Kanabec County, Minnesota: commercial real estate data.
Kanabec County, Minnesota had an estimated 16,608 residents on July 1, 2024, up 3.6 percent since the 2020 census base of 16,032, across 522 square miles. County output reached $548.8 m in 2024, 314 establishments operate here, and the SBA record carries 45 7(a) approvals worth $12.9 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Kanabec County
How many people live in Kanabec County
- Population, American Community Survey 2020-202416,390
- Households6,564
- Average household size2.50
- Median household income$71,460
- Median age44.7
- Median gross rent$962 per month
- Median owner-occupied home value$228,100
- Home value to household income3.2 times
- Annual rent as a share of median income16.2 percent
- Adults 25 and over with a bachelor degree or higher15.7 percent
- Adults 25 and over with a graduate degree5.6 percent
- Adults 25 and over11,712
- Population under 183,490
- Share under 1821.3 percent
- Population 65 and over3,616
- Share 65 and over22.1 percent
- Working age population, 18 to 649,284
- Civilian labor force8,032
- Unemployment rate4.6 percent
- Labor force participation, adults 18 and over62.3 percent
- Rank by population among Minnesota counties52nd of 87
- Rank by population among US county-equivalents, Puerto Rico included2077th of 3,222
Kanabec County is the 52nd largest of 87 Minnesota counties by population. A median home costs 3.2 times median household income, which is moderately unaffordable by national standards. Residents 65 and over outnumber those under 18, at 22.1 percent against 21.3 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.
Kanabec County
Is Kanabec County's population growing?
- Population, July 1, 202416,608
- Census 2020 base population16,032
- Population change since the 2020 census base3.59 percent
- Population change, 2023 to 2024-31
- Births, 2024147
- Deaths, 2024175
- Natural change, 2024-28
- Net domestic migration, 2024-4
- Net international migration, 20240
- Total net migration, 2024-4
- Cumulative net domestic migration, 2021 to 2024708
- Rank by growth among US county-equivalents755th of 3,144
The county has grown 3.59 percent since the 2020 census base. The population fell in 2024 from both sources: deaths exceeded births and more people left than moved in.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Kanabec County
Where are people moving to Kanabec County from?
- Tax returns filed by households arriving533
- People arriving, from those returns1,020
- Tax returns filed by households leaving435
- Net household movement98
- Adjusted gross income arriving$30.3 m
- Net adjusted gross income movement$7.2 m
- Average income of an arriving household$56,771
- Average income of a leaving household$53,000
- Largest single originIsanti County (71 households)
- Largest single destinationPine County (61 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Isanti County | 71 | 140 | $4.0 m |
| Anoka County | 61 | 110 | $3.4 m |
| Hennepin County | 50 | 72 | $2.6 m |
| Pine County | 49 | 106 | $2.8 m |
| Mille Lacs County | 46 | 114 | $2.1 m |
| Ramsey County | 28 | 58 | $1.8 m |
| Chisago County | 26 | 40 | $1.6 m |
Households arriving report $3,771 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 Isanti 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.
Kanabec County
What is the Kanabec County economy?
- County GDP, 2024$548.8 m
- County GDP, 2023$515.3 m
- GDP change, 2023 to 20246.5 percent
- GDP change over five years22.0 percent
- Rank by GDP among the Minnesota areas BEA publishes74th of 87
- Rank by GDP among the US county areas BEA publishes2350th of 3,127
- GDP per resident$33,486
Output grew 6.5 percent in the latest year and 22.0 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.
Kanabec County
Employment by industry in Kanabec County
- Covered employment, annual average4,221
- Establishments reporting364
- Average annual pay$51,717
- Average weekly wage$995
- Health care and social assistance, employment1,131
- Health care and social assistance, average annual pay$63,575
- Retail trade, employment538
- Retail trade, average annual pay$34,178
- Manufacturing, employment481
- Manufacturing, average annual pay$49,013
- Construction, employment319
- Construction, average annual pay$86,801
- Accommodation and food services, employment279
- Other services, except public administration, employment199
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 1,131 | 58 | $63,575 |
| Retail trade | 538 | 46 | $34,178 |
| Manufacturing | 481 | 23 | $49,013 |
| Construction | 319 | 51 | $86,801 |
| Accommodation and food services | 279 | 25 | $19,019 |
| Other services, except public administration | 199 | 36 | $41,101 |
| Finance and insurance | 108 | 14 | $75,254 |
| Arts, entertainment and recreation | 61 | 7 | $18,355 |
Health care and social assistance is the largest private sector at 1,131 jobs, 26.8 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Kanabec County
How many businesses are in Kanabec County?
- Establishments, all industries314
- Employment at those establishments3,371
- Annual payroll$174.1 m
- Establishments per 1,000 residents19.2
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.
Kanabec County
Building permits in Kanabec County
- Housing units authorized by permit, 202455
- Declared construction value permitted$12.5 m
- Single family units authorized53
- Multifamily units authorized2
- Multifamily share of units3.6 percent
- Average declared value per unit$227,010
- Units authorized per 1,000 households8.4
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.
Kanabec County
SBA loans in Kanabec County (7(a) and 504)
- 7(a) approvals recorded45
- 7(a) gross approval dollars$12.9 m
- Average 7(a) approval$287,616
- Median 7(a) approval$95,000
- 10th percentile approval$25,000
- 90th percentile approval$742,000
- Largest single approval$2,656,000
- Jobs reported supported, 7(a)246
- Jobs per approval5.5
- Distinct 7(a) lenders active14
- Distinct industries receiving approvals32
- Median 7(a) term84 months
- Share of loans on real estate terms, 240 months or longer15.6 percent
- Loans on real estate terms7
- Loans on working capital terms, 120 months or shorter34
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countGeneral Freight Trucking, Local (7)
- Most active lenderFirst Citizens Bank (28)
- 504 approvals recorded7
- 504 gross approval dollars$2.6 m
- Average 504 approval$377,857
- Median 504 approval$267,000
- Distinct CDCs active3
- 504 jobs per approval3.3
- 504 jobs per million dollars approved8.7
- Most active CDCMidwest Business Finance Corporation (5)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$15.6 m
The average approval of $287,616 sits well above the median of $95,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 15.6 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.
Kanabec County
SBA loan default and charge-off rates in Kanabec County
Do SBA loans in Kanabec County get paid back?
- Loans with a final outcome recorded22
- Paid in full22
- Charged off0
- Status: Paid in full22
- Status: Exempt from disclosure23
Only 22 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.
Kanabec County
SBA lending by place in Kanabec County
- Borrower cities with recorded lending4
- Mora, approvals36
- Ogilvie, approvals7
- Brook Park, approvals1
- Braham, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Mora | 36 | $11,673,700 |
| Ogilvie | 7 | $1,075,000 |
| Brook Park | 1 | $140,000 |
| Braham | 1 | $54,000 |
Mora accounts for 36 approvals against 7 in Ogilvie. 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.
Kanabec County
How large is Kanabec County?
- Land area522 sq mi
- Rank by land area among Minnesota counties66th of 87
- Width, east to west22.3 mi
- Height, north to south29.5 mi
- Geographies sharing a boundary4
- Residents per square mile of land31
- Establishments per square mile0.60
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.
Kanabec County
Flood risk in Kanabec County
- Participation of the county's own NFIP community Kanabec County, unincorporated areasParticipating, community 270214
- Communities in the county in the NFIP Community Status Book6
- Of those, participating in the NFIP5
- NFIP participation rate83.3 percent
- Communities carrying a CRS class0
- Radon levels in Kanabec County, EPA zone predicted average indoor radon screening level greater than 4 pCi/LZone 1
The county's own community in the status book, unincorporated Kanabec County (community 270214), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Kanabec County in radon zone 1, a predicted average indoor radon screening level greater than 4 pCi/L. The zone is a screening prediction for the county and does not substitute for a test at an address. 83.3 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 Kanabec 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 Kanabec County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202416,390
- Households6,564
- Average household size2.50
- Median household income$71,460
- Median age44.7
Common questions
Kanabec County questions, answered from the record.
How many people live in Kanabec County, Minnesota?
The Census Bureau estimates 16,608 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 16,390, in 6,564 households, ranking 52nd of 87 Minnesota counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Kanabec County's population growing?
The population has grown 3.59 percent since the 2020 census base of 16,032, to 16,608 on July 1, 2024. In 2024 there were 147 births against 175 deaths, with net migration of -4. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Kanabec County?
$71,460. The median owner-occupied home is valued at $228,100, which is 3.2 times income, and median gross rent is $962 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Kanabec County?
314 establishments, employing 3,371 people with an annual payroll of $174.1 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 Kanabec County?
Health care and social assistance is the largest private sector at 1,131 jobs, 26.8 percent of covered employment. Covered employment averages 4,221 jobs at an average annual pay of $51,717, or $995 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Kanabec County?
45 7(a) approvals totaling $12.9 m since FY2020, across 14 lenders, with a median approval of $95,000, plus 7 504 approvals worth $2.6 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Kanabec County?
55 housing units were authorized by permit in 2024, with a declared construction value of $12.5 m. Multifamily was 3.6 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Kanabec County?
Zone 1, a predicted average indoor radon screening level greater than 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 Kanabec County come from?
The largest single origin is Isanti County, with 71 households. Arriving households report an average income of $56,771 against $53,000 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Kanabec 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 Kanabec 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.
Kanabec County
Cities and places in Kanabec.
5 Census places lie wholly or partly in Kanabec County. All 5 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 |
|---|---|---|---|---|
| Mora | city | 3,732 | 36 | Wholly in this county |
| Braham | city | 1,732 | 1 | 6.1 percent here, 93.9 percent Isanti County |
| Ogilvie | city | 322 | 7 | Wholly in this county |
| Grasston | city | 112 | None recorded | Wholly in this county |
| Quamba | city | 82 | None recorded | Wholly in this county |
A further 1 of the county's 45 SBA 7(a) approvals are to borrowers in cities that match no Census place in Kanabec County, the largest being Brook Park (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