Genesee County, Michigan: commercial real estate data.
Genesee County, Michigan had an estimated 402,279 residents on July 1, 2024, down 1.0 percent since the 2020 census base of 406,220, across 637 square miles. County output reached $20.16 bn in 2024, 7,733 establishments operate here, and the SBA record carries 607 7(a) approvals worth $202.4 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Genesee County
How many people live in Genesee County
- Population, American Community Survey 2020-2024403,305
- Households167,334
- Average household size2.41
- Median household income$62,281
- Median age40.6
- Median gross rent$989 per month
- Median owner-occupied home value$182,400
- Home value to household income2.9 times
- Annual rent as a share of median income19.1 percent
- Adults 25 and over with a bachelor degree or higher23.3 percent
- Adults 25 and over with a graduate degree8.0 percent
- Adults 25 and over280,648
- Population under 1889,589
- Share under 1822.2 percent
- Population 65 and over75,735
- Share 65 and over18.8 percent
- Working age population, 18 to 64237,981
- Civilian labor force189,612
- Unemployment rate8.1 percent
- Labor force participation, adults 18 and over60.4 percent
- Rank by population among Michigan counties5th of 83
- Rank by population among US county-equivalents, Puerto Rico included184th of 3,222
Genesee County is the 5th largest of 83 Michigan 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 22.2 percent against 18.8 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Genesee County
Is Genesee County's population growing?
- Population, July 1, 2024402,279
- Census 2020 base population406,220
- Population change since the 2020 census base-0.97 percent
- Population change, 2023 to 2024568
- Births, 20244,228
- Deaths, 20244,998
- Natural change, 2024-770
- Net domestic migration, 2024280
- Net international migration, 20241,058
- Total net migration, 20241,338
- Cumulative net domestic migration, 2021 to 2024-1,810
- Rank by growth among US county-equivalents2178th of 3,144
The county has lost 0.97 percent of its population since the 2020 census base. Deaths exceeded births in 2024 and the population still grew, so all of the growth came from people moving in. A market held up by migration is more sensitive to a change in relative cost than one growing from household formation.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Genesee County
Where are people moving to Genesee County from?
- Tax returns filed by households arriving7,587
- People arriving, from those returns12,759
- Tax returns filed by households leaving8,199
- Net household movement-612
- Adjusted gross income arriving$417.5 m
- Net adjusted gross income movement$-78.2 m
- Average income of an arriving household$55,023
- Average income of a leaving household$60,456
- Largest single originOakland County (1,565 households)
- Largest single destinationOakland County (1,270 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Oakland County | 1,565 | 2,633 | $106.0 m |
| Livingston County | 499 | 853 | $32.3 m |
| Lapeer County | 469 | 773 | $21.3 m |
| Wayne County | 379 | 618 | $20.1 m |
| Saginaw County | 342 | 542 | $12.6 m |
| Macomb County | 335 | 572 | $21.6 m |
| Shiawassee County | 289 | 490 | $12.6 m |
| Tuscola County | 195 | 328 | $7.4 m |
Households arriving report $5,433 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is Oakland 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.
Genesee County
What is the Genesee County economy?
- County GDP, 2024$20.16 bn
- County GDP, 2023$19.35 bn
- GDP change, 2023 to 20244.2 percent
- GDP change over five years25.2 percent
- Rank by GDP among the Michigan areas BEA publishes9th of 83
- Rank by GDP among the US county areas BEA publishes259th of 3,127
- GDP per resident$49,986
Output grew 4.2 percent in the latest year and 25.2 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.
