Macomb County, Michigan: commercial real estate data.
Macomb County, Michigan had an estimated 886,175 residents on July 1, 2024, up 0.6 percent since the 2020 census base of 881,233, across 479 square miles. County output reached $54.18 bn in 2024, 19,593 establishments operate here, and the SBA record carries 1,517 7(a) approvals worth $495.3 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Macomb County
How many people live in Macomb County
- Population, American Community Survey 2020-2024879,853
- Households358,668
- Average household size2.45
- Median household income$77,837
- Median age41.3
- Median gross rent$1,211 per month
- Median owner-occupied home value$243,900
- Home value to household income3.1 times
- Annual rent as a share of median income18.7 percent
- Adults 25 and over with a bachelor degree or higher27.7 percent
- Adults 25 and over with a graduate degree9.6 percent
- Adults 25 and over629,501
- Population under 18181,649
- Share under 1820.6 percent
- Population 65 and over160,868
- Share 65 and over18.3 percent
- Working age population, 18 to 64537,336
- Civilian labor force459,271
- Unemployment rate5.7 percent
- Labor force participation, adults 18 and over65.8 percent
- Rank by population among Michigan counties3rd of 83
- Rank by population among US county-equivalents, Puerto Rico included66th of 3,222
Macomb County is the 3rd largest of 83 Michigan counties by population. A median home costs 3.1 times median household income, which is moderately unaffordable by national standards. Residents under 18 outnumber those 65 and over, at 20.6 percent against 18.3 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Macomb County
Is Macomb County's population growing?
- Population, July 1, 2024886,175
- Census 2020 base population881,233
- Population change since the 2020 census base0.56 percent
- Population change, 2023 to 20246,904
- Births, 20248,466
- Deaths, 20248,761
- Natural change, 2024-295
- Net domestic migration, 20241,588
- Net international migration, 20245,651
- Total net migration, 20247,239
- Cumulative net domestic migration, 2021 to 2024-3,349
- Rank by growth among US county-equivalents1625th of 3,144
The county has grown 0.56 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.
Macomb County
Where are people moving to Macomb County from?
- Tax returns filed by households arriving17,940
- People arriving, from those returns30,631
- Tax returns filed by households leaving18,709
- Net household movement-769
- Adjusted gross income arriving$975.8 m
- Net adjusted gross income movement$-335.4 m
- Average income of an arriving household$54,393
- Average income of a leaving household$70,085
- Largest single originWayne County (5,371 households)
- Largest single destinationOakland County (5,338 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Wayne County | 5,371 | 10,124 | $230.5 m |
| Oakland County | 5,315 | 8,438 | $329.4 m |
| St. Clair County | 963 | 1,565 | $48.3 m |
| Genesee County | 265 | 401 | $12.8 m |
| Lapeer County | 262 | 437 | $17.1 m |
| Washtenaw County | 187 | 250 | $10.9 m |
| Maricopa County | 134 | 229 | $10.3 m |
| Ingham County | 121 | 171 | $5.9 m |
Households arriving report $15,692 less average income than households leaving, which drains spending power even where headcount holds up. 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.
Macomb County
What is the Macomb County economy?
- County GDP, 2024$54.18 bn
- County GDP, 2023$52.35 bn
- GDP change, 2023 to 20243.5 percent
- GDP change over five years35.6 percent
- Rank by GDP among the Michigan areas BEA publishes4th of 83
- Rank by GDP among the US county areas BEA publishes109th of 3,127
- GDP per resident$61,575
Output grew 3.5 percent in the latest year and 35.6 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.
