Iosco County, Michigan: commercial real estate data.
Iosco County, Michigan had an estimated 25,361 residents on July 1, 2024, up 0.5 percent since the 2020 census base of 25,230, across 549 square miles. County output reached $1.26 bn in 2024, 623 establishments operate here, and the SBA record carries 24 7(a) approvals worth $7.9 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Iosco County
How many people live in Iosco County
- Population, American Community Survey 2020-202425,347
- Households11,713
- Average household size2.16
- Median household income$50,066
- Median age53.5
- Median gross rent$719 per month
- Median owner-occupied home value$142,200
- Home value to household income2.8 times
- Annual rent as a share of median income17.2 percent
- Adults 25 and over with a bachelor degree or higher19.3 percent
- Adults 25 and over with a graduate degree7.7 percent
- Adults 25 and over19,566
- Population under 184,308
- Share under 1817.0 percent
- Population 65 and over7,872
- Share 65 and over31.1 percent
- Working age population, 18 to 6413,167
- Civilian labor force10,329
- Unemployment rate6.5 percent
- Labor force participation, adults 18 and over49.1 percent
- Rank by population among Michigan counties58th of 83
- Rank by population among US county-equivalents, Puerto Rico included1645th of 3,222
Iosco County is the 58th largest of 83 Michigan counties by population. A median home costs 2.8 times median household income, which is affordable by national standards. Residents 65 and over outnumber those under 18, at 31.1 percent against 17.0 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.
Iosco County
Is Iosco County's population growing?
- Population, July 1, 202425,361
- Census 2020 base population25,230
- Population change since the 2020 census base0.52 percent
- Population change, 2023 to 20240
- Births, 2024169
- Deaths, 2024460
- Natural change, 2024-291
- Net domestic migration, 2024249
- Net international migration, 202447
- Total net migration, 2024296
- Cumulative net domestic migration, 2021 to 20241,253
- Rank by growth among US county-equivalents1648th of 3,144
The county has grown 0.52 percent since the 2020 census base.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Iosco County
Where are people moving to Iosco County from?
- Tax returns filed by households arriving872
- People arriving, from those returns1,537
- Tax returns filed by households leaving728
- Net household movement144
- Adjusted gross income arriving$52.3 m
- Net adjusted gross income movement$16.1 m
- Average income of an arriving household$59,958
- Average income of a leaving household$49,745
- Largest single originWayne County (64 households)
- Largest single destinationAlcona County (60 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Wayne County | 64 | 121 | $3.9 m |
| Oakland County | 60 | 107 | $5.8 m |
| Genesee County | 58 | 88 | $3.0 m |
| Alcona County | 57 | 99 | $2.4 m |
| Ogemaw County | 44 | 77 | $1.8 m |
| Arenac County | 38 | 78 | $1.6 m |
| Macomb County | 38 | 76 | $2.3 m |
| Saginaw County | 28 | 42 | $1.6 m |
Households arriving report $10,213 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 Wayne 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.
Iosco County
What is the Iosco County economy?
- County GDP, 2024$1.26 bn
- County GDP, 2023$1.22 bn
- GDP change, 2023 to 20243.5 percent
- GDP change over five years35.1 percent
- Rank by GDP among the Michigan areas BEA publishes54th of 83
- Rank by GDP among the US county areas BEA publishes1651st of 3,127
- GDP per resident$49,907
Output grew 3.5 percent in the latest year and 35.1 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.
Iosco County
Employment by industry in Iosco County
- Covered employment, annual average7,724
- Establishments reporting621
- Average annual pay$59,332
- Average weekly wage$1,141
- Transportation and warehousing, employment1,422
- Transportation and warehousing, average annual pay$105,934
- Retail trade, employment1,057
- Retail trade, average annual pay$34,544
- Manufacturing, employment1,006
- Manufacturing, average annual pay$75,318
- Accommodation and food services, employment681
- Accommodation and food services, average annual pay$18,064
- Construction, employment322
- Other services, except public administration, employment230
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Transportation and warehousing | 1,422 | 16 | $105,934 |
| Retail trade | 1,057 | 95 | $34,544 |
| Manufacturing | 1,006 | 30 | $75,318 |
| Accommodation and food services | 681 | 75 | $18,064 |
| Construction | 322 | 88 | $61,136 |
| Other services, except public administration | 230 | 62 | $27,955 |
| Administrative and support and waste management services | 191 | 33 | $38,940 |
| Finance and insurance | 175 | 30 | $74,152 |
Transportation and warehousing is the largest private sector at 1,422 jobs, 18.4 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Iosco County
How many businesses are in Iosco County?
- Establishments, all industries623
- Employment at those establishments6,756
- Annual payroll$317.5 m
- Establishments per 1,000 residents24.6
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.
