Roscommon County, Michigan: commercial real estate data.
Roscommon County, Michigan had an estimated 23,932 residents on July 1, 2024, up 2.1 percent since the 2020 census base of 23,446, across 520 square miles. County output reached $853.7 m in 2024, 551 establishments operate here, and the SBA record carries 43 7(a) approvals worth $15.3 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Roscommon County
How many people live in Roscommon County
- Population, American Community Survey 2020-202423,737
- Households11,579
- Average household size2.05
- Median household income$55,246
- Median age57.7
- Median gross rent$816 per month
- Median owner-occupied home value$158,700
- Home value to household income2.9 times
- Annual rent as a share of median income17.7 percent
- Adults 25 and over with a bachelor degree or higher20.2 percent
- Adults 25 and over with a graduate degree8.2 percent
- Adults 25 and over19,141
- Population under 183,396
- Share under 1814.3 percent
- Population 65 and over8,192
- Share 65 and over34.5 percent
- Working age population, 18 to 6412,149
- Civilian labor force8,779
- Unemployment rate4.7 percent
- Labor force participation, adults 18 and over43.2 percent
- Rank by population among Michigan counties60th of 83
- Rank by population among US county-equivalents, Puerto Rico included1701st of 3,222
Roscommon County is the 60th largest of 83 Michigan counties by population. A median home costs 2.9 times median household income, which is affordable by national standards. Residents 65 and over outnumber those under 18, at 34.5 percent against 14.3 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.
Roscommon County
Is Roscommon County's population growing?
- Population, July 1, 202423,932
- Census 2020 base population23,446
- Population change since the 2020 census base2.07 percent
- Population change, 2023 to 202412
- Births, 2024169
- Deaths, 2024444
- Natural change, 2024-275
- Net domestic migration, 2024283
- Net international migration, 20244
- Total net migration, 2024287
- Cumulative net domestic migration, 2021 to 20241,621
- Rank by growth among US county-equivalents1155th of 3,144
The county has grown 2.07 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.
Roscommon County
Where are people moving to Roscommon County from?
- Tax returns filed by households arriving963
- People arriving, from those returns1,651
- Tax returns filed by households leaving777
- Net household movement186
- Adjusted gross income arriving$68.5 m
- Net adjusted gross income movement$28.0 m
- Average income of an arriving household$71,167
- Average income of a leaving household$52,212
- Largest single originOakland County (86 households)
- Largest single destinationCrawford County (62 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Oakland County | 86 | 150 | $8.8 m |
| Wayne County | 72 | 119 | $4.7 m |
| Macomb County | 61 | 100 | $5.3 m |
| Crawford County | 52 | 99 | $2.3 m |
| Genesee County | 51 | 91 | $2.5 m |
| Saginaw County | 32 | 56 | $3.7 m |
| Ogemaw County | 24 | 35 | $831,000 |
| Clinton County | 20 | 33 | $1.5 m |
Households arriving report $18,955 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.
Roscommon County
What is the Roscommon County economy?
- County GDP, 2024$853.7 m
- County GDP, 2023$825.9 m
- GDP change, 2023 to 20243.4 percent
- GDP change over five years33.0 percent
- Rank by GDP among the Michigan areas BEA publishes61st of 83
- Rank by GDP among the US county areas BEA publishes1978th of 3,127
- GDP per resident$35,966
Output grew 3.4 percent in the latest year and 33.0 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.
Roscommon County
Employment by industry in Roscommon County
- Covered employment, annual average6,429
- Establishments reporting583
- Average annual pay$39,799
- Average weekly wage$765
- Accommodation and food services, employment1,916
- Accommodation and food services, average annual pay$23,204
- Retail trade, employment1,171
- Retail trade, average annual pay$36,117
- Manufacturing, employment355
- Manufacturing, average annual pay$68,052
- Construction, employment285
- Construction, average annual pay$62,047
- Other services, except public administration, employment215
- Arts, entertainment and recreation, employment168
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Accommodation and food services | 1,916 | 66 | $23,204 |
| Retail trade | 1,171 | 102 | $36,117 |
| Manufacturing | 355 | 12 | $68,052 |
| Construction | 285 | 74 | $62,047 |
| Other services, except public administration | 215 | 59 | $41,313 |
| Arts, entertainment and recreation | 168 | 18 | $25,075 |
| Finance and insurance | 104 | 27 | $59,689 |
| Administrative and support and waste management services | 68 | 22 | $35,388 |
Accommodation and food services is the largest private sector at 1,916 jobs, 29.8 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Roscommon County
How many businesses are in Roscommon County?
- Establishments, all industries551
- Employment at those establishments4,204
- Annual payroll$171.7 m
- Establishments per 1,000 residents23.2
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.