Macomb County
Employment by industry in Macomb County
- Covered employment, annual average336,295
- Establishments reporting19,678
- Average annual pay$71,046
- Average weekly wage$1,366
- Manufacturing, employment63,562
- Manufacturing, average annual pay$84,856
- Health care and social assistance, employment43,428
- Health care and social assistance, average annual pay$56,939
- Retail trade, employment40,456
- Retail trade, average annual pay$42,720
- Professional, scientific and technical services, employment30,840
- Professional, scientific and technical services, average annual pay$129,262
- Accommodation and food services, employment28,154
- Construction, employment17,630
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 63,562 | 1,628 | $84,856 |
| Health care and social assistance | 43,428 | 2,437 | $56,939 |
| Retail trade | 40,456 | 2,507 | $42,720 |
| Professional, scientific and technical services | 30,840 | 1,676 | $129,262 |
| Accommodation and food services | 28,154 | 1,648 | $24,799 |
| Construction | 17,630 | 2,080 | $83,549 |
| Administrative and support and waste management services | 14,731 | 1,172 | $56,519 |
| Transportation and warehousing | 13,767 | 912 | $65,932 |
Manufacturing is the largest private sector at 63,562 jobs, 18.9 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Macomb County
How many businesses are in Macomb County?
- Establishments, all industries19,593
- Employment at those establishments328,741
- Annual payroll$20.37 bn
- Establishments per 1,000 residents22.3
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.
Macomb County
Building permits in Macomb County
- Housing units authorized by permit, 20241,317
- Declared construction value permitted$526.3 m
- Single family units authorized1,080
- Multifamily units authorized237
- Multifamily share of units18.0 percent
- Average declared value per unit$399,596
- Units authorized per 1,000 households3.7
Single-family homes are 82.0 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Macomb County
SBA loans in Macomb County (7(a) and 504)
- 7(a) approvals recorded1,517
- 7(a) gross approval dollars$495.3 m
- Average 7(a) approval$326,480
- Median 7(a) approval$100,000
- 10th percentile approval$25,000
- 90th percentile approval$850,800
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)10,930
- Jobs per approval7.2
- Distinct 7(a) lenders active82
- Distinct industries receiving approvals290
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer9.2 percent
- Loans on real estate terms140
- Loans on working capital terms, 120 months or shorter1,323
- Franchise loans100
- Franchise share of approvals6.6 percent
- Leading industry by approval countGeneral Freight Trucking, Long-Distance, Truckload (215)
- Most active lenderThe Huntington National Bank (883)
- 504 approvals recorded247
- 504 gross approval dollars$152.1 m
- Average 504 approval$615,676
- Median 504 approval$424,000
- Distinct CDCs active6
- 504 jobs per approval14.1
- 504 jobs per million dollars approved22.9
- Most active CDCMichigan Certified Development Corporation (155)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$647.3 m
The average approval of $326,480 sits well above the median of $100,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 9.2 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.
Macomb County
SBA loan default and charge-off rates in Macomb County
Do SBA loans in Macomb County get paid back?
- Loans with a final outcome recorded330
- Paid in full321
- Charged off9
- Charge-off rate on resolved loans2.7 percent
- Status: Exempt from disclosure922
- Status: Paid in full321
- Status: Cancelled178
- Status: Charged off9
- Status: Committed, not yet disbursed87
| NAICS | Industry | Resolved loans | Charged off | Charge off rate |
|---|---|---|---|---|
| 484121 | General Freight Trucking, Long-Distance, Truckload | 80 | 1 | 1.3% |
| 484110 | General Freight Trucking, Local | 37 | 1 | 2.7% |
Of the 330 loans that have reached a final outcome, 2.7 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. Among industries with at least 30 resolved loans, General Freight Trucking, Local carries the highest charge-off rate at 2.7 percent.
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.
Macomb County
SBA lending by place in Macomb County
- Borrower cities with recorded lending49
- Sterling Heights, approvals250
- Clinton Township, approvals181
- Warren, approvals174
- Macomb, approvals149
- Shelby Township, approvals138
- St. Clair Shores, approvals74
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Sterling Heights | 250 | $71,543,100 |
| Clinton Township | 181 | $63,688,300 |
| Warren | 174 | $79,438,900 |
| Macomb | 149 | $25,676,300 |
| Shelby Township | 138 | $54,478,300 |
| St. Clair Shores | 74 | $25,715,400 |
| Roseville | 69 | $34,908,100 |
| Chesterfield | 64 | $14,574,800 |
| 41 other borrower cities | 418 | $125,247,700 |
Sterling Heights accounts for 250 approvals against 181 in Clinton Township. 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.
