Oscoda County, Michigan: commercial real estate data.
Oscoda County, Michigan had an estimated 8,596 residents on July 1, 2024, up 4.6 percent since the 2020 census base of 8,220, across 566 square miles. County output reached $282.8 m in 2024, 176 establishments operate here, and the SBA record carries 12 7(a) approvals worth $2.2 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Oscoda County
How many people live in Oscoda County
- Population, American Community Survey 2020-20248,425
- Households3,788
- Average household size2.22
- Median household income$49,515
- Median age52.5
- Median gross rent$681 per month
- Median owner-occupied home value$125,500
- Home value to household income2.5 times
- Annual rent as a share of median income16.5 percent
- Adults 25 and over with a bachelor degree or higher15.6 percent
- Adults 25 and over with a graduate degree4.4 percent
- Adults 25 and over6,331
- Population under 181,654
- Share under 1819.6 percent
- Population 65 and over2,474
- Share 65 and over29.4 percent
- Working age population, 18 to 644,297
- Civilian labor force3,094
- Unemployment rate8.0 percent
- Labor force participation, adults 18 and over45.7 percent
- Rank by population among Michigan counties78th of 83
- Rank by population among US county-equivalents, Puerto Rico included2615th of 3,222
Oscoda County is the 78th largest of 83 Michigan counties by population. A median home costs 2.5 times median household income, which is affordable by national standards. Residents 65 and over outnumber those under 18, at 29.4 percent against 19.6 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.
Oscoda County
Is Oscoda County's population growing?
- Population, July 1, 20248,596
- Census 2020 base population8,220
- Population change since the 2020 census base4.57 percent
- Population change, 2023 to 202424
- Births, 202467
- Deaths, 2024150
- Natural change, 2024-83
- Net domestic migration, 2024104
- Net international migration, 20242
- Total net migration, 2024106
- Cumulative net domestic migration, 2021 to 2024672
- Rank by growth among US county-equivalents601st of 3,144
The county has grown 4.57 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.
Oscoda County
Where are people moving to Oscoda County from?
- Tax returns filed by households arriving292
- People arriving, from those returns517
- Tax returns filed by households leaving221
- Net household movement71
- Adjusted gross income arriving$17.6 m
- Net adjusted gross income movement$6.3 m
- Average income of an arriving household$60,130
- Average income of a leaving household$51,059
- Largest single originOakland County (35 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Oakland County | 35 | 61 | $2.5 m |
| Wayne County | 27 | 51 | $1.6 m |
| Genesee County | 25 | 41 | $1.4 m |
| Macomb County | 21 | 33 | $1.9 m |
Households arriving report $9,071 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 Oakland 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.
Oscoda County
What is the Oscoda County economy?
- County GDP, 2024$282.8 m
- County GDP, 2023$271.6 m
- GDP change, 2023 to 20244.1 percent
- GDP change over five years41.5 percent
- Rank by GDP among the Michigan areas BEA publishes79th of 83
- Rank by GDP among the US county areas BEA publishes2736th of 3,127
- GDP per resident$33,570
Output grew 4.1 percent in the latest year and 41.5 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.
Oscoda County
Employment by industry in Oscoda County
- Covered employment, annual average1,364
- Establishments reporting198
- Average annual pay$40,287
- Average weekly wage$775
- Retail trade, employment226
- Retail trade, average annual pay$29,839
- Manufacturing, employment148
- Manufacturing, average annual pay$60,845
- Construction, employment75
- Construction, average annual pay$51,245
- Other services, except public administration, employment73
- Other services, except public administration, average annual pay$31,965
- Administrative and support and waste management services, employment69
- Health care and social assistance, employment54
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Retail trade | 226 | 34 | $29,839 |
| Manufacturing | 148 | 17 | $60,845 |
| Construction | 75 | 24 | $51,245 |
| Other services, except public administration | 73 | 21 | $31,965 |
| Administrative and support and waste management services | 69 | 8 | $36,039 |
| Health care and social assistance | 54 | 18 | $22,906 |
| Professional, scientific and technical services | 17 | 8 | $58,387 |
| Agriculture, forestry, fishing and hunting | 11 | 5 | $52,647 |
Retail trade is the largest private sector at 226 jobs, 16.6 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Oscoda County
How many businesses are in Oscoda County?
- Establishments, all industries176
- Employment at those establishments1,335
- Annual payroll$59.0 m
- Establishments per 1,000 residents20.9
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.
