Top 4% park access
🏙️41 mito Downtown GR(~1h 22m drive)
🏞️41 mito Lake Michigan(~1h 22m drive)

The best light here comes in early morning, when the White River—the thing that put this place on the map in the first place—catches the sun before the day gets loud. You're looking at a genuine small town on the banks of a river that's famous for brown trout, which means the water draws people year-round, and the town itself has learned to build around that fact rather than in spite of it. There's a commercial park expanding at the edges, the kind of slow growth that doesn't announce itself, and a library and fairgrounds that anchor the downtown blocks. Homes here run around $247K, and while that tells you something about the market, what matters more is that you're dealing with actual space—the city spreads across two square miles—and the kind of access to water and trails that bigger places have to manufacture. The Birch Grove Trail cuts through Manistee National Forest about twenty minutes from downtown and loops ten miles through varied terrain; the river itself is calm enough for beginners in kayaks and canoes but strong enough to hold the attention of people who know what they're doing. White Cloud Public Schools serves the district, and there's enough here—a disc golf course, Maike's Pizzeria, local pizza spots that have their regulars, the Raceway Park—that you're not watching the clock between one thing and the next. It's the kind of place you find on purpose, not by accident.

View all homes for sale in White Cloud, MI →

Why people love it here

💰Home Values

$55K median household income

  • $195K median · 11 sales in last 12mo
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Conventional Mortgage Calculator

Median home price in White Cloud

Estimated Monthly Payment

$1,324/mo

$
$39,000
20%
%
Principal & Interest $1,01276%
Property Tax (est.)
$
18%
Insurance (est.)
$
5%

Property tax and insurance are estimates you can edit — not a quote. Tap either figure to enter your own.

Get Pre-Approved with Guild Mortgage
Jon Hazeltine

Guild Mortgage

Loan officer: Jon Hazeltine · NMLS #2574218

Company NMLS #3274 · Licensed in MI

The interest rate shown is not an annual percentage rate (APR). Rate displayed is the current average 30-year fixed rate from the Freddie Mac Primary Mortgage Market Survey and is subject to change without notice. Your actual rate, payment, and costs may vary. Contact a loan officer for a personalized quote.

Guild Mortgage NMLS #3274. Equal Housing Opportunity. NMLS Consumer Access. Not a commitment to lend. All loans subject to underwriter approval; terms and conditions may apply. Subject to change without notice. Always consult an accountant or tax advisor for full eligibility requirements on tax deduction.

11 homes sold in White Cloud this year. Thinking of selling?

See what your home is worth

Median Income

$55K

Household

Median Sale Price

$195K

11 sales in last 12mo

Expected Rent

$1,000/mo

$925 – $1,075 · estimated range

4.0
/10 avg
Average schools

Based on 3 rated schools nearby

Range: 3/10 to 5/10

School District: White Cloud Public Schools

5White Cloud Elementary SchoolElementary · K-05 · 414 students · 17:1 · 0.6 mi
4White Cloud High SchoolHigh · 09-12 · 294 students · 24:1 · 0.6 mi
3White Cloud Junior High SchoolMiddle · 06-08 · 227 students · 16:1 · 0.5 mi

Walkability

2.4

Limited

Overall walkability score out of 10

🛒Daily Errands— Grocery, pharmacy
0.0
🍽️Dining— Restaurants, cafes, bars
0.6
🌳Nature— Parks, trails
5.5
🚌Transit— Bus stops, stations
0.0
💪Fitness— Gyms, recreation
0.0

Based on actual walk/bike/drive times to nearby amenities via Mapbox

🍺Bars & Breweries
Bikeable

Shamrock

8 minbike· 21 min walk· 2 min drive
🌳Parks
Walkable

Smith Park

12 minwalk· 5 min bike· 2 min drive
Mill Pond Park
12 minwalk
Rotary Park
12 minwalk
Park in Village Of Morgan Area
13 minwalk

+1 more

🛝Playgrounds
Walkable

Playground in Village Of Morgan Area

11 minwalk· 5 min bike· 2 min drive
🏞️Lakes & Water
Quick drive

Pearl Lake

9 mindrive
Hoyt Lake
11 mindrive
Alley Lake
7 mindrive
Cucumber Lake
14 mindrive
🏖️Beaches
Walkable

Beach in Village Of Morgan Area

12 minwalk· 5 min bike· 2 min drive
Beach in Bingham Ave & Federal Forest Road 9552 Area
11 mindrive
Beach in Van Auken's White River No.2 Area
15 mindrive
🥾Hiking Trails
Quick drive

North Country Trail Spur

6 mindrive· 28 min walk· 13 min bike
North Country National Scenic Trail
7 mindrive
Full White Cloud crime & safety report →

To buy a median-priced White Cloud home (around $195,000) at today's 6.66% 30-year fixed rate with 20% down, you'd need roughly $33k/year in household income to qualify — an estimated monthly payment of $1,238 (principal, interest, property tax, and insurance).

The typical White Cloud household earns $55,417 — above what the median home requires. At that income, a buyer can afford roughly $348,000 with 20% down.