Macomb County
How large is Macomb County?
- Land area479 sq mi
- Rank by land area among Michigan counties75th of 83
- Width, east to west20.1 mi
- Height, north to south31.1 mi
- Geographies sharing a boundary4
- Residents per square mile of land1,837
- Establishments per square mile40.90
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.
Macomb County
Flood risk in Macomb County
- Communities in the county in the NFIP Community Status Book25
- Of those, participating in the NFIP24
- NFIP participation rate96.0 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 7
- Communities carrying a CRS class2
- Radon levels in Macomb County, EPA zone predicted average indoor radon screening level less than 2 pCi/LZone 3
The EPA places Macomb 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. The best Community Rating System class among the county's communities is 7, which carries a flood insurance premium discount for policies written in that community. 96.0 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 Macomb 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 Macomb County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-2024879,853
- Households358,668
- Average household size2.45
- Median household income$77,837
- Median age41.3
Common questions
Macomb County questions, answered from the record.
How many people live in Macomb County, Michigan?
The Census Bureau estimates 886,175 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 879,853, in 358,668 households, ranking 3rd of 83 Michigan counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Macomb County's population growing?
The population has grown 0.56 percent since the 2020 census base of 881,233, to 886,175 on July 1, 2024. In 2024 there were 8,466 births against 8,761 deaths, with net migration of 7,239. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Macomb County?
$77,837. The median owner-occupied home is valued at $243,900, which is 3.1 times income, and median gross rent is $1,211 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Macomb County?
19,593 establishments, employing 328,741 people with an annual payroll of $20.37 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 Macomb County?
Manufacturing is the largest private sector at 63,562 jobs, 18.9 percent of covered employment. Covered employment averages 336,295 jobs at an average annual pay of $71,046, or $1,366 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Macomb County?
1,517 7(a) approvals totaling $495.3 m since FY2020, across 82 lenders, with a median approval of $100,000, plus 247 504 approvals worth $152.1 m since FY2010. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Macomb County get paid back?
Of the 330 loans that have reached a final outcome, 321 were paid in full and 9 charged off, a charge-off rate of 2.7 percent. Loans still running are excluded, because they have not yet succeeded or failed.
How many building permits were issued in Macomb County?
1,317 housing units were authorized by permit in 2024, with a declared construction value of $526.3 m. Multifamily was 18.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Macomb 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 Macomb County come from?
The largest single origin is Wayne County, with 5,371 households. Arriving households report an average income of $54,393 against $70,085 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Macomb 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 Macomb 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.
Macomb County
Cities and places in Macomb.
16 Census places lie wholly or partly in Macomb County. All 16 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 |
|---|---|---|---|---|
| Warren | city | 137,928 | 174 | Wholly in this county |
| Sterling Heights | city | 133,573 | 250 | Wholly in this county |
| St. Clair Shores | city | 58,140 | 74 | Wholly in this county |
| Roseville | city | 47,123 | 69 | Wholly in this county |
| Eastpointe | city | 33,982 | 40 | Wholly in this county |
| Mount Clemens | city | 15,511 | 44 | Wholly in this county |
| Fraser | city | 14,583 | 25 | Wholly in this county |
| New Baltimore | city | 12,072 | 25 | Wholly in this county |
| Center Line | city | 8,463 | 9 | Wholly in this county |
| New Haven | village | 6,475 | 7 | Wholly in this county |
| Richmond | city | 5,855 | 18 | 91.5 percent here, 8.5 percent St. Clair County |
| Utica | city | 5,180 | 39 | Wholly in this county |
| Romeo | village | 3,578 | 17 | Wholly in this county |
| Village of Grosse Pointe Shores | city | 2,795 | None recorded | 13.0 percent here, 87.0 percent Wayne County |
| Armada | village | 1,994 | 4 | Wholly in this county |
| Memphis | city | 1,064 | None recorded | 55.3 percent here, 44.7 percent St. Clair County |
A further 722 of the county's 1,517 SBA 7(a) approvals are to borrowers in cities that match no Census place in Macomb County, the largest being Clinton Township (181), Macomb (149), Shelby Township (138). 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