Kosciusko County, Indiana: commercial real estate data.
Kosciusko County, Indiana had an estimated 80,669 residents on July 1, 2024, up 0.5 percent since the 2020 census base of 80,250, across 531 square miles. County output reached $7.84 bn in 2024, 2,039 establishments operate here, and the SBA record carries 51 7(a) approvals worth $12.7 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Kosciusko County
How many people live in Kosciusko County
- Population, American Community Survey 2020-202480,442
- Households31,934
- Average household size2.52
- Median household income$75,317
- Median age39.1
- Median gross rent$1,043 per month
- Median owner-occupied home value$216,000
- Home value to household income2.9 times
- Annual rent as a share of median income16.6 percent
- Adults 25 and over with a bachelor degree or higher25.1 percent
- Adults 25 and over with a graduate degree8.4 percent
- Adults 25 and over54,244
- Population under 1818,929
- Share under 1823.5 percent
- Population 65 and over14,541
- Share 65 and over18.1 percent
- Working age population, 18 to 6446,972
- Civilian labor force41,423
- Unemployment rate2.8 percent
- Labor force participation, adults 18 and over67.3 percent
- Rank by population among Indiana counties22nd of 92
- Rank by population among US county-equivalents, Puerto Rico included724th of 3,222
Kosciusko County is the 22nd largest of 92 Indiana counties by population. A median home costs 2.9 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 23.5 percent against 18.1 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Kosciusko County
Is Kosciusko County's population growing?
- Population, July 1, 202480,669
- Census 2020 base population80,250
- Population change since the 2020 census base0.52 percent
- Population change, 2023 to 2024228
- Births, 2024929
- Deaths, 2024897
- Natural change, 202432
- Net domestic migration, 202434
- Net international migration, 2024162
- Total net migration, 2024196
- Cumulative net domestic migration, 2021 to 2024-142
- Rank by growth among US county-equivalents1646th of 3,144
The county has grown 0.52 percent since the 2020 census base. The population grew in 2024 from both sources: births exceeded deaths and more people moved in than left.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Kosciusko County
Where are people moving to Kosciusko County from?
- Tax returns filed by households arriving2,021
- People arriving, from those returns3,565
- Tax returns filed by households leaving1,989
- Net household movement32
- Adjusted gross income arriving$126.7 m
- Net adjusted gross income movement$-31.9 m
- Average income of an arriving household$62,700
- Average income of a leaving household$79,725
- Largest single originElkhart County (324 households)
- Largest single destinationElkhart County (270 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Elkhart County | 324 | 603 | $18.9 m |
| Allen County | 139 | 219 | $9.3 m |
| Marshall County | 113 | 205 | $5.9 m |
| Noble County | 102 | 195 | $5.3 m |
| Whitley County | 102 | 183 | $4.5 m |
| Fulton County | 84 | 157 | $3.9 m |
| Wabash County | 76 | 122 | $3.7 m |
| St. Joseph County | 61 | 110 | $5.0 m |
Households arriving report $17,025 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is Elkhart County, which is the catchment a retail or multifamily study should look at first.
US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Kosciusko County
What is the Kosciusko County economy?
- County GDP, 2024$7.84 bn
- County GDP, 2023$7.58 bn
- GDP change, 2023 to 20243.3 percent
- GDP change over five years27.0 percent
- Rank by GDP among the Indiana areas BEA publishes15th of 92
- Rank by GDP among the US county areas BEA publishes535th of 3,127
- GDP per resident$97,406
Output grew 3.3 percent in the latest year and 27.0 percent over five, which is the trend line a lender will read behind any single year figure.
US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024.
Kosciusko County
Employment by industry in Kosciusko County
- Covered employment, annual average36,183
- Establishments reporting2,157
- Average annual pay$58,899
- Average weekly wage$1,133
- Manufacturing, employment12,688
- Manufacturing, average annual pay$78,612
- Retail trade, employment3,595
- Retail trade, average annual pay$32,826
- Health care and social assistance, employment3,558
- Health care and social assistance, average annual pay$50,796
- Accommodation and food services, employment2,961
- Accommodation and food services, average annual pay$19,386
- Construction, employment1,790
- Wholesale trade, employment1,626
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 12,688 | 184 | $78,612 |
| Retail trade | 3,595 | 273 | $32,826 |
| Health care and social assistance | 3,558 | 174 | $50,796 |
| Accommodation and food services | 2,961 | 169 | $19,386 |
| Construction | 1,790 | 241 | $60,365 |
| Wholesale trade | 1,626 | 140 | $104,962 |
| Other services, except public administration | 1,430 | 170 | $43,828 |
| Administrative and support and waste management services | 1,344 | 142 | $45,664 |
Manufacturing is the largest private sector at 12,688 jobs, 35.1 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Kosciusko County
How many businesses are in Kosciusko County?