Roscommon County
Building permits in Roscommon County
- Housing units authorized by permit, 202456
- Declared construction value permitted$11.6 m
- Single family units authorized54
- Multifamily units authorized2
- Multifamily share of units3.6 percent
- Average declared value per unit$206,987
- Units authorized per 1,000 households4.8
Single-family homes are 96.4 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Roscommon County
SBA loans in Roscommon County (7(a) and 504)
- 7(a) approvals recorded43
- 7(a) gross approval dollars$15.3 m
- Average 7(a) approval$356,919
- Median 7(a) approval$115,000
- 10th percentile approval$25,000
- 90th percentile approval$1,289,600
- Largest single approval$1,871,000
- Jobs reported supported, 7(a)250
- Jobs per approval5.8
- Distinct 7(a) lenders active12
- Distinct industries receiving approvals25
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer25.6 percent
- Loans on real estate terms11
- Loans on working capital terms, 120 months or shorter29
- Franchise loans2
- Franchise share of approvals4.7 percent
- Most active lenderThe Huntington National Bank (29)
- 504 approvals recorded3
- 504 gross approval dollars$1.0 m
- Average 504 approval$348,667
- Median 504 approval$400,000
- Distinct CDCs active2
- 504 jobs per approval6.0
- 504 jobs per million dollars approved17.2
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$16.4 m
The average approval of $356,919 sits well above the median of $115,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 25.6 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.
Roscommon County
SBA loan default and charge-off rates in Roscommon County
Do SBA loans in Roscommon County get paid back?
- Loans with a final outcome recorded6
- Paid in full6
- Charged off0
- Status: Exempt from disclosure31
- Status: Cancelled3
- Status: Paid in full6
- Status: Committed, not yet disbursed3
Only 6 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.
Roscommon County
SBA lending by place in Roscommon County
- Borrower cities with recorded lending4
- Roscommon, approvals20
- Houghton Lake, approvals11
- Prudenville, approvals8
- St. Helen, approvals4
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Roscommon | 20 | $5,563,100 |
| Houghton Lake | 11 | $7,962,100 |
| Prudenville | 8 | $1,266,200 |
| St. Helen | 4 | $556,100 |
Roscommon accounts for 20 approvals against 11 in Houghton Lake. 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.
Roscommon County
How large is Roscommon County?
- Land area520 sq mi
- Rank by land area among Michigan counties65th of 83
- Width, east to west24.2 mi
- Height, north to south24.2 mi
- Geographies sharing a boundary5
- Residents per square mile of land46
- Establishments per square mile1.06
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.
Roscommon County
Flood risk in Roscommon County
- Communities in the county in the NFIP Community Status Book10
- Of those, participating in the NFIP4
- NFIP participation rate40.0 percent
- Communities carrying a CRS class0
- Radon levels in Roscommon County, EPA zone predicted average indoor radon screening level less than 2 pCi/LZone 3
The EPA places Roscommon 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. 40.0 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 Roscommon 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 Roscommon County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202423,737
- Households11,579
- Average household size2.05
- Median household income$55,246
- Median age57.7
Common questions
Roscommon County questions, answered from the record.
How many people live in Roscommon County, Michigan?
The Census Bureau estimates 23,932 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 23,737, in 11,579 households, ranking 60th of 83 Michigan counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Roscommon County's population growing?
The population has grown 2.07 percent since the 2020 census base of 23,446, to 23,932 on July 1, 2024. In 2024 there were 169 births against 444 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 Roscommon County?
$55,246. The median owner-occupied home is valued at $158,700, which is 2.9 times income, and median gross rent is $816 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Roscommon County?
551 establishments, employing 4,204 people with an annual payroll of $171.7 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 Roscommon County?
Accommodation and food services is the largest private sector at 1,916 jobs, 29.8 percent of covered employment. Covered employment averages 6,429 jobs at an average annual pay of $39,799, or $765 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Roscommon County?
43 7(a) approvals totaling $15.3 m since FY2020, across 12 lenders, with a median approval of $115,000, plus 3 504 approvals worth $1.0 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Roscommon County?
56 housing units were authorized by permit in 2024, with a declared construction value of $11.6 m. Multifamily was 3.6 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Roscommon 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 Roscommon County come from?
The largest single origin is Oakland County, with 86 households. Arriving households report an average income of $71,167 against $52,212 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Roscommon 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 Roscommon 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.
Roscommon County
Cities and places in Roscommon.
4 Census places lie wholly or partly in Roscommon County. All 4 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 |
|---|---|---|---|---|
| Houghton Lake | CDP | 5,769 | 11 | Wholly in this county |
| St. Helen | CDP | 2,929 | 4 | Wholly in this county |
| Prudenville | CDP | 1,350 | 8 | Wholly in this county |
| Roscommon | village | 1,118 | 20 | Wholly in this county |
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