Oscoda County
Building permits in Oscoda County
- Housing units authorized by permit, 202429
- Declared construction value permitted$9.3 m
- Single family units authorized29
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$320,650
- Units authorized per 1,000 households7.7
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.
Oscoda County
SBA loans in Oscoda County (7(a) and 504)
- 7(a) approvals recorded12
- 7(a) gross approval dollars$2.2 m
- Average 7(a) approval$179,225
- Median 7(a) approval$121,600
- Largest single approval$700,000
- Jobs reported supported, 7(a)61
- Jobs per approval5.1
- Distinct 7(a) lenders active2
- Distinct industries receiving approvals9
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer8.3 percent
- Loans on real estate terms1
- Loans on working capital terms, 120 months or shorter10
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countGeneral Freight Trucking, Local (3)
- Most active lenderThe Huntington National Bank (11)
- 504 approvals recorded1
- 504 gross approval dollars$433,000
- Average 504 approval$433,000
- Median 504 approval$433,000
- Distinct CDCs active1
- 504 jobs per approval0.0
- 504 jobs per million dollars approved0.0
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$2.6 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.
Oscoda County
SBA loan default and charge-off rates in Oscoda County
Do SBA loans in Oscoda County get paid back?
- Loans with a final outcome recorded2
- Paid in full2
- Charged off0
- Status: Exempt from disclosure9
- Status: Paid in full2
- Status: Committed, not yet disbursed1
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.
Oscoda County
SBA lending by place in Oscoda County
- Borrower cities with recorded lending6
- Mio, approvals6
- Comins, approvals2
- Luzerne, approvals1
- Rose City, approvals1
- Fairview, approvals1
- Milo, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Mio | 6 | $676,000 |
| Comins | 2 | $310,000 |
| Luzerne | 1 | $700,000 |
| Rose City | 1 | $256,500 |
| Fairview | 1 | $133,200 |
| Milo | 1 | $75,000 |
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Oscoda County
How large is Oscoda County?
- Land area566 sq mi
- Rank by land area among Michigan counties46th of 83
- Width, east to west23.8 mi
- Height, north to south24.1 mi
- Geographies sharing a boundary4
- Residents per square mile of land15
- Establishments per square mile0.31
- Radon levels in Oscoda County, EPA zone predicted average indoor radon screening level less than 2 pCi/LZone 3
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. 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 Oscoda 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 Oscoda County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-20248,425
- Households3,788
- Average household size2.22
- Median household income$49,515
- Median age52.5
Common questions
Oscoda County questions, answered from the record.
How many people live in Oscoda County, Michigan?
The Census Bureau estimates 8,596 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 8,425, in 3,788 households, ranking 78th of 83 Michigan counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Oscoda County's population growing?
The population has grown 4.57 percent since the 2020 census base of 8,220, to 8,596 on July 1, 2024. In 2024 there were 67 births against 150 deaths, with net migration of 106. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Oscoda County?
$49,515. The median owner-occupied home is valued at $125,500, which is 2.5 times income, and median gross rent is $681 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Oscoda County?
176 establishments, employing 1,335 people with an annual payroll of $59.0 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 Oscoda County?
Retail trade is the largest private sector at 226 jobs, 16.6 percent of covered employment. Covered employment averages 1,364 jobs at an average annual pay of $40,287, or $775 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Oscoda County?
12 7(a) approvals totaling $2.2 m since FY2020, across 2 lenders, with a median approval of $121,600, plus 1 504 approvals worth $433,000 since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Oscoda County?
29 housing units were authorized by permit in 2024, with a declared construction value of $9.3 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Oscoda 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 Oscoda County come from?
The largest single origin is Oakland County, with 35 households. Arriving households report an average income of $60,130 against $51,059 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Oscoda 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 Oscoda 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.
Oscoda County
Cities and places in Oscoda.
1 Census place lies wholly or partly in Oscoda County. It carries enough published place level data for a page of its own and is linked.
| Place | Type | Population | SBA 7(a) approvals, projects in this county | Lies in |
|---|---|---|---|---|
| Mio | CDP | 1,474 | 6 | Wholly in this county |
A further 6 of the county's 12 SBA 7(a) approvals are to borrowers in cities that match no Census place in Oscoda County, the largest being Comins (2), Luzerne (1), Rose City (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