- Establishments, all industries2,039
- Employment at those establishments38,731
- Annual payroll$2.45 bn
- Establishments per 1,000 residents25.3
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against. County Business Patterns counts private establishments with paid employees in March 2023, while the Quarterly Census of Employment and Wages above counts every unemployment-insured employer, public ones included, as a 2024 annual average, so the two establishment and employment counts differ.
US Census Bureau, County Business Patterns, 2023.
Kosciusko County
Building permits in Kosciusko County
- Housing units authorized by permit, 2024261
- Declared construction value permitted$86.2 m
- Single family units authorized249
- Multifamily units authorized12
- Multifamily share of units4.6 percent
- Average declared value per unit$330,221
- Units authorized per 1,000 households8.2
Single-family homes are 95.4 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Kosciusko County
SBA loans in Kosciusko County (7(a) and 504)
- 7(a) approvals recorded51
- 7(a) gross approval dollars$12.7 m
- Average 7(a) approval$248,712
- Median 7(a) approval$105,000
- 10th percentile approval$20,000
- 90th percentile approval$461,100
- Largest single approval$2,560,000
- Jobs reported supported, 7(a)277
- Jobs per approval5.4
- Distinct 7(a) lenders active17
- Distinct industries receiving approvals32
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer7.8 percent
- Loans on real estate terms4
- Loans on working capital terms, 120 months or shorter43
- Franchise loans5
- Franchise share of approvals9.8 percent
- Leading industry by approval countFull-Service Restaurants (4)
- Most active lender1st Source Bank (20)
- 504 approvals recorded39
- 504 gross approval dollars$17.0 m
- Average 504 approval$435,128
- Median 504 approval$255,000
- Distinct CDCs active5
- 504 jobs per approval17.6
- 504 jobs per million dollars approved40.5
- Most active CDCBusiness Development Corporation (BDC) (21)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$29.7 m
The average approval of $248,712 sits well above the median of $105,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 7.8 percent of approvals run on real estate terms, so SBA credit here is mostly working capital and equipment rather than property acquisition.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30. US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Kosciusko County
SBA loan default and charge-off rates in Kosciusko County
Do SBA loans in Kosciusko County get paid back?
- Loans with a final outcome recorded12
- Paid in full12
- Charged off0
- Status: Paid in full12
- Status: Cancelled3
- Status: Exempt from disclosure36
Only 12 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
Compare against the national and state SBA charge-off rates, computed the same way over resolved loans only.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Kosciusko County
SBA lending by place in Kosciusko County
- Borrower cities with recorded lending9
- Warsaw, approvals25
- Syracuse, approvals9
- Pierceton, approvals5
- Winona Lake, approvals4
- Mentone, approvals3
- Leesburg, approvals2
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Warsaw | 25 | $5,234,000 |
| Syracuse | 9 | $3,518,600 |
| Pierceton | 5 | $1,125,700 |
| Winona Lake | 4 | $958,000 |
| Mentone | 3 | $130,000 |
| Leesburg | 2 | $260,000 |
| North Webster | 1 | $1,420,000 |
| Indianaoplis | 1 | $25,000 |
| 1 other borrower city | 1 | $13,000 |
Warsaw accounts for 25 approvals against 9 in Syracuse. County level figures average over that gap, which is why a site decision is made at the submarket rather than the county.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Kosciusko County
How large is Kosciusko County?
- Land area531 sq mi
- Rank by land area among Indiana counties5th of 92
- Width, east to west22.2 mi
- Height, north to south27.2 mi
- Geographies sharing a boundary6
- Residents per square mile of land151
- Establishments per square mile3.84
US Census Bureau county boundary geometry, TIGER, adjacency computed from shared boundary vertices, TIGER county boundaries. US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year. US Census Bureau, County Business Patterns, 2023.
Kosciusko County
Flood risk in Kosciusko County
- Participation of the county's own NFIP community Kosciusko County, unincorporated areasParticipating, community 180121
- Community Rating System class of the county's own communityClass 8
- Communities in the county in the NFIP Community Status Book10
- Of those, participating in the NFIP9
- NFIP participation rate90.0 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 8
- Communities carrying a CRS class4
- Radon levels in Kosciusko County, EPA zone predicted average indoor radon screening level greater than 4 pCi/LZone 1
The county's own community in the status book, unincorporated Kosciusko County (community 180121), participates in the National Flood Insurance Program and carries Community Rating System class 8, a flood insurance premium discount for policies written there. The EPA places Kosciusko County in radon zone 1, a predicted average indoor radon screening level greater than 4 pCi/L. The zone is a screening prediction for the county and does not substitute for a test at an address. The best Community Rating System class among the county's communities is 8, which carries a flood insurance premium discount for policies written in that community. 90.0 percent of the county's listed communities participate in the National Flood Insurance Program, per Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26. US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Coverage
What this page does not hold.
