HomeMinnesotaMille Lacs CountyMilaca
Milaca, Minnesota: commercial real estate data.
Milaca is a Census city of 3,044 people across 3.42 square miles of land, in Mille Lacs County. Median household income is $49,588, 58.4 percent of occupied homes are owned, and the SBA record carries 9 7(a) approvals to borrowers here worth $4.5 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Milaca
What Milaca is
- Census place typecity
- Land area3.42 sq mi
- Water area0.21 sq mi
- Population per square mile of land890
- County holding the largest share of its areaMille Lacs 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.
Milaca
How many people live in Milaca
- Population3,044
- Median age46.6
- Population under 18442 plus or minus 142
- Share under 1814.5 percent plus or minus 4.7
- Population 65 and over686 plus or minus 155
- Share 65 and over22.5 percent plus or minus 5.1
- Households1,586
- Family households748
- Share of households that are families47.2 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Milaca
Income and work in Milaca
- Median household income$49,588
- Per capita income$33,952
- Civilian labor force1,731
- Employed1,677
- Unemployed54 plus or minus 44
- Unemployment rate3.1 percent plus or minus 2.5
- Adults 25 and over2,436
- Adults 25 and over with a high school diploma or higher90.2 percent
- Adults 25 and over with a bachelor degree or higher15.2 percent plus or minus 4.9
- Adults 25 and over with a graduate degree3.4 percent plus or minus 2.1
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Milaca
Housing in Milaca
- Housing units1,726
- Occupied units1,586
- Vacant units140 plus or minus 99
- Vacancy rate8.1 percent plus or minus 5.7
- Owner occupied926
- Renter occupied660 plus or minus 152
- Ownership rate58.4 percent
- Median owner-occupied home value$203,400
- Median gross rent, monthly$835
- Annual rent as a share of median income20.2 percent
- Single family units940
- Share single family54.5 percent
- Units in buildings of two or more659 plus or minus 187
- Share in buildings of two or more38.2 percent plus or minus 10.5
- Mobile homes127 plus or minus 58
- Median year structure built1978
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Milaca
How Milaca gets to work
- Workers 16 and over who commute1,487
- Commuting under 15 minutes455 plus or minus 152
- Share commuting under 15 minutes30.6 percent plus or minus 9.8
- Commuting 30 minutes or more611 plus or minus 158
- Share commuting 30 minutes or more41.1 percent plus or minus 9.9
- Drove alone75.1 percent
- Carpooled9.2 percent plus or minus 6.5
- Public transport0.4 percent plus or minus 0.7
- Walked3.7 percent plus or minus 2.6
- Worked from home9.5 percent plus or minus 4.9
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Milaca
SBA loans in Milaca (7(a))
- Approvals9
- Gross approval$4,459,000
- Average approval$495,444
- Median approval$250,000
- Largest approval$1,390,000
- Jobs supported102
- Jobs per approval11.3
- Loans with a final outcome4
- Paid in full4
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more33.3 percent
- Share to franchises0.0 percent
- Distinct lenders7
- Distinct industries by NAICS9
Counted by borrower city: approvals to borrowers whose address is in Milaca, in any county, FY2020 to FY2026. Only 4 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.
Milaca
SBA loans in Milaca (504)
- Approvals8
- Gross approval$5,185,000
- Average approval$648,125
- Median approval$532,500
- Largest approval$1,915,000
- Jobs supported40
- Loans with a final outcome4
- Charged off0
- Median term240 months
- Distinct CDCs3
Counted by borrower city: approvals to borrowers whose address is in Milaca, in any county, FY2010 to FY2026. Only 4 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.
Milaca
Flood risk in Milaca
- NFIP communityCity of Milaca
- NFIP community number270289
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date03/04/13
The City of Milaca participates in the National Flood Insurance Program as community 270289 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.
Mille Lacs County, not Milaca
Mille Lacs County context, not Milaca figures
- Establishments in Mille Lacs County742
- Covered employment, Mille Lacs County9,372
- Average annual pay, Mille Lacs County$47,582
- Housing units permitted, Mille Lacs County162
Every figure in this section is published for Mille Lacs County as a whole and is not a measurement of Milaca.
All Mille Lacs County figures →
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
Milaca questions, answered from the record.
How many people live in Milaca, Minnesota?
3,044, in 1,586 households. Milaca city covers 3.42 square miles of land, which is 890 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Milaca in?
Mille Lacs 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 Milaca?
$49,588. The median owner-occupied home is valued at $203,400. Median gross rent is $835 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Milaca businesses?
9 7(a) approvals totaling $4.5 m since FY2020, across 7 lenders, median approval $250,000, plus 8 504 approvals worth $5.2 m since FY2010. These count approvals to borrowers whose address is in Milaca, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Milaca borrowers get paid back?
No rate is published for Milaca. Only 4 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 Milaca in the National Flood Insurance Program?
Yes. Milaca appears in the FEMA Community Status Book as Milaca, city of, community 270289, 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 Milaca figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Mille Lacs 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 Milaca.
Is zoning published for Milaca?
No. Nothing on this page presents parcel level zoning.
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