Gladwin County, Michigan: commercial real estate data.
Gladwin County, Michigan had an estimated 25,995 residents on July 1, 2024, up 2.4 percent since the 2020 census base of 25,378, across 502 square miles. County output reached $698.6 m in 2024, 433 establishments operate here, and the SBA record carries 26 7(a) approvals worth $8.1 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Gladwin County
How many people live in Gladwin County
- Population, American Community Survey 2020-202425,693
- Households11,280
- Average household size2.28
- Median household income$55,349
- Median age50.7
- Median gross rent$690 per month
- Median owner-occupied home value$162,300
- Home value to household income2.9 times
- Annual rent as a share of median income15.0 percent
- Adults 25 and over with a bachelor degree or higher16.9 percent
- Adults 25 and over with a graduate degree5.8 percent
- Adults 25 and over19,280
- Population under 184,852
- Share under 1818.9 percent
- Population 65 and over7,019
- Share 65 and over27.3 percent
- Working age population, 18 to 6413,822
- Civilian labor force10,161
- Unemployment rate6.8 percent
- Labor force participation, adults 18 and over48.8 percent
- Rank by population among Michigan counties55th of 83
- Rank by population among US county-equivalents, Puerto Rico included1628th of 3,222
Gladwin County is the 55th largest of 83 Michigan counties by population. A median home costs 2.9 times median household income, which is affordable by national standards. Residents 65 and over outnumber those under 18, at 27.3 percent against 18.9 percent, which points demand at health care, services and single story product rather than schools.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Gladwin County
Is Gladwin County's population growing?
- Population, July 1, 202425,995
- Census 2020 base population25,378
- Population change since the 2020 census base2.43 percent
- Population change, 2023 to 202436
- Births, 2024232
- Deaths, 2024405
- Natural change, 2024-173
- Net domestic migration, 2024187
- Net international migration, 202422
- Total net migration, 2024209
- Cumulative net domestic migration, 2021 to 20241,372
- Rank by growth among US county-equivalents1028th of 3,144
The county has grown 2.43 percent 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.
Gladwin County
Where are people moving to Gladwin County from?
- Tax returns filed by households arriving863
- People arriving, from those returns1,576
- Tax returns filed by households leaving724
- Net household movement139
- Adjusted gross income arriving$56.2 m
- Net adjusted gross income movement$15.4 m
- Average income of an arriving household$65,119
- Average income of a leaving household$56,341
- Largest single originMidland County (115 households)
- Largest single destinationMidland County (134 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Midland County | 115 | 218 | $6.8 m |
| Clare County | 72 | 130 | $2.6 m |
| Oakland County | 59 | 106 | $6.4 m |
| Wayne County | 57 | 99 | $4.7 m |
| Bay County | 55 | 98 | $2.3 m |
| Saginaw County | 42 | 76 | $2.1 m |
| Genesee County | 31 | 47 | $2.6 m |
| Macomb County | 31 | 63 | $2.0 m |
Households arriving report $8,778 more average income than households leaving, so the migration is raising local spending power rather than just moving it around. The largest single source of arrivals is Midland 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.
Gladwin County
What is the Gladwin County economy?
- County GDP, 2024$698.6 m
- County GDP, 2023$630.2 m
- GDP change, 2023 to 202410.9 percent
- GDP change over five years35.4 percent
- Rank by GDP among the Michigan areas BEA publishes66th of 83
- Rank by GDP among the US county areas BEA publishes2141st of 3,127
- GDP per resident$27,189
Output grew 10.9 percent in the latest year and 35.4 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.
Gladwin County
Employment by industry in Gladwin County
- Covered employment, annual average4,593
- Establishments reporting462
- Average annual pay$48,143
- Average weekly wage$926
- Manufacturing, employment940
- Manufacturing, average annual pay$71,485
- Retail trade, employment555
- Retail trade, average annual pay$32,456
- Health care and social assistance, employment466
- Health care and social assistance, average annual pay$43,932
- Accommodation and food services, employment465
- Accommodation and food services, average annual pay$16,748
- Construction, employment453
- Other services, except public administration, employment304
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 940 | 31 | $71,485 |
| Retail trade | 555 | 80 | $32,456 |
| Health care and social assistance | 466 | 50 | $43,932 |
| Accommodation and food services | 465 | 40 | $16,748 |
| Construction | 453 | 67 | $60,478 |
| Other services, except public administration | 304 | 45 | $31,279 |
| Administrative and support and waste management services | 129 | 14 | $56,917 |
| Real estate and rental and leasing | 113 | 13 | $47,682 |
Manufacturing is the largest private sector at 940 jobs, 20.5 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Gladwin County
How many businesses are in Gladwin County?
- Establishments, all industries433
- Employment at those establishments4,882
- Annual payroll$214.2 m
- Establishments per 1,000 residents16.9
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.