Traffic counts, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Feasibility studies
When a Kosciusko County site needs a document a lender will accept.
The same data layer behind this page is the one the studies are written from. A study for a Kosciusko County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202480,442
- Households31,934
- Average household size2.52
- Median household income$75,317
- Median age39.1
Common questions
Kosciusko County questions, answered from the record.
How many people live in Kosciusko County, Indiana?
The Census Bureau estimates 80,669 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 80,442, in 31,934 households, ranking 22nd of 92 Indiana counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Kosciusko County's population growing?
The population has grown 0.52 percent since the 2020 census base of 80,250, to 80,669 on July 1, 2024. In 2024 there were 929 births against 897 deaths, with net migration of 196. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Kosciusko County?
$75,317. The median owner-occupied home is valued at $216,000, which is 2.9 times income, and median gross rent is $1,043 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Kosciusko County?
2,039 establishments, employing 38,731 people with an annual payroll of $2.45 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is employment by industry in Kosciusko County?
Manufacturing is the largest private sector at 12,688 jobs, 35.1 percent of covered employment. Covered employment averages 36,183 jobs at an average annual pay of $58,899, or $1,133 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Kosciusko County?
51 7(a) approvals totaling $12.7 m since FY2020, across 17 lenders, with a median approval of $105,000, plus 39 504 approvals worth $17.0 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Kosciusko County?
261 housing units were authorized by permit in 2024, with a declared construction value of $86.2 m. Multifamily was 4.6 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Kosciusko County?
Zone 1, a predicted average indoor radon screening level greater than 4 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Kosciusko County come from?
The largest single origin is Elkhart County, with 324 households. Arriving households report an average income of $62,700 against $79,725 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Kosciusko County on this page?
No. Annual average daily traffic resolves in the platform rather than in this dataset, so no AADT figure is printed here. It is a gap we know about rather than a figure we estimated.
Is zoning published for Kosciusko County?
No. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame, to be confirmed locally.
Kosciusko County
Cities and places in Kosciusko.
21 Census places lie wholly or partly in Kosciusko County. All 21 carry enough published place level data for a page of their own and are linked.
| Place | Type | Population | SBA 7(a) approvals, projects in this county | Lies in |
|---|---|---|---|---|
| Warsaw | city | 16,768 | 25 | Wholly in this county |
| Nappanee | city | 6,815 | None recorded | 6.4 percent here, 93.6 percent Elkhart County |
| Winona Lake | town | 5,080 | 4 | Wholly in this county |
| Syracuse | town | 3,233 | 9 | 96.3 percent here, 3.7 percent Elkhart County |
| Milford | town | 1,661 | None recorded | Wholly in this county |
| Barbee | CDP | 1,464 | None recorded | Wholly in this county |
| Pierceton | town | 1,451 | 5 | Wholly in this county |
| Palestine | CDP | 1,085 | None recorded | Wholly in this county |
| Enchanted Hills | CDP | 1,039 | None recorded | Wholly in this county |
| North Webster | town | 866 | 1 | Wholly in this county |
| Silver Lake | town | 857 | 1 | Wholly in this county |
| Mentone | town | 768 | 3 | Wholly in this county |
| Leesburg | town | 652 | 2 | Wholly in this county |
| Etna Green | town | 441 | None recorded | Wholly in this county |
| Hoffman Lake | CDP | 382 | None recorded | Wholly in this county |
| Claypool | town | 318 | None recorded | Wholly in this county |
| Oswego | CDP | 283 | None recorded | Wholly in this county |
| Burket | town | 203 | None recorded | Wholly in this county |
| Beaver Dam | CDP | 143 | None recorded | Wholly in this county |
| Sidney | town | 123 | None recorded | Wholly in this county |
| Wooster | CDP | 70 | None recorded | Wholly in this county |
A further 1 of the county's 51 SBA 7(a) approvals are to borrowers in cities that match no Census place in Kosciusko County, the largest being Indianaoplis (1). Those are postal cities, unincorporated areas and cities outside the county, so no place row claims them; they are counted in the county total above.
Nearby