Shiawassee County, Michigan: commercial real estate data.
Shiawassee County, Michigan has a population of 67,991 across 531 square miles, down 0.1 percent since the 2020 census base. County output reached $2.38 bn in 2024, 1,202 establishments operate here, and the SBA record carries 94 7(a) approvals worth $32.2 m.
128 sourced county values · tier FULL · 12 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Shiawassee County
How many people live in Shiawassee County
- Population67,991
- Households28,126
- Average household size2.42
- Median household income$67,404
- Median age43.2
- Median gross rent$899 per month
- Median owner-occupied home value$171,600
- Home value to household income2.5 times
- Annual rent as a share of median income16.0 percent
- Adults 25 and over with a bachelor degree or higher20.0 percent
- Adults 25 and over with a graduate degree6.2 percent
- Adults 25 and over48,650
- Population under 1814,070
- Share under 1820.7 percent
- Population 65 and over13,473
- Share 65 and over19.8 percent
- Working age population, 18 to 6440,448
- Civilian labor force33,465
- Unemployment rate4.0 percent
- Labor force participation, adults 18 and over62.1 percent
- Rank by population among Michigan counties27th of 83
- Rank by population among US county-equivalents805th
Shiawassee County is the 27th largest of 83 Michigan counties by population. A median home costs 2.5 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 20.7 percent against 19.8 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Shiawassee County
Is Shiawassee County's population growing?
- Population change since the 2020 census base-0.15 percent
- Census 2020 base population68,085
- Births, 2024679
- Deaths, 2024862
- Natural change, 2024-183
- Net domestic migration, 2024107
- Net international migration, 202451
- Total net migration, 2024158
- Cumulative net domestic migration, 2021 to 2024639
- Rank by growth among US county-equivalents1895th
The county has lost 0.15 percent of its population since the 2020 census base. Deaths exceeded births in 2024, so all of the growth came from people moving in. A market held up by migration alone 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.
Shiawassee County
Where are people moving to Shiawassee County from?
- Tax returns filed by households arriving1,782
- People arriving, from those returns3,091
- Adjusted gross income arriving$86.9 m
- Net adjusted gross income movement$0
- Average income of an arriving household$48,754
- Largest single originShiawassee County Non-migrants (27,540 households)
- Largest single destination (27,540 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Shiawassee County Non-migrants | 27,540 | 53,700 | $1.75 bn |
| Genesee County | 344 | 630 | $17.6 m |
| Other flows - Different State | 296 | 526 | $14.4 m |
| Ingham County | 264 | 465 | $12.3 m |
| Other flows - Same State | 261 | 425 | $11.0 m |
| Clinton County | 162 | 280 | $8.1 m |
| Other flows - South | 153 | 272 | $7.1 m |
| Livingston County | 134 | 227 | $7.2 m |
The largest single source of arrivals is Shiawassee County Non-migrants, 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.
Shiawassee County
What is the Shiawassee County economy?
- County GDP, 2024$2.38 bn
- County GDP, 2023$2.32 bn
- GDP change, 2023 to 20242.6 percent
- GDP change over five years37.9 percent
- Rank by GDP among Michigan counties31st
- Rank by GDP among US county-equivalents1139th
- GDP per resident$34,966
Output grew 2.6 percent in the latest year and 37.9 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.
Shiawassee County
Largest employers in Shiawassee County
- Covered employment, annual average15,541
- Establishments reporting1,180
- Average annual pay$51,381
- Average weekly wage$988
- Sector 62, employment2,551
- Sector 62, average annual pay$61,367
- Sector 44-45, employment2,209
- Sector 44-45, average annual pay$39,059
- Sector 31-33, employment1,771
- Sector 31-33, average annual pay$62,607
- Sector 72, employment1,427
- Sector 72, average annual pay$20,076
- Sector 23, employment773
- Sector 54, employment686
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 2,551 | 98 | $61,367 |
| Sector 44-45 | 2,209 | 166 | $39,059 |
| Sector 31-33 | 1,771 | 73 | $62,607 |
| Sector 72 | 1,427 | 98 | $20,076 |
| Sector 23 | 773 | 156 | $59,501 |
| Sector 54 | 686 | 83 | $60,470 |
| Sector 48-49 | 650 | 45 | $75,588 |
| Sector 81 | 389 | 104 | $31,500 |
The largest sector is the biggest private employer group at 2,551 jobs, 16.4 percent of covered employment. Average pay per job sits below median household income, so households here typically need more than one earner.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Shiawassee County
How many businesses are in Shiawassee County?
