Mackinac County, Michigan: commercial real estate data.
Mackinac County, Michigan had an estimated 11,144 residents on July 1, 2024, up 3.0 percent since the 2020 census base of 10,824, across 1,022 square miles. County output reached $692.9 m in 2024, 451 establishments operate here, and the SBA record carries 11 7(a) approvals worth $10.7 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Mackinac County
How many people live in Mackinac County
- Population, American Community Survey 2020-202410,957
- Households5,199
- Average household size2.11
- Median household income$63,909
- Median age53.0
- Median gross rent$760 per month
- Median owner-occupied home value$174,500
- Home value to household income2.7 times
- Annual rent as a share of median income14.3 percent
- Adults 25 and over with a bachelor degree or higher25.0 percent
- Adults 25 and over with a graduate degree9.3 percent
- Adults 25 and over8,686
- Population under 181,641
- Share under 1815.0 percent
- Population 65 and over3,255
- Share 65 and over29.7 percent
- Working age population, 18 to 646,061
- Civilian labor force4,855
- Unemployment rate8.0 percent
- Labor force participation, adults 18 and over52.1 percent
- Rank by population among Michigan counties74th of 83
- Rank by population among US county-equivalents, Puerto Rico included2419th of 3,222
Mackinac County is the 74th largest of 83 Michigan counties by population. A median home costs 2.7 times median household income, which is affordable by national standards. Residents 65 and over outnumber those under 18, at 29.7 percent against 15.0 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.
Mackinac County
Is Mackinac County's population growing?
- Population, July 1, 202411,144
- Census 2020 base population10,824
- Population change since the 2020 census base2.96 percent
- Population change, 2023 to 2024202
- Births, 202488
- Deaths, 2024171
- Natural change, 2024-83
- Net domestic migration, 2024164
- Net international migration, 2024123
- Total net migration, 2024287
- Cumulative net domestic migration, 2021 to 2024414
- Rank by growth among US county-equivalents880th of 3,144
The county has grown 2.96 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.
Mackinac County
Where are people moving to Mackinac County from?
- Tax returns filed by households arriving403
- People arriving, from those returns664
- Tax returns filed by households leaving401
- Net household movement2
- Adjusted gross income arriving$42.5 m
- Net adjusted gross income movement$19.6 m
- Average income of an arriving household$105,362
- Average income of a leaving household$57,120
- Largest single originChippewa County (40 households)
- Largest single destinationChippewa County (62 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Chippewa County | 40 | 58 | $1.4 m |
Households arriving report $48,242 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 Chippewa 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.
Mackinac County
What is the Mackinac County economy?
- County GDP, 2024$692.9 m
- County GDP, 2023$649.9 m
- GDP change, 2023 to 20246.6 percent
- GDP change over five years62.0 percent
- Rank by GDP among the Michigan areas BEA publishes67th of 83
- Rank by GDP among the US county areas BEA publishes2150th of 3,127
- GDP per resident$63,238
Output grew 6.6 percent in the latest year and 62.0 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.
Mackinac County
Employment by industry in Mackinac County
- Covered employment, annual average4,836
- Establishments reporting502
- Average annual pay$48,728
- Average weekly wage$937
- Accommodation and food services, employment1,566
- Accommodation and food services, average annual pay$44,814
- Retail trade, employment470
- Retail trade, average annual pay$38,330
- Health care and social assistance, employment398
- Health care and social assistance, average annual pay$67,520
- Transportation and warehousing, employment259
- Transportation and warehousing, average annual pay$53,027
- Construction, employment232
- Other services, except public administration, employment144
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Accommodation and food services | 1,566 | 114 | $44,814 |
| Retail trade | 470 | 76 | $38,330 |
| Health care and social assistance | 398 | 18 | $67,520 |
| Transportation and warehousing | 259 | 21 | $53,027 |
| Construction | 232 | 60 | $50,176 |
| Other services, except public administration | 144 | 21 | $30,381 |
| Manufacturing | 108 | 13 | $58,106 |
| Finance and insurance | 81 | 20 | $66,285 |
Accommodation and food services is the largest private sector at 1,566 jobs, 32.4 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Mackinac County
How many businesses are in Mackinac County?
- Establishments, all industries451
- Employment at those establishments2,342
- Annual payroll$173.1 m
- Establishments per 1,000 residents41.2
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.
