HomeMinnesotaClay CountyMoorhead
Moorhead, Minnesota: commercial real estate data.
Moorhead is a Census city of 45,036 people across 22.28 square miles of land, in Clay County. Median household income is $72,761, 58.1 percent of occupied homes are owned, and the SBA record carries 66 7(a) approvals to borrowers here worth $30.1 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Moorhead
What Moorhead is
- Census place typecity
- Land area22.28 sq mi
- Water area0.01 sq mi
- Population per square mile of land2,021
- County holding the largest share of its areaClay County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Moorhead
How many people live in Moorhead
- Population45,036
- Median age31.3
- Population under 1810,379
- Share under 1823.0 percent
- Population 65 and over5,703
- Share 65 and over12.7 percent
- Households18,508
- Family households10,368
- Share of households that are families56.0 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Moorhead
Income and work in Moorhead
- Median household income$72,761
- Per capita income$37,546
- Civilian labor force25,220
- Employed23,956
- Unemployed1,264 plus or minus 325
- Unemployment rate5.0 percent plus or minus 1.3
- Adults 25 and over26,570
- Adults 25 and over with a high school diploma or higher95.3 percent
- Adults 25 and over with a bachelor degree or higher41.6 percent
- Adults 25 and over with a graduate degree13.6 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Moorhead
Housing in Moorhead
- Housing units19,184
- Occupied units18,508
- Vacant units676 plus or minus 234
- Vacancy rate3.5 percent plus or minus 1.2
- Owner occupied10,749
- Renter occupied7,759
- Ownership rate58.1 percent
- Median owner-occupied home value$249,000
- Median gross rent, monthly$1,033
- Annual rent as a share of median income17.0 percent
- Single family units11,972
- Share single family62.4 percent
- Units in buildings of two or more7,012
- Share in buildings of two or more36.6 percent
- Mobile homes200 plus or minus 102
- Median year structure built1983
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Moorhead
How Moorhead gets to work
- Workers 16 and over who commute20,438
- Commuting under 15 minutes8,404
- Share commuting under 15 minutes41.1 percent
- Commuting 30 minutes or more2,384
- Share commuting 30 minutes or more11.7 percent
- Drove alone73.7 percent
- Carpooled7.1 percent
- Public transport2.4 percent plus or minus 1.0
- Walked3.0 percent plus or minus 0.7
- Worked from home12.6 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Moorhead
SBA loans in Moorhead (7(a))
- Approvals66
- Gross approval$30,058,100
- Average approval$455,426
- Median approval$150,000
- Ninetieth percentile approval$988,750
- Largest approval$4,800,000
- Jobs supported597
- Jobs per approval9.0
- Loans with a final outcome30
- Paid in full30
- Charged off0
- Charge-off rate over resolved loans0.0 percent
- Median term102 months
- Share on real estate terms of 20 years or more9.1 percent
- Share to franchises3.0 percent
- Distinct lenders20
- Distinct industries by NAICS40
Counted by borrower city: approvals to borrowers whose address is in Moorhead, in any county, FY2020 to FY2026.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Moorhead
SBA loans in Moorhead (504)
- Approvals54
- Gross approval$31,954,000
- Average approval$591,741
- Median approval$348,500
- Largest approval$3,665,000
- Jobs supported422
- Loans with a final outcome14
- Charged off0
- Median term240 months
- Distinct CDCs4
Counted by borrower city: approvals to borrowers whose address is in Moorhead, in any county, FY2010 to FY2026. Only 14 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Moorhead
Flood risk in Moorhead
- NFIP communityCity of Moorhead
- NFIP community number275244
- Participating in the NFIPYes
- Community Rating System classClass 5
- Currently effective map date04/17/12
The City of Moorhead participates in the National Flood Insurance Program as community 275244 and carries Community Rating System class 5, a flood insurance premium discount for policies written there.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Clay County, not Moorhead
Clay County context, not Moorhead figures
- Establishments in Clay County1,306
- Covered employment, Clay County19,702
- Average annual pay, Clay County$53,697
- Housing units permitted, Clay County269
Every figure in this section is published for Clay County as a whole and is not a measurement of Moorhead.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, 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 →
Common questions
Moorhead questions, answered from the record.
How many people live in Moorhead, Minnesota?
45,036, in 18,508 households. Moorhead city covers 22.28 square miles of land, which is 2,021 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Moorhead in?
Clay County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Moorhead?
$72,761. The median owner-occupied home is valued at $249,000. Median gross rent is $1,033 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Moorhead businesses?
66 7(a) approvals totaling $30.1 m since FY2020, across 20 lenders, median approval $150,000, plus 54 504 approvals worth $32.0 m since FY2010. These count approvals to borrowers whose address is in Moorhead, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Moorhead borrowers get paid back?
Of the 30 loans that have reached a final outcome, 30 were paid in full and 0 charged off, a charge off rate of 0.0 percent. Loans still running are excluded because they have not yet succeeded or failed.
Is Moorhead in the National Flood Insurance Program?
Yes. Moorhead appears in the FEMA Community Status Book as Moorhead, city of, community 275244, carrying Community Rating System class 5, which is a premium discount for exceeding the program minimum. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Moorhead figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Clay County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Moorhead.
Is zoning published for Moorhead?
No. Nothing on this page presents parcel level zoning.
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