- Establishments, all industries1,202
- Employment at those establishments14,259
- Annual payroll$655.3 m
- Establishments per 1,000 residents17.7
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against.
US Census Bureau, County Business Patterns, 2023.
Shiawassee County
Building permits in Shiawassee County
- Housing units authorised by permit, 202467
- Declared construction value permitted$15.8 m
- Single family units authorised65
- Multifamily units authorised2
- Multifamily share of units3.0 percent
- Average declared value per unit$235,563
- Units authorised per 1,000 households2.4
Multifamily is 3.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Shiawassee County
SBA loans in Shiawassee County (7(a) and 504)
- 7(a) approvals recorded94
- 7(a) gross approval dollars$32.2 m
- Average 7(a) approval$342,640
- Median 7(a) approval$140,000
- 10th percentile approval$49,700
- 90th percentile approval$807,000
- Largest single approval$3,000,000
- Jobs reported supported, 7(a)1,242
- Jobs per approval13.2
- Distinct 7(a) lenders active26
- Distinct industries receiving approvals61
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer20.2 percent
- Loans on real estate terms19
- Loans on working capital terms, 120 months or shorter71
- Franchise loans3
- Franchise share of approvals3.2 percent
- Leading industry by approval countPower and Communication Line and Related Structures Construction (5)
- Most active lenderThe Huntington National Bank (40)
- 504 approvals recorded23
- 504 gross approval dollars$11.9 m
- Average 504 approval$519,304
- Median 504 approval$498,000
- Distinct CDCs active3
- 504 jobs per approval11.2
- 504 jobs per million dollars approved21.6
- Most active CDCMichigan Certified Development Corporation (18)
- 7(a) share of SBA approvals80.3 percent
- Combined SBA approval dollars$44.2 m
The average approval of $342,640 sits well above the median of $140,000, so a small number of large deals is pulling the mean up. The median is the better guide to what a typical borrower here actually gets. Only 20.2 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.
Shiawassee County
SBA loan default and charge-off rates in Shiawassee County
Do SBA loans in Shiawassee County get paid back?
- Loans with a final outcome recorded28
- Paid in full27
- Charged off1
- Charge off rate on resolved loans3.6 percent
- Status: Paid in full27
- Status: Exempt from disclosure54
- Status: Charged off1
- Status: Cancelled8
- Status: Committed, not yet disbursed4
Of the 28 loans that have reached a final outcome, 3.6 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.
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.
Shiawassee County
SBA lending by place in Shiawassee County
- Places in the county with recorded lending14
- OWOSSO, approvals40
- PERRY, approvals11
- Morrice, approvals8
- Durand, approvals8
- BYRON, approvals5
- Laingsburg, approvals5
| Place | Approvals | Gross approval dollars |
|---|---|---|
| OWOSSO | 40 | $16,035,100 |
| PERRY | 11 | $4,405,000 |
| Morrice | 8 | $3,758,600 |
| Durand | 8 | $3,833,600 |
| BYRON | 5 | $920,000 |
| Laingsburg | 5 | $350,000 |
| Corunna | 4 | $740,000 |
| Bancroft | 3 | $374,700 |
OWOSSO accounts for 40 approvals against 11 in PERRY. 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.
Shiawassee County
How large is Shiawassee County?
- Land area531 sq mi
- Rank by land area among Michigan counties64th of 83
- Width, east to west22.5 mi
- Height, north to south24.7 mi
- Geographies sharing a boundary6
- Residents per square mile of land128
- Establishments per square mile2.26
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.