Gladwin County
Building permits in Gladwin County
- Housing units authorized by permit, 202490
- Declared construction value permitted$21.4 m
- Single family units authorized90
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$237,744
- Units authorized per 1,000 households8.0
Single-family homes are 100.0 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Gladwin County
SBA loans in Gladwin County (7(a) and 504)
- 7(a) approvals recorded26
- 7(a) gross approval dollars$8.1 m
- Average 7(a) approval$312,265
- Median 7(a) approval$90,600
- 10th percentile approval$24,000
- 90th percentile approval$642,800
- Largest single approval$2,811,000
- Jobs reported supported, 7(a)131
- Jobs per approval5.0
- Distinct 7(a) lenders active5
- Distinct industries receiving approvals19
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer19.2 percent
- Loans on real estate terms5
- Loans on working capital terms, 120 months or shorter18
- Franchise loans2
- Franchise share of approvals7.7 percent
- Most active lenderThe Huntington National Bank (22)
- 504 approvals recorded3
- 504 gross approval dollars$1.2 m
- Average 504 approval$389,667
- Median 504 approval$283,000
- Distinct CDCs active1
- 504 jobs per approval11.7
- 504 jobs per million dollars approved29.9
- Most active CDCMichigan Certified Development Corporation (3)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$9.3 m
The average approval of $312,265 sits well above the median of $90,600, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 19.2 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.
Gladwin County
SBA loan default and charge-off rates in Gladwin County
Do SBA loans in Gladwin County get paid back?
- Loans with a final outcome recorded2
- Paid in full2
- Charged off0
- Status: Paid in full2
- Status: Exempt from disclosure22
- Status: Committed, not yet disbursed2
Only 2 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.
Gladwin County
SBA lending by place in Gladwin County
- Borrower cities with recorded lending4
- Gladwin, approvals14
- Beaverton, approvals10
- Alger, approvals1
- Rhodes, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Gladwin | 14 | $2,131,200 |
| Beaverton | 10 | $5,741,600 |
| Alger | 1 | $220,000 |
| Rhodes | 1 | $26,100 |
Gladwin accounts for 14 approvals against 10 in Beaverton. 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.
Gladwin County
How large is Gladwin County?
- Land area502 sq mi
- Rank by land area among Michigan counties70th of 83
- Width, east to west22 mi
- Height, north to south23.9 mi
- Geographies sharing a boundary6
- Residents per square mile of land51
- Establishments per square mile0.86
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.
Gladwin County
Flood risk in Gladwin County
- Communities in the county in the NFIP Community Status Book15
- Of those, participating in the NFIP13
- NFIP participation rate86.7 percent
- Communities carrying a CRS class0
- Radon levels in Gladwin County, EPA zone predicted average indoor radon screening level less than 2 pCi/LZone 3
The EPA places Gladwin County in radon zone 3, a predicted average indoor radon screening level less than 2 pCi/L. The zone is a screening prediction for the county and does not substitute for a test at an address. 86.7 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 Gladwin 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 Gladwin County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202425,693
- Households11,280
- Average household size2.28
- Median household income$55,349
- Median age50.7
Common questions
Gladwin County questions, answered from the record.
How many people live in Gladwin County, Michigan?
The Census Bureau estimates 25,995 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 25,693, in 11,280 households, ranking 55th of 83 Michigan counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Gladwin County's population growing?
The population has grown 2.43 percent since the 2020 census base of 25,378, to 25,995 on July 1, 2024. In 2024 there were 232 births against 405 deaths, with net migration of 209. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Gladwin County?
$55,349. The median owner-occupied home is valued at $162,300, which is 2.9 times income, and median gross rent is $690 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Gladwin County?
433 establishments, employing 4,882 people with an annual payroll of $214.2 m. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is employment by industry in Gladwin County?
Manufacturing is the largest private sector at 940 jobs, 20.5 percent of covered employment. Covered employment averages 4,593 jobs at an average annual pay of $48,143, or $926 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Gladwin County?
26 7(a) approvals totaling $8.1 m since FY2020, across 5 lenders, with a median approval of $90,600, plus 3 504 approvals worth $1.2 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Gladwin County?
90 housing units were authorized by permit in 2024, with a declared construction value of $21.4 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Gladwin County?
Zone 3, a predicted average indoor radon screening level less than 2 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Gladwin County come from?
The largest single origin is Midland County, with 115 households. Arriving households report an average income of $65,119 against $56,341 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Gladwin 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 Gladwin 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.
Gladwin County
Cities and places in Gladwin.
2 Census places lie wholly or partly in Gladwin County. All 2 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 |
|---|---|---|---|---|
| Gladwin | city | 3,098 | 14 | Wholly in this county |
| Beaverton | city | 1,061 | 10 | Wholly in this county |
A further 2 of the county's 26 SBA 7(a) approvals are to borrowers in cities that match no Census place in Gladwin County, the largest being Alger (1), Rhodes (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