Roseau County, Minnesota: commercial real estate data.
Roseau County, Minnesota had an estimated 15,265 residents on July 1, 2024, down 0.5 percent since the 2020 census base of 15,336, across 1,672 square miles. County output reached $1.70 bn in 2024, 429 establishments operate here, and the SBA record carries 7 7(a) approvals worth $11.1 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Roseau County
How many people live in Roseau County
- Population, American Community Survey 2020-202415,302
- Households6,296
- Average household size2.43
- Median household income$74,474
- Median age41.9
- Median gross rent$880 per month
- Median owner-occupied home value$183,700
- Home value to household income2.5 times
- Annual rent as a share of median income14.2 percent
- Adults 25 and over with a bachelor degree or higher21.4 percent
- Adults 25 and over with a graduate degree4.5 percent
- Adults 25 and over10,570
- Population under 183,643
- Share under 1823.8 percent
- Population 65 and over2,930
- Share 65 and over19.1 percent
- Working age population, 18 to 648,729
- Civilian labor force8,019
- Unemployment rate3.7 percent
- Labor force participation, adults 18 and over68.8 percent
- Rank by population among Minnesota counties55th of 87
- Rank by population among US county-equivalents, Puerto Rico included2144th of 3,222
Roseau County is the 55th largest of 87 Minnesota counties by population. A median home costs 2.5 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 23.8 percent against 19.1 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Roseau County
Is Roseau County's population growing?
- Population, July 1, 202415,265
- Census 2020 base population15,336
- Population change since the 2020 census base-0.46 percent
- Population change, 2023 to 2024-28
- Births, 2024177
- Deaths, 2024159
- Natural change, 202418
- Net domestic migration, 2024-68
- Net international migration, 202421
- Total net migration, 2024-47
- Cumulative net domestic migration, 2021 to 2024-124
- Rank by growth among US county-equivalents2004th of 3,144
The county has lost 0.46 percent of its population since the 2020 census base. More people left than moved in during 2024 and births over deaths did not make up the difference, so the population fell.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Roseau County
Where are people moving to Roseau County from?
- Tax returns filed by households arriving303
- People arriving, from those returns543
- Tax returns filed by households leaving304
- Net household movement-1
- Adjusted gross income arriving$17.6 m
- Net adjusted gross income movement$-2.4 m
- Average income of an arriving household$58,218
- Average income of a leaving household$65,987
- Largest single originLake of the Woods County (21 households)
- Largest single destinationPennington County (20 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Lake of the Woods County | 21 | 40 | $690,000 |
Households arriving report $7,769 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is Lake of the Woods 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.
Roseau County
What is the Roseau County economy?
- County GDP, 2024$1.70 bn
- County GDP, 2023$1.75 bn
- GDP change, 2023 to 2024-2.8 percent
- GDP change over five years43.2 percent
- Rank by GDP among the Minnesota areas BEA publishes37th of 87
- Rank by GDP among the US county areas BEA publishes1416th of 3,127
- GDP per resident$111,040
Output grew -2.8 percent in the latest year and 43.2 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.
Roseau County
Employment by industry in Roseau County
- Covered employment, annual average7,971
- Establishments reporting474
- Average annual pay$62,932
- Average weekly wage$1,210
- Manufacturing, employment4,067
- Manufacturing, average annual pay$75,365
- Health care and social assistance, employment775
- Health care and social assistance, average annual pay$62,243
- Retail trade, employment626
- Retail trade, average annual pay$30,903
- Accommodation and food services, employment387
- Accommodation and food services, average annual pay$18,806
- Other services, except public administration, employment182
- Finance and insurance, employment164
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 4,067 | 26 | $75,365 |
| Health care and social assistance | 775 | 37 | $62,243 |
| Retail trade | 626 | 70 | $30,903 |
| Accommodation and food services | 387 | 45 | $18,806 |
| Other services, except public administration | 182 | 36 | $37,592 |
| Finance and insurance | 164 | 25 | $75,683 |
| Transportation and warehousing | 144 | 18 | $69,109 |
| Agriculture, forestry, fishing and hunting | 111 | 33 | $55,873 |
Manufacturing is the largest private sector at 4,067 jobs, 51.0 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Roseau County
How many businesses are in Roseau County?
- Establishments, all industries429
- Employment at those establishments7,162
- Annual payroll$395.5 m
- Establishments per 1,000 residents28.0
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.
Roseau County
Building permits in Roseau County
- Housing units authorized by permit, 202422
- Declared construction value permitted$3.6 m
- Single family units authorized20
- Multifamily units authorized2
- Multifamily share of units9.1 percent
- Average declared value per unit$162,919
- Units authorized per 1,000 households3.5
Single-family homes are 90.9 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Roseau County
SBA loans in Roseau County (7(a) and 504)
- 7(a) approvals recorded7
- 7(a) gross approval dollars$11.1 m
- Average 7(a) approval$1,581,929
- Median 7(a) approval$2,102,500
- Largest single approval$2,880,000
- Jobs reported supported, 7(a)94
- Jobs per approval13.4
- Distinct 7(a) lenders active4
- Distinct industries receiving approvals6
- Median 7(a) term300 months
- Share of loans on real estate terms, 240 months or longer71.4 percent
- Loans on real estate terms5
- Loans on working capital terms, 120 months or shorter1
- Franchise loans0
- Franchise share of approvals0.0 percent
- Most active lenderCitizens State Bank of Roseau (3)
- 504 approvals recorded3
- 504 gross approval dollars$995,000
- Average 504 approval$331,667
- Median 504 approval$314,000
- Distinct CDCs active2
- 504 jobs per approval9.3
- 504 jobs per million dollars approved28.1
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$12.1 m
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.
Roseau County
SBA loan default and charge-off rates in Roseau County
Do SBA loans in Roseau County get paid back?
- Loans with a final outcome recorded1
- Paid in full1
- Charged off0
- Status: Exempt from disclosure6
- Status: Paid in full1
Only 1 loan has 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.
Roseau County
SBA lending by place in Roseau County
- Borrower cities with recorded lending3
- Roseau, approvals3
- Warroad, approvals3
- Greenbush, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Roseau | 3 | $5,691,000 |
| Warroad | 3 | $5,002,500 |
| Greenbush | 1 | $380,000 |
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Roseau County
How large is Roseau County?
- Land area1,672 sq mi
- Rank by land area among Minnesota counties11th of 87
- Width, east to west59.9 mi
- Height, north to south31.9 mi
- Geographies sharing a boundