HomeMinnesotaMille Lacs CountyOnamia
Onamia, Minnesota: commercial real estate data.
Onamia is a Census city of 719 people across 0.98 square miles of land, in Mille Lacs County. Median household income is $32,750, 51.1 percent of occupied homes are owned, and the SBA record carries 10 7(a) approvals to borrowers here worth $5.8 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Onamia
What Onamia is
- Census place typecity
- Land area0.98 sq mi
- Water area0.02 sq mi
- Population per square mile of land732
- 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.
Onamia
How many people live in Onamia
- Population719
- Median age45.9
- Population under 18178 plus or minus 52
- Share under 1824.8 percent plus or minus 6.2
- Population 65 and over216
- Share 65 and over30.0 percent
- Households329
- Family households128 plus or minus 30
- Share of households that are families38.9 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Onamia
Income and work in Onamia
- Median household income$32,750 plus or minus $8,644
- Per capita income$25,184
- Civilian labor force240
- Employed225
- Unemployed15 plus or minus 11
- Unemployment rate6.3 percent plus or minus 4.4
- Adults 25 and over512
- Adults 25 and over with a high school diploma or higher90.2 percent
- Adults 25 and over with a bachelor degree or higher18.9 percent plus or minus 4.9
- Adults 25 and over with a graduate degree7.4 percent plus or minus 3.2
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Onamia
Housing in Onamia
- Housing units382
- Occupied units329
- Vacant units53 plus or minus 22
- Vacancy rate13.9 percent plus or minus 5.4
- Owner occupied168
- Renter occupied161 plus or minus 34
- Ownership rate51.1 percent
- Median owner-occupied home value$122,900
- Median gross rent, monthly$656 plus or minus $199
- Annual rent as a share of median income24.0 percent plus or minus 9.7
- Single family units229
- Share single family59.9 percent
- Units in buildings of two or more131 plus or minus 27
- Share in buildings of two or more34.3 percent
- Mobile homes22 plus or minus 13
- Median year structure built1967
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Onamia
How Onamia gets to work
- Workers 16 and over who commute198 plus or minus 44
- Commuting under 15 minutes98 plus or minus 30
- Share commuting under 15 minutes49.5 percent plus or minus 10.2
- Commuting 30 minutes or more66 plus or minus 26
- Share commuting 30 minutes or more33.3 percent plus or minus 10.8
- Drove alone66.2 percent
- Carpooled1.8 percent plus or minus 1.8
- Public transport0.0 percent
- Walked18.5 percent plus or minus 9.2
- Worked from home10.8 percent plus or minus 5.0
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Onamia
SBA loans in Onamia (7(a))
- Approvals10
- Gross approval$5,827,900
- Average approval$582,790
- Median approval$400,000
- Largest approval$1,694,000
- Jobs supported93
- Jobs per approval9.3
- Loans with a final outcome2
- Paid in full2
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more20.0 percent
- Share to franchises20.0 percent
- Distinct lenders4
- Distinct industries by NAICS6
Counted by borrower city: approvals to borrowers whose address is in Onamia, in any county, FY2020 to FY2026. Only 2 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.
Onamia
SBA loans in Onamia (504)
- Approvals4
- Gross approval$2,397,000
- Average approval$599,250
- Median approval$639,000
- Largest approval$846,000
- Jobs supported122
- Loans with a final outcome1
- Charged off0
- Median term240 months
- Distinct CDCs3
Counted by borrower city: approvals to borrowers whose address is in Onamia, in any county, FY2010 to FY2026. Only 1 loan has 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.
Onamia
Flood risk in Onamia
- NFIP communityCity of Onamia
- NFIP community number270290
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date03/04/13
The City of Onamia participates in the National Flood Insurance Program as community 270290 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 Onamia
Mille Lacs County context, not Onamia 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 Onamia.
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
Onamia questions, answered from the record.
How many people live in Onamia, Minnesota?
719, in 329 households. Onamia city covers 0.98 square miles of land, which is 732 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Onamia 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 Onamia?
$32,750. The median owner-occupied home is valued at $122,900. Median gross rent is $656 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Onamia businesses?
10 7(a) approvals totaling $5.8 m since FY2020, across 4 lenders, median approval $400,000, plus 4 504 approvals worth $2.4 m since FY2010. These count approvals to borrowers whose address is in Onamia, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Onamia borrowers get paid back?
No rate is published for Onamia. Only 2 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 Onamia in the National Flood Insurance Program?
Yes. Onamia appears in the FEMA Community Status Book as Onamia, city of, community 270290, 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 Onamia 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 Onamia.
Is zoning published for Onamia?
No. Nothing on this page presents parcel level zoning.
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