HomeIndianaKosciusko CountyWinona Lake
Winona Lake, Indiana: commercial real estate data.
Winona Lake is a Census town of 5,080 people across 2.95 square miles of land, in Kosciusko County. Median household income is $82,188, 61.6 percent of occupied homes are owned, and the SBA record carries 4 7(a) approvals to borrowers here worth $958,000 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Winona Lake
What Winona Lake is
- Census place typetown
- Land area2.95 sq mi
- Water area0.49 sq mi
- Population per square mile of land1,722
- County holding the largest share of its areaKosciusko County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Winona Lake
How many people live in Winona Lake
- Population5,080
- Median age28.9
- Population under 18811 plus or minus 240
- Share under 1816.0 percent plus or minus 4.7
- Population 65 and over788 plus or minus 167
- Share 65 and over15.5 percent plus or minus 3.3
- Households1,820
- Family households1,269
- Share of households that are families69.7 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Winona Lake
Income and work in Winona Lake
- Median household income$82,188 plus or minus $30,182
- Per capita income$46,578
- Civilian labor force3,044
- Employed3,002
- Unemployed42 plus or minus 49
- Unemployment rate1.4 percent plus or minus 1.6
- Adults 25 and over3,041
- Adults 25 and over with a high school diploma or higher91.7 percent
- Adults 25 and over with a bachelor degree or higher50.6 percent plus or minus 13.0
- Adults 25 and over with a graduate degree13.7 percent plus or minus 4.6
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Winona Lake
Housing in Winona Lake
- Housing units2,039
- Occupied units1,820
- Vacant units219 plus or minus 130
- Vacancy rate10.7 percent plus or minus 6.3
- Owner occupied1,122
- Renter occupied698 plus or minus 165
- Ownership rate61.6 percent
- Median owner-occupied home value$274,500
- Median gross rent, monthly$1,132
- Annual rent as a share of median income16.5 percent plus or minus 6.8
- Single family units1,550
- Share single family76.0 percent
- Units in buildings of two or more465 plus or minus 146
- Share in buildings of two or more22.8 percent plus or minus 6.9
- Mobile homes24 plus or minus 37
- Median year structure built1979
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Winona Lake
How Winona Lake gets to work
- Workers 16 and over who commute2,654
- Commuting under 15 minutes1,644
- Share commuting under 15 minutes61.9 percent
- Commuting 30 minutes or more345 plus or minus 159
- Share commuting 30 minutes or more13.0 percent plus or minus 5.9
- Drove alone75.2 percent
- Carpooled4.7 percent plus or minus 3.7
- Public transport0.0 percent
- Walked10.1 percent plus or minus 5.0
- Worked from home8.7 percent plus or minus 4.3
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Winona Lake
SBA loans in Winona Lake (7(a))
- Approvals4
- Gross approval$958,000
- Average approval$239,500
- Median approval$126,500
- Largest approval$685,000
- Jobs supported13
- Jobs per approval3.3
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term105 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises0.0 percent
- Distinct lenders2
- Distinct industries by NAICS2
Counted by borrower city: approvals to borrowers whose address is in Winona Lake, in any county, FY2020 to FY2026. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Winona Lake
SBA loans in Winona Lake (504)
- Approvals1
- Gross approval$541,000
- Average approval$541,000
- Median approval$541,000
- Largest approval$541,000
- Jobs supported2
- Loans with a final outcome0
- Charged off0
- Median term300 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Winona Lake, in any county, FY2010 to FY2026. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Winona Lake
Flood risk in Winona Lake
- NFIP communityTown of Winona Lake
- NFIP community number180124
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date09/30/15
The Town of Winona Lake participates in the National Flood Insurance Program as community 180124 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Kosciusko County, not Winona Lake
Kosciusko County context, not Winona Lake figures
- Establishments in Kosciusko County2,039
- Covered employment, Kosciusko County36,183
- Average annual pay, Kosciusko County$58,899
- Housing units permitted, Kosciusko County261
Every figure in this section is published for Kosciusko County as a whole and is not a measurement of Winona Lake.
All Kosciusko County figures →
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, 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 →
Common questions
Winona Lake questions, answered from the record.
How many people live in Winona Lake, Indiana?
5,080, in 1,820 households. Winona Lake town covers 2.95 square miles of land, which is 1,722 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Winona Lake in?
Kosciusko County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Winona Lake?
$82,188. The median owner-occupied home is valued at $274,500. Median gross rent is $1,132 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Winona Lake businesses?
4 7(a) approvals totaling $958,000 since FY2020, across 2 lenders, median approval $126,500, plus 1 504 approvals worth $541,000 since FY2010. These count approvals to borrowers whose address is in Winona Lake, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Winona Lake borrowers get paid back?
No rate is published for Winona Lake. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Winona Lake in the National Flood Insurance Program?
Yes. Winona Lake appears in the FEMA Community Status Book as Winona Lake, town of, community 180124, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Winona Lake figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Kosciusko County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Winona Lake.
Is zoning published for Winona Lake?
No. Nothing on this page presents parcel level zoning.