Iosco County
Building permits in Iosco County
- Housing units authorized by permit, 202458
- Declared construction value permitted$17.1 m
- Single family units authorized54
- Multifamily units authorized4
- Multifamily share of units6.9 percent
- Average declared value per unit$294,745
- Units authorized per 1,000 households5.0
Single-family homes are 93.1 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Iosco County
SBA loans in Iosco County (7(a) and 504)
- 7(a) approvals recorded24
- 7(a) gross approval dollars$7.9 m
- Average 7(a) approval$329,238
- Median 7(a) approval$77,500
- 10th percentile approval$20,000
- 90th percentile approval$1,129,500
- Largest single approval$1,727,500
- Jobs reported supported, 7(a)137
- Jobs per approval5.7
- Distinct 7(a) lenders active7
- Distinct industries receiving approvals17
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer16.7 percent
- Loans on real estate terms4
- Loans on working capital terms, 120 months or shorter20
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countMobile Food Services (4)
- Most active lenderThe Huntington National Bank (17)
- 504 approvals recorded2
- 504 gross approval dollars$513,000
- Average 504 approval$256,500
- Median 504 approval$256,500
- Distinct CDCs active1
- 504 jobs per approval4.5
- 504 jobs per million dollars approved17.5
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$8.4 m
The average approval of $329,238 sits well above the median of $77,500, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 16.7 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.
Iosco County
SBA loan default and charge-off rates in Iosco County
Do SBA loans in Iosco County get paid back?
- Loans with a final outcome recorded0
- Paid in full0
- Charged off0
- Status: Exempt from disclosure19
- Status: Cancelled5
Only 0 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.
Iosco County
SBA lending by place in Iosco County
- Borrower cities with recorded lending5
- Oscoda, approvals11
- Hale, approvals7
- Tawas City, approvals3
- East Tawas, approvals2
- Whittemore, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Oscoda | 11 | $5,338,500 |
| Hale | 7 | $2,115,500 |
| Tawas City | 3 | $247,700 |
| East Tawas | 2 | $150,000 |
| Whittemore | 1 | $50,000 |
Oscoda accounts for 11 approvals against 7 in Hale. 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.
Iosco County
How large is Iosco County?
- Land area549 sq mi
- Rank by land area among Michigan counties59th of 83
- Width, east to west28.2 mi
- Height, north to south24.2 mi
- Geographies sharing a boundary3
- Residents per square mile of land46
- Establishments per square mile1.13
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.
Iosco County
Flood risk in Iosco County
- Communities in the county in the NFIP Community Status Book8
- Of those, participating in the NFIP7
- NFIP participation rate87.5 percent
- Communities carrying a CRS class0
- Radon levels in Iosco County, EPA zone predicted average indoor radon screening level less than 2 pCi/LZone 3
The EPA places Iosco 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. 87.5 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 Iosco 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 Iosco County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202425,347
- Households11,713
- Average household size2.16
- Median household income$50,066
- Median age53.5
Common questions
Iosco County questions, answered from the record.
How many people live in Iosco County, Michigan?
The Census Bureau estimates 25,361 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 25,347, in 11,713 households, ranking 58th of 83 Michigan counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Iosco County's population growing?
The population has grown 0.52 percent since the 2020 census base of 25,230, to 25,361 on July 1, 2024. In 2024 there were 169 births against 460 deaths, with net migration of 296. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Iosco County?
$50,066. The median owner-occupied home is valued at $142,200, which is 2.8 times income, and median gross rent is $719 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Iosco County?
623 establishments, employing 6,756 people with an annual payroll of $317.5 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 Iosco County?
Transportation and warehousing is the largest private sector at 1,422 jobs, 18.4 percent of covered employment. Covered employment averages 7,724 jobs at an average annual pay of $59,332, or $1,141 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Iosco County?
24 7(a) approvals totaling $7.9 m since FY2020, across 7 lenders, with a median approval of $77,500, plus 2 504 approvals worth $513,000 since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Iosco County?
58 housing units were authorized by permit in 2024, with a declared construction value of $17.1 m. Multifamily was 6.9 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Iosco 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 Iosco County come from?
The largest single origin is Wayne County, with 64 households. Arriving households report an average income of $59,958 against $49,745 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Iosco 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 Iosco 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.
Iosco County
Cities and places in Iosco.
6 Census places lie wholly or partly in Iosco County. All 6 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 |
|---|---|---|---|---|
| East Tawas | city | 2,675 | 2 | Wholly in this county |
| Au Sable | CDP | 1,643 | None recorded | Wholly in this county |
| Tawas City | city | 1,614 | 3 | Wholly in this county |
| Sand Lake | CDP | 1,348 | None recorded | Wholly in this county |
| Oscoda | CDP | 654 | 11 | Wholly in this county |
| Whittemore | city | 492 | 1 | Wholly in this county |
A further 7 of the county's 24 SBA 7(a) approvals are to borrowers in cities that match no Census place in Iosco County, the largest being Hale (7). 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.
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