HomeMinnesotaMarshall CountyStephen
Stephen, Minnesota: commercial real estate data.
Stephen is a Census city of 526 people across 0.79 square miles of land, in Marshall County. Median household income is $71,250, 88.6 percent of occupied homes are owned, and the SBA record carries 4 7(a) approvals to borrowers here worth $5.4 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Stephen
What Stephen is
- Census place typecity
- Land area0.79 sq mi
- Water area0 sq mi
- Population per square mile of land668
- County holding the largest share of its areaMarshall 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.
Stephen
How many people live in Stephen
- Population526
- Median age51.6
- Population under 1891 plus or minus 23
- Share under 1817.3 percent
- Population 65 and over127
- Share 65 and over24.1 percent
- Households229
- Family households153 plus or minus 34
- Share of households that are families66.8 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Stephen
Income and work in Stephen
- Median household income$71,250 plus or minus $23,141
- Per capita income$37,134
- Civilian labor force269 plus or minus 55
- Employed259 plus or minus 54
- Unemployed10 plus or minus 5
- Unemployment rate3.7 percent plus or minus 1.7
- Adults 25 and over411
- Adults 25 and over with a high school diploma or higher87.3 percent
- Adults 25 and over with a bachelor degree or higher20.7 percent plus or minus 5.2
- Adults 25 and over with a graduate degree4.1 percent plus or minus 3.2
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Stephen
Housing in Stephen
- Housing units288
- Occupied units229
- Vacant units59 plus or minus 34
- Vacancy rate20.5 percent plus or minus 11.3
- Owner occupied203
- Renter occupied26 plus or minus 15
- Ownership rate88.6 percent
- Median owner-occupied home value$87,500 plus or minus $27,292
- Median gross rent, monthly$1,063 plus or minus $577
- Annual rent as a share of median income17.9 percent plus or minus 11.3
- Single family units237
- Share single family82.3 percent
- Units in buildings of two or more49 plus or minus 27
- Share in buildings of two or more17.0 percent plus or minus 8.9
- Mobile homes2 plus or minus 3
- Median year structure built1959
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Stephen
How Stephen gets to work
- Workers 16 and over who commute247 plus or minus 54
- Commuting under 15 minutes124 plus or minus 37
- Share commuting under 15 minutes50.2 percent plus or minus 10.0
- Commuting 30 minutes or more65 plus or minus 26
- Share commuting 30 minutes or more26.3 percent plus or minus 8.9
- Drove alone81.5 percent
- Carpooled10.2 percent plus or minus 6.3
- Public transport0.0 percent
- Walked5.5 percent plus or minus 2.9
- Worked from home2.8 percent plus or minus 1.5
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Stephen
SBA loans in Stephen (7(a))
- Approvals4
- Gross approval$5,442,800
- Average approval$1,360,700
- Median approval$617,000
- Largest approval$4,000,000
- Jobs supported53
- Jobs per approval13.3
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term90 months
- Share on real estate terms of 20 years or more25.0 percent
- Share to franchises0.0 percent
- Distinct lenders2
- Distinct industries by NAICS2
Counted by borrower city: approvals to borrowers whose address is in Stephen, in any county, FY2020 to FY2026. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Stephen
Flood risk in Stephen
- NFIP communityCity of Stephen
- NFIP community number270273
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date03/23/21
The City of Stephen participates in the National Flood Insurance Program as community 270273 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Marshall County, not Stephen
Marshall County context, not Stephen figures
- Establishments in Marshall County259
- Covered employment, Marshall County2,435
- Average annual pay, Marshall County$56,634
- Housing units permitted, Marshall County2
Every figure in this section is published for Marshall County as a whole and is not a measurement of Stephen.
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
Stephen questions, answered from the record.
How many people live in Stephen, Minnesota?
526, in 229 households. Stephen city covers 0.79 square miles of land, which is 668 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Stephen in?
Marshall 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 Stephen?
$71,250. The median owner-occupied home is valued at $87,500. Median gross rent is $1,063 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Stephen businesses?
4 7(a) approvals totaling $5.4 m since FY2020, across 2 lenders, median approval $617,000. These count approvals to borrowers whose address is in Stephen, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Stephen borrowers get paid back?
No rate is published for Stephen. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Stephen in the National Flood Insurance Program?
Yes. Stephen appears in the FEMA Community Status Book as Stephen, city of, community 270273, with no Community Rating System class, so no CRS discount applies. 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 Stephen figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Marshall 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 Stephen.
Is zoning published for Stephen?
No. Nothing on this page presents parcel level zoning.
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