Mackinac County
Building permits in Mackinac County
- Housing units authorized by permit, 202442
- Declared construction value permitted$9.0 m
- Single family units authorized42
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$214,571
- Units authorized per 1,000 households8.1
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.
Mackinac County
SBA loans in Mackinac County (7(a) and 504)
- 7(a) approvals recorded11
- 7(a) gross approval dollars$10.7 m
- Average 7(a) approval$971,709
- Median 7(a) approval$850,000
- Largest single approval$2,450,000
- Jobs reported supported, 7(a)131
- Jobs per approval11.9
- Distinct 7(a) lenders active7
- Distinct industries receiving approvals9
- Median 7(a) term156 months
- Share of loans on real estate terms, 240 months or longer36.4 percent
- Loans on real estate terms4
- Loans on working capital terms, 120 months or shorter5
- Franchise loans3
- Franchise share of approvals27.3 percent
- 504 approvals recorded9
- 504 gross approval dollars$12.1 m
- Average 504 approval$1,341,222
- Median 504 approval$611,000
- Distinct CDCs active1
- 504 jobs per approval14.3
- 504 jobs per million dollars approved10.7
- Most active CDCMichigan Certified Development Corporation (9)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$22.8 m
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.
Mackinac County
SBA loan default and charge-off rates in Mackinac County
Do SBA loans in Mackinac County get paid back?
- Loans with a final outcome recorded1
- Paid in full1
- Charged off0
- Status: Exempt from disclosure8
- Status: Paid in full1
- Status: Cancelled2
Only 1 loan has 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.
Mackinac County
SBA lending by place in Mackinac County
- Borrower cities with recorded lending2
- St. Ignace, approvals7
- Cedarville, approvals4
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| St. Ignace | 7 | $8,755,000 |
| Cedarville | 4 | $1,933,800 |
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Mackinac County
How large is Mackinac County?
- Land area1,022 sq mi
- Rank by land area among Michigan counties9th of 83
- Width, east to west84.2 mi
- Height, north to south36.2 mi
- Geographies sharing a boundary3
- Residents per square mile of land11
- Establishments per square mile0.44
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.
Mackinac County
Flood risk in Mackinac County
- Communities in the county in the NFIP Community Status Book12
- Of those, participating in the NFIP11
- NFIP participation rate91.7 percent
- Communities carrying a CRS class0
- Radon levels in Mackinac County, EPA zone predicted average indoor radon screening level less than 2 pCi/LZone 3
The EPA places Mackinac 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. 91.7 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 Mackinac 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 Mackinac County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202410,957
- Households5,199
- Average household size2.11
- Median household income$63,909
- Median age53.0
Common questions
Mackinac County questions, answered from the record.
How many people live in Mackinac County, Michigan?
The Census Bureau estimates 11,144 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 10,957, in 5,199 households, ranking 74th of 83 Michigan counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Mackinac County's population growing?
The population has grown 2.96 percent since the 2020 census base of 10,824, to 11,144 on July 1, 2024. In 2024 there were 88 births against 171 deaths, with net migration of 287. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Mackinac County?
$63,909. The median owner-occupied home is valued at $174,500, which is 2.7 times income, and median gross rent is $760 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Mackinac County?
451 establishments, employing 2,342 people with an annual payroll of $173.1 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 Mackinac County?
Accommodation and food services is the largest private sector at 1,566 jobs, 32.4 percent of covered employment. Covered employment averages 4,836 jobs at an average annual pay of $48,728, or $937 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Mackinac County?
11 7(a) approvals totaling $10.7 m since FY2020, across 7 lenders, with a median approval of $850,000, plus 9 504 approvals worth $12.1 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Mackinac County?
42 housing units were authorized by permit in 2024, with a declared construction value of $9.0 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Mackinac 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 Mackinac County come from?
The largest single origin is Chippewa County, with 40 households. Arriving households report an average income of $105,362 against $57,120 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Mackinac 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 Mackinac 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.
Mackinac County
Cities and places in Mackinac.
3 Census places lie wholly or partly in Mackinac County. All 3 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 |
|---|---|---|---|---|
| St. Ignace | city | 2,463 | 7 | Wholly in this county |
| Mackinac Island | city | 561 | None recorded | Wholly in this county |
| Naubinway | CDP | 103 | None recorded | Wholly in this county |
A further 4 of the county's 11 SBA 7(a) approvals are to borrowers in cities that match no Census place in Mackinac County, the largest being Cedarville (4). 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