Midland County, Michigan: commercial real estate data.
Midland County, Michigan had an estimated 84,022 residents on July 1, 2024, up 0.6 percent since the 2020 census base of 83,497, across 516 square miles. County output reached $7.78 bn in 2024, 1,795 establishments operate here, and the SBA record carries 101 7(a) approvals worth $36.8 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Midland County
How many people live in Midland County
- Population, American Community Survey 2020-202483,757
- Households34,993
- Average household size2.39
- Median household income$77,705
- Median age41.8
- Median gross rent$1,016 per month
- Median owner-occupied home value$195,400
- Home value to household income2.5 times
- Annual rent as a share of median income15.7 percent
- Adults 25 and over with a bachelor degree or higher36.5 percent
- Adults 25 and over with a graduate degree14.7 percent
- Adults 25 and over59,935
- Population under 1817,545
- Share under 1820.9 percent
- Population 65 and over16,923
- Share 65 and over20.2 percent
- Working age population, 18 to 6449,289
- Civilian labor force40,590
- Unemployment rate4.4 percent
- Labor force participation, adults 18 and over61.3 percent
- Rank by population among Michigan counties24th of 83
- Rank by population among US county-equivalents, Puerto Rico included698th of 3,222
Midland County is the 24th largest of 83 Michigan counties by population. A median home costs 2.5 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 20.9 percent against 20.2 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Midland County
Is Midland County's population growing?
- Population, July 1, 202484,022
- Census 2020 base population83,497
- Population change since the 2020 census base0.63 percent
- Population change, 2023 to 202415
- Births, 2024801
- Deaths, 2024848
- Natural change, 2024-47
- Net domestic migration, 2024-154
- Net international migration, 2024216
- Total net migration, 202462
- Cumulative net domestic migration, 2021 to 2024380
- Rank by growth among US county-equivalents1609th of 3,144
The county has grown 0.63 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.
Midland County
Where are people moving to Midland County from?
- Tax returns filed by households arriving2,395
- People arriving, from those returns4,123
- Tax returns filed by households leaving2,370
- Net household movement25
- Adjusted gross income arriving$183.1 m
- Net adjusted gross income movement$-2.3 m
- Average income of an arriving household$76,469
- Average income of a leaving household$78,229
- Largest single originBay County (333 households)
- Largest single destinationBay County (329 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Bay County | 333 | 528 | $17.0 m |
| Saginaw County | 290 | 500 | $15.9 m |
| Isabella County | 169 | 277 | $7.1 m |
| Gladwin County | 134 | 249 | $7.4 m |
| Oakland County | 72 | 114 | $6.3 m |
| Clare County | 62 | 109 | $2.1 m |
| Genesee County | 59 | 92 | $2.8 m |
| Wayne County | 51 | 88 | $4.9 m |
Households arriving report $1,760 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is Bay 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.
Midland County
What is the Midland County economy?
- County GDP, 2024$7.78 bn
- County GDP, 2023$7.53 bn
- GDP change, 2023 to 20243.3 percent
- GDP change over five years31.6 percent
- Rank by GDP among the Michigan areas BEA publishes17th of 83
- Rank by GDP among the US county areas BEA publishes541st of 3,127
- GDP per resident$92,871
Output grew 3.3 percent in the latest year and 31.6 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.
Midland County
Employment by industry in Midland County
- Covered employment, annual average38,288
- Establishments reporting3,932
- Average annual pay$72,021
- Average weekly wage$1,385
- Health care and social assistance, employment8,647
- Health care and social assistance, average annual pay$48,642
- Manufacturing, employment4,610
- Manufacturing, average annual pay$96,831
- Management of companies and enterprises, employment3,834
- Management of companies and enterprises, average annual pay$181,506
- Retail trade, employment3,254
- Retail trade, average annual pay$36,341
- Administrative and support and waste management services, employment3,036
- Accommodation and food services, employment2,955
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 8,647 | 1,912 | $48,642 |
| Manufacturing | 4,610 | 82 | $96,831 |
| Management of companies and enterprises | 3,834 | 19 | $181,506 |
| Retail trade | 3,254 | 226 | $36,341 |
| Administrative and support and waste management services | 3,036 | 92 | $102,639 |
| Accommodation and food services | 2,955 | 146 | $22,605 |
| Construction | 2,209 | 202 | $69,463 |
| Other services, except public administration | 1,816 | 615 | $33,692 |
Health care and social assistance is the largest private sector at 8,647 jobs, 22.6 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Midland County
How many businesses are in Midland County?
- Establishments, all industries1,795
- Employment at those establishments37,324
- Annual payroll$2.75 bn
- Establishments per 1,000 residents21.4
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.
Midland County
Building permits in Midland County
- Housing units authorized by permit, 2024314
- Declared construction value permitted$74.8 m
- Single family units authorized104
- Multifamily units authorized210
- Multifamily share of units66.9 percent
- Average declared value per unit$238,215
- Units authorized per 1,000 households9.0
Multifamily is 66.9 percent of units authorized, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Midland County
SBA loans in Midland County (7(a) and 504)
- 7(a) approvals recorded101
- 7(a) gross approval dollars$36.8 m
- Average 7(a) approval$364,560
- Median 7(a) approval$150,000
- 10th percentile approval$25,000
- 90th percentile approval$924,100
- Largest single approval$4,950,000
- Jobs reported supported, 7(a)1,336
- Jobs per approval13.2
- Distinct 7(a) lenders active19
- Distinct industries receiving approvals56
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer8.9 percent
- Loans on real estate terms9
- Loans on working capital terms, 120 months or shorter83
- Franchise loans18
- Franchise share of approvals17.8 percent
- Leading industry by approval countFull-Service Restaurants (8)
- Most active lenderThe Huntington National Bank (44)
- 504 approvals recorded20
- 504 gross approval dollars$10.0 m
- Average 504 approval$498,450
- Median 504 approval$355,000
- Distinct CDCs active3
- 504 jobs per approval7.8
- 504 jobs per million dollars approved15.5
- Most active CDCMichigan Certified Development Corporation (18)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$46.8 m
The average approval of $364,560 sits well above the median of $150,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 8.9 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.
Midland County
SBA loan default and charge-off rates in Midland County
Do SBA loans in Midland County get paid back?
- Loans with a final outcome recorded24
- Paid in full23
- Charged off1
- Status: Exempt from disclosure57
- Status: Paid in full23
- Status: Cancelled8
- Status: Charged off1
- Status: Committed, not yet disbursed12
Only 24 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.
Midland County
SBA lending by place in Midland County
- Borrower cities with recorded lending8
- Midland, approvals86
- Sanford, approvals6
- Hope, approvals3
- Coleman, approvals2
- Linwood, approvals1
- Shepherd, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Midland | 86 | $34,716,100 |
| Sanford | 6 | $539,000 |
| Hope | 3 | $975,400 |
| Coleman | 2 | $55,000 |
| Linwood | 1 | $400,000 |
| Shepherd | 1 | $50,100 |
| Saint Charles | 1 | $50,000 |
| Traverse City | 1 | $35,000 |
Midland accounts for 86 approvals against 6 in Sanford. 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.
Midland County
How large is Midland County?
- Land area516 sq mi
- Rank by land area among Michigan counties66th of 83
- Width, east to west22.1 mi
- Height, north to south24.9 mi
- Geographies sharing a boundary5
- Residents per square mile of land162
- Establishments per square mile3.48
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.
Midland County
Flood risk in Midland County
- Communities in the county in the NFIP Community Status Book14
- Of those, participating in the NFIP14
- 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 5
- Communities carrying a CRS class1
- Radon levels in Midland County, EPA zone predicted average indoor radon screening level less than 2 pCi/LZone 3
The EPA places Midland 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 5, 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 Midland 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 Midland County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202483,757
- Households34,993
- Average household size2.39
- Median household income$77,705
- Median age41.8
Common questions
Midland County questions, answered from the record.
How many people live in Midland County, Michigan?
The Census Bureau estimates 84,022 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 83,757, in 34,993 households, ranking 24th of 83 Michigan counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Midland County's population growing?
The population has grown 0.63 percent since the 2020 census base of 83,497, to 84,022 on July 1, 2024. In 2024 there were 801 births against 848 deaths, with net migration of 62. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Midland County?
$77,705. The median owner-occupied home is valued at $195,400, which is 2.5 times income, and median gross rent is $1,016 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Midland County?
1,795 establishments, employing 37,324 people with an annual payroll of $2.75 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 Midland County?
Health care and social assistance is the largest private sector at 8,647 jobs, 22.6 percent of covered employment. Covered employment averages 38,288 jobs at an average annual pay of $72,021, or $1,385 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Midland County?
101 7(a) approvals totaling $36.8 m since FY2020, across 19 lenders, with a median approval of $150,000, plus 20 504 approvals worth $10.0 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Midland County?
314 housing units were authorized by permit in 2024, with a declared construction value of $74.8 m. Multifamily was 66.9 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Midland 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 Midland County come from?
The largest single origin is Bay County, with 333 households. Arriving households report an average income of $76,469 against $78,229 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Midland 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 Midland 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.
Midland County
Cities and places in Midland.
3 Census places lie wholly or partly in Midland 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 |
|---|---|---|---|---|
| Midland | city | 42,724 | 86 | Wholly in this county |
| Coleman | city | 1,206 | 2 | Wholly in this county |
| Sanford | village | 716 | 6 | Wholly in this county |
A further 7 of the county's 101 SBA 7(a) approvals are to borrowers in cities that match no Census place in Midland County, the largest being Hope (3), Linwood (1), Shepherd (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