Shiawassee County, Michigan: commercial real estate data.
Shiawassee County, Michigan had an estimated 67,982 residents on July 1, 2024, down 0.2 percent since the 2020 census base of 68,085, across 531 square miles. 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 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Shiawassee County
How many people live in Shiawassee County
- Population, American Community Survey 2020-202467,991
- 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-equivalents, Puerto Rico included805th of 3,222
Shiawassee County is the 27th 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 20.7 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, July 1, 202467,982
- Census 2020 base population68,085
- Population change since the 2020 census base-0.15 percent
- Population change, 2023 to 2024-23
- 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 of 3,144
The county has lost 0.15 percent of its population since the 2020 census base. Deaths exceeded births in 2024 by more than net migration added, so the population fell even though more people moved in than left.
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
- Tax returns filed by households leaving1,581
- Net household movement201
- Adjusted gross income arriving$86.9 m
- Net adjusted gross income movement$-1.5 m
- Average income of an arriving household$48,754
- Average income of a leaving household$55,884
- Largest single originGenesee County (344 households)
- Largest single destinationGenesee County (289 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Genesee County | 344 | 630 | $17.6 m |
| Ingham County | 264 | 465 | $12.3 m |
| Clinton County | 162 | 280 | $8.1 m |
| Livingston County | 134 | 227 | $7.2 m |
| Saginaw County | 94 | 157 | $3.8 m |
| Oakland County | 79 | 133 | $4.2 m |
| Eaton County | 59 | 110 | $3.8 m |
| Wayne County | 43 | 69 | $2.4 m |
Households arriving report $7,130 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is Genesee 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.
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 the Michigan areas BEA publishes31st of 83
- Rank by GDP among the US county areas BEA publishes1139th of 3,127
- 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
Employment by industry in Shiawassee County
- Covered employment, annual average15,541
- Establishments reporting1,180
- Average annual pay$51,381
- Average weekly wage$988
- Health care and social assistance, employment2,551
- Health care and social assistance, average annual pay$61,367
- Retail trade, employment2,209
- Retail trade, average annual pay$39,059
- Manufacturing, employment1,771
- Manufacturing, average annual pay$62,607
- Accommodation and food services, employment1,427
- Accommodation and food services, average annual pay$20,076
- Construction, employment773
- Professional, scientific and technical services, employment686
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 2,551 | 98 | $61,367 |
| Retail trade | 2,209 | 166 | $39,059 |
| Manufacturing | 1,771 | 73 | $62,607 |
| Accommodation and food services | 1,427 | 98 | $20,076 |
| Construction | 773 | 156 | $59,501 |
| Professional, scientific and technical services | 686 | 83 | $60,470 |
| Transportation and warehousing | 650 | 45 | $75,588 |
| Other services, except public administration | 389 | 104 | $31,500 |
Health care and social assistance is the largest private sector at 2,551 jobs, 16.4 percent of covered employment.
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. 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.
Shiawassee County
Building permits in Shiawassee County
- Housing units authorized by permit, 202467
- Declared construction value permitted$15.8 m
- Single family units authorized65
- Multifamily units authorized2
- Multifamily share of units3.0 percent
- Average declared value per unit$235,563
- Units authorized per 1,000 households2.4
Single-family homes are 97.0 percent of units authorized, so the pipeline is predominantly single-family.
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$49,790
- 90th percentile approval$799,500
- 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)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$44.2 m
The average approval of $342,640 sits well above the median of $140,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here 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
- Status: Paid in full27
- Status: Exempt from disclosure54
- Status: Charged off1
- Status: Cancelled8
- Status: Committed, not yet disbursed4
Only 28 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.
Shiawassee County
SBA lending by place in Shiawassee County
- Borrower cities with recorded lending14
- Owosso, approvals40
- Perry, approvals11
- Durand, approvals8
- Morrice, approvals8
- Byron, approvals5
- Laingsburg, approvals5
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Owosso | 40 | $16,035,100 |
| Perry | 11 | $4,405,000 |
| Durand | 8 | $3,833,600 |
| Morrice | 8 | $3,758,600 |
| Byron | 5 | $920,000 |
| Laingsburg | 5 | $350,000 |
| Corunna | 4 | $740,000 |
| New Lothrop | 3 | $515,000 |
| 6 other borrower cities | 10 | $1,650,900 |
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 county 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 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 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.
- Population, American Community Survey 2020-202467,991
- 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?
The Census Bureau estimates 67,982 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 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 of 68,085, to 67,982 on July 1, 2024. 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 employment by industry in Shiawassee County?
Health care and social assistance is the largest private sector at 2,551 jobs, 16.4 percent of covered employment. Covered employment averages 15,541 jobs at an average annual pay of $51,381, or $988 a week. 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 totaling $32.2 m since FY2020, across 26 lenders, with a median approval of $140,000, plus 23 504 approvals worth $11.9 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Shiawassee County?
67 housing units were authorized 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 Genesee County, with 344 households. Arriving households report an average income of $48,754 against $55,884 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?
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.
Shiawassee County
Cities and places in Shiawassee.
15 Census places lie wholly or partly in Shiawassee County. All 15 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 |
|---|---|---|---|---|
| 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 | 11 | Wholly in this county |
| Laingsburg | city | 1,769 | 5 | Wholly in this county |
| Morrice | village | 1,550 | 8 | Wholly in this county |
| Ovid | city | 1,370 | None recorded | 5.5 percent here, 94.5 percent Clinton County |
| Middletown | CDP | 799 | None recorded | Wholly in this county |
| New Lothrop | village | 733 | 3 | Wholly in this county |
| Vernon | village | 697 | 1 | Wholly in this county |
| Byron | village | 617 | 5 | 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 | 2 | Wholly in this county |
A further 4 of the county's 94 SBA 7(a) approvals are to borrowers in cities that match no Census place in Shiawassee County, the largest being Grandville (2), Lainsburg (1), Kenton (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