Down paymentMonthly paymentIncome needed
20% $1,238/mo$33,013
10% (+PMI)$1,436/mo$38,305
5% (+PMI)$1,503/mo$40,084

Estimates use a 6.66% 30-year fixed rate (current Freddie Mac average), an aggressive ~45% housing-to-income ratio (roughly what FHA underwriting can allow for a buyer with no other monthly debts — your number depends on your debts and credit), this area's median sale price and median property taxes, plus estimated insurance and PMI below 20% down. Not a commitment to lend, and not an APR — your actual rate and payment will vary.

Full White Cloud cost-of-living breakdown →

Land for sale

Listings

3 parcels

Active / pending

Typical Land Value

$47K/acre

Median asking

Median Price

$75K

Per listing

Local Government

City of White Cloud

231-689-1194citymanager@cityofwhitecloud.orgWebsite

Source: cityofwhitecloud.org · unconfirmed

Association and local-government details are compiled from public records, municipal sites, and state registries, and can change. Confirm directly with the association or municipality before relying on them.

Solar potential

~$913/yr in electricity from a typical rooftop solar system

Produces ~6,390 kWh/yr · offsets ~61% of a typical home's use

Water

City of White Cloud DPW

City DPW water; Water Asset Management Plan; billing via treasurer.

Sewerunconfirmed

City of White Cloud DPW

City sewer via DPW.

Trashunconfirmed

Resident-arranged / city-contracted hauler

Trash hauler not confirmed on homepage.

Electricvaries by address

Consumers Energy Co|Great Lakes Energy Coop · ~14.3¢/kWh

Regional IOU; rural pockets Great Lakes Energy cooperative.

Confirm by address
Natural Gasvaries by address

SEMCO Energy Gas

SEMCO serves much of Newaygo County.

Confirm by address
Police

White Cloud Police Department

City PD at 12 N Charles St; Chief Jon Patterson.

Fire

White Cloud Fire Department

City fire dept; Fire Chief Joe Stratton.

Source: cityofwhitecloud.org

Utility, solar, and service details for White Cloud are compiled from public records, municipal sites, and NREL / U.S. data.gov, and can change. Electric/gas can vary by address — confirm with the provider before relying on them.

Median Income

$55K

Home Value (Census)

$151K

Expected Rent

$1,000/mo

$925 – $1,075 · estimated range

Flood Risk

None

Not in flood zone

Nearest Park

Unnamed park

0.4 mi

Parks Nearby

30

within 1 mile

🍺 Bars(1)

Shamrock

Bar

1.0 mimap

🏫 Schools(1)

Bigelow School

4.0 mimap

🌳 Parks(5)

Park

0.4 mimap

Unnamed park

0.4 mimap

Park in Village Of Morgan Area

0.4 mimap

+2 more within 5 miles

GR

Atlas — Grand Rapids Real Estate

Local real estate specialists

Questions about White Cloud? Our team can help with availability, schools, and what it's really like to live here.

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Living in White Cloud: the details

Is White Cloud a good place to live?

Here is what the data shows about living in White Cloud. For getting around, it is mostly a drive-first area, so you will use a car for groceries, dining and errands. This city is part of White Cloud Public Schools. Expect prices centered around $195,000.

What does it cost to live in White Cloud?

The median home value in White Cloud is about $195,000. There are 2 homes for sale here right now and 11 homes sold here in the past year.

Frequently asked about White Cloud

What do homes cost in White Cloud?
The median home value in White Cloud is about $195,000. Individual prices vary by street, size, and condition.
How active is the White Cloud housing market?
there are 2 homes for sale in White Cloud right now, and 11 homes sold here in the last 12 months. Listings refresh throughout the day from the MichRIC MLS.
What schools serve White Cloud?
White Cloud is served by White Cloud Public Schools. Its highest-rated assigned school is White Cloud Elementary School (5/10).
Is White Cloud walkable?
White Cloud scores 2.4/10 for walkability — a measure of walking, biking, and driving access to groceries, dining, parks, schools, and transit.

Top contributors in White Cloud

Data sources: listings, schools · Updated 8/2/2026
GR

Atlas — Grand Rapids Real Estate

Local real estate specialists

Questions about White Cloud? Our team can help.

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Conventional Mortgage Calculator

Median in White Cloud

Estimated Monthly Payment

$1,324/mo

$
$39,000
20%
%
Principal & Interest $1,01276%
Property Tax (est.)
$
18%
Insurance (est.)
$
5%

Property tax and insurance are estimates you can edit — not a quote. Tap either figure to enter your own.

Get Pre-Approved with Guild Mortgage
Jon Hazeltine

Guild Mortgage

Loan officer: Jon Hazeltine · NMLS #2574218

Company NMLS #3274 · Licensed in MI

The interest rate shown is not an annual percentage rate (APR). Rate displayed is the current average 30-year fixed rate from the Freddie Mac Primary Mortgage Market Survey and is subject to change without notice. Your actual rate, payment, and costs may vary. Contact a loan officer for a personalized quote.

Guild Mortgage NMLS #3274. Equal Housing Opportunity. NMLS Consumer Access. Not a commitment to lend. All loans subject to underwriter approval; terms and conditions may apply. Subject to change without notice. Always consult an accountant or tax advisor for full eligibility requirements on tax deduction.

Neighborhoods & Communities(3)

Cruzan's Add. Area
C

Cruzan's Add. Area

Village Of Morgan Area
V

Village Of Morgan Area

Washington Rd & Tulip Ave Area
W

Washington Rd & Tulip Ave Area

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