Genesee County
Employment by industry in Genesee County
- Covered employment, annual average133,787
- Establishments reporting7,296
- Average annual pay$55,798
- Average weekly wage$1,073
- Health care and social assistance, employment23,203
- Health care and social assistance, average annual pay$65,712
- Retail trade, employment17,957
- Retail trade, average annual pay$40,450
- Manufacturing, employment13,485
- Manufacturing, average annual pay$75,316
- Accommodation and food services, employment13,246
- Accommodation and food services, average annual pay$21,873
- Administrative and support and waste management services, employment10,721
- Wholesale trade, employment6,480
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 23,203 | 1,129 | $65,712 |
| Retail trade | 17,957 | 1,160 | $40,450 |
| Manufacturing | 13,485 | 308 | $75,316 |
| Accommodation and food services | 13,246 | 648 | $21,873 |
| Administrative and support and waste management services | 10,721 | 416 | $38,337 |
| Wholesale trade | 6,480 | 276 | $70,316 |
| Construction | 6,477 | 656 | $79,898 |
| Professional, scientific and technical services | 5,055 | 654 | $64,896 |
Health care and social assistance is the largest private sector at 23,203 jobs, 17.3 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Genesee County
How many businesses are in Genesee County?
- Establishments, all industries7,733
- Employment at those establishments121,033
- Annual payroll$6.15 bn
- Establishments per 1,000 residents19.2
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.
Genesee County
Building permits in Genesee County
- Housing units authorized by permit, 2024420
- Declared construction value permitted$121.7 m
- Single family units authorized339
- Multifamily units authorized81
- Multifamily share of units19.3 percent
- Average declared value per unit$289,769
- Units authorized per 1,000 households2.5
Single-family homes are 80.7 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Genesee County
SBA loans in Genesee County (7(a) and 504)
- 7(a) approvals recorded607
- 7(a) gross approval dollars$202.4 m
- Average 7(a) approval$333,508
- Median 7(a) approval$105,000
- 10th percentile approval$25,000
- 90th percentile approval$775,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)6,103
- Jobs per approval10.1
- Distinct 7(a) lenders active65
- Distinct industries receiving approvals200
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer16.8 percent
- Loans on real estate terms102
- Loans on working capital terms, 120 months or shorter483
- Franchise loans46
- Franchise share of approvals7.6 percent
- Leading industry by approval countFull-Service Restaurants (41)
- Most active lenderThe Huntington National Bank (308)
- 504 approvals recorded98
- 504 gross approval dollars$54.9 m
- Average 504 approval$560,347
- Median 504 approval$377,500
- Distinct CDCs active4
- 504 jobs per approval16.3
- 504 jobs per million dollars approved29.0
- Most active CDCMichigan Certified Development Corporation (81)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$257.4 m
The average approval of $333,508 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 16.8 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.
Genesee County
SBA loan default and charge-off rates in Genesee County
Do SBA loans in Genesee County get paid back?
- Loans with a final outcome recorded121
- Paid in full105
- Charged off16
- Charge-off rate on resolved loans13.2 percent
- Status: Paid in full105
- Status: Exempt from disclosure392
- Status: Cancelled60
- Status: Charged off16
- Status: Committed, not yet disbursed34
Of the 121 loans that have reached a final outcome, 13.2 percent were charged off. This is computed only over resolved loans, because a loan still running has not yet succeeded or failed and counting it either way would be wrong.
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.
Genesee County
SBA lending by place in Genesee County
- Borrower cities with recorded lending22
- Flint, approvals191
- Grand Blanc, approvals86
- Fenton, approvals75
- Burton, approvals43
- Davison, approvals37
- Linden, approvals29
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Flint | 191 | $54,929,400 |
| Grand Blanc | 86 | $30,957,000 |
| Fenton | 75 | $44,646,800 |
| Burton | 43 | $16,321,400 |
| Davison | 37 | $6,723,200 |
| Linden | 29 | $7,437,800 |
| Flushing | 27 | $4,624,200 |
| Mount Morris | 24 | $4,177,200 |
| 14 other borrower cities | 95 | $32,622,300 |
Flint accounts for 191 approvals against 86 in Grand Blanc. 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.
Genesee County
How large is Genesee County?
- Land area637 sq mi
- Rank by land area among Michigan counties33rd of 83
- Width, east to west24.2 mi
- Height, north to south30.5 mi
- Geographies sharing a boundary6
- Residents per square mile of land633
- Establishments per square mile12.14
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.
Genesee County
Flood risk in Genesee County
- Communities in the county in the NFIP Community Status Book29
- Of those, participating in the NFIP29
- NFIP participation rate100.0 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 9
- Communities carrying a CRS class1
- Radon levels in Genesee County, EPA zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
The EPA places Genesee County in radon zone 2, a predicted average indoor radon screening level from 2 to 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 9, which carries a flood insurance premium discount for policies written in that community. 100.0 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 Genesee 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 Genesee County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-2024403,305
- Households167,334
- Average household size2.41
- Median household income$62,281
- Median age40.6
Common questions
Genesee County questions, answered from the record.
How many people live in Genesee County, Michigan?
The Census Bureau estimates 402,279 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 403,305, in 167,334 households, ranking 5th of 83 Michigan counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Genesee County's population growing?
The population has fallen 0.97 percent since the 2020 census base of 406,220, to 402,279 on July 1, 2024. In 2024 there were 4,228 births against 4,998 deaths, with net migration of 1,338. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Genesee County?
$62,281. The median owner-occupied home is valued at $182,400, which is 2.9 times income, and median gross rent is $989 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Genesee County?
7,733 establishments, employing 121,033 people with an annual payroll of $6.15 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 Genesee County?
Health care and social assistance is the largest private sector at 23,203 jobs, 17.3 percent of covered employment. Covered employment averages 133,787 jobs at an average annual pay of $55,798, or $1,073 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Genesee County?
607 7(a) approvals totaling $202.4 m since FY2020, across 65 lenders, with a median approval of $105,000, plus 98 504 approvals worth $54.9 m since FY2010. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Genesee County get paid back?
Of the 121 loans that have reached a final outcome, 105 were paid in full and 16 charged off, a charge-off rate of 13.2 percent. Loans still running are excluded, because they have not yet succeeded or failed.
How many building permits were issued in Genesee County?
420 housing units were authorized by permit in 2024, with a declared construction value of $121.7 m. Multifamily was 19.3 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Genesee County?
Zone 2, a predicted average indoor radon screening level from 2 to 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 Genesee County come from?
The largest single origin is Oakland County, with 1,565 households. Arriving households report an average income of $55,023 against $60,456 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Genesee 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 Genesee 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.
Genesee County
Cities and places in Genesee.
19 Census places lie wholly or partly in Genesee County. All 19 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 |
|---|---|---|---|---|
| Flint | city | 80,175 | 191 | Wholly in this county |
| Burton | city | 29,500 | 43 | Wholly in this county |
| Fenton | city | 11,906 | 75 | Wholly in this county |
| Beecher | CDP | 8,412 | None recorded | Wholly in this county |
| Flushing | city | 8,284 | 27 | Wholly in this county |
| Grand Blanc | city | 7,987 | 86 | Wholly in this county |
| Lake Fenton | CDP | 6,417 | None recorded | Wholly in this county |
| Swartz Creek | city | 5,853 | 23 | Wholly in this county |
| Davison | city | 5,076 | 37 | Wholly in this county |
| Linden | city | 4,160 | 29 | Wholly in this county |
| Mount Morris | city | 3,117 | 24 | Wholly in this county |
| Argentine | CDP | 2,190 | None recorded | Wholly in this county |
| Clio | city | 2,185 | 23 | Wholly in this county |
| Montrose | city | 2,027 | 9 | Wholly in this county |
| Goodrich | village | 2,022 | 15 | Wholly in this county |
| Otisville | village | 988 | 4 | Wholly in this county |
| Gaines | village | 552 | 6 | Wholly in this county |
| Lennon | village | 465 | None recorded | 26.1 percent here, 73.9 percent Shiawassee County |
| Otter Lake | village | 379 | None recorded | 43.6 percent here, 56.4 percent Lapeer County |
A further 15 of the county's 607 SBA 7(a) approvals are to borrowers in cities that match no Census place in Genesee County, the largest being Holly (6), Burtonn (2), Byron (2). 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