Shiawassee County
Flood risk in Shiawassee County
- Communities in the NFIP Community Status Book19
- Of those, participating in the NFIP16
- NFIP participation rate84.2 percent
- Communities carrying a CRS class0
- Radon levels in Shiawassee County, EPA zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
The EPA places Shiawassee County in radon zone 2, a predicted average indoor radon screening level from 2 to 4 pCi/L. The zone is a screening prediction for the county and does not substitute for a test at an address. 84.2 percent of the county's listed communities participate in the National Flood Insurance Program, per FEMA OpenFEMA, NFIP Community Status Book, Community Status Book, as retrieved.
FEMA OpenFEMA, NFIP Community Status Book, Community Status Book, as retrieved. US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Flood zone record counts are not held. The flood coverage export has not landed, so no count is shown rather than an estimated one.
- Traffic counts resolve in the platform, not in this dataset, so no AADT figure is printed here.
- Zoning is in build. Parcel level zoning is not published on this page.
Feasibility studies
When a Shiawassee 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 Shiawassee County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population67,991
- Households28,126
- Average household size2.42
- Median household income$67,404
- Median age43.2
Common questions
Shiawassee County questions, answered from the record.
How many people live in Shiawassee County, Michigan?
67,991, in 28,126 households, ranking 27th of 83 Michigan counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Shiawassee County's population growing?
The population has fallen 0.15 percent since the 2020 census base. In 2024 there were 679 births against 862 deaths, with net migration of 158. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Shiawassee County?
$67,404. The median owner-occupied home is valued at $171,600, which is 2.5 times income, and median gross rent is $899 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Shiawassee County?
1,202 establishments, employing 14,259 people with an annual payroll of $655.3 m. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in Shiawassee County?
Average annual pay is $51,381, or $988 a week, across 15,541 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Shiawassee County?
94 7(a) approvals totalling $32.2 m since FY2020, across 26 lenders, with a median approval of $140,000, plus 23 504 approvals worth $11.9 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Shiawassee County get paid back?
Of the 28 loans that have reached a final outcome, 27 were paid in full and 1 charged off, a charge off rate of 3.6 percent. Loans still running are excluded, because they have not yet succeeded or failed.
How many building permits were issued in Shiawassee County?
67 housing units were authorised by permit in 2024, with a declared construction value of $15.8 m. Multifamily was 3.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Shiawassee County?
Zone 2, a predicted average indoor radon screening level from 2 to 4 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Shiawassee County come from?
The largest single origin is Shiawassee County Non-migrants, with 27,540 households. Arriving households report an average income of $48,754 against null for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Shiawassee 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 Shiawassee County?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame with confirm locally attached.
Shiawassee County
Cities and places in Shiawassee.
15 Census places lie wholly or partly in Shiawassee County. 15 carry enough published place level data for a page of their own and are linked. The rest are named here and not linked, because the American Community Survey and the SBA record between them do not carry enough about them to write an honest page. A place existing is itself worth knowing, so nothing in the county is left out.
| Place | Type | Population | SBA approvals | Lies in |
|---|---|---|---|---|
| Owosso | city | 14,632 | 40 | Wholly in this county |
| Durand | city | 3,483 | 8 | Wholly in this county |
| Corunna | city | 3,037 | 4 | Wholly in this county |
| Perry | city | 2,073 | 13 | Wholly in this county |
| Laingsburg | city | 1,769 | 6 | Wholly in this county |
| Morrice | village | 1,550 | 8 | Wholly in this county |
| Ovid | city | 1,370 | 2 | 5.5 percent here, 94.5 percent Clinton County |
| Middletown | CDP | 799 | None recorded | Wholly in this county |
| New Lothrop | village | 733 | 5 | Wholly in this county |
| Vernon | village | 697 | 1 | Wholly in this county |
| Byron | village | 617 | 12 | Wholly in this county |
| Bancroft | village | 469 | 3 | Wholly in this county |
| Lennon | village | 465 | None recorded | 73.9 percent here, 26.1 percent Genesee County |
| Shaftsburg | CDP | 441 | None recorded | Wholly in this county |
| Henderson | CDP | 320 | 3 | Wholly in this county |
A further 2 SBA approvals in Shiawassee County are recorded against borrower cities that match no Census place, the largest being Kenton, Lainsburg. Those are postal cities and unincorporated areas rather than incorporated places, so no page claims them, and their lending is counted in this county's totals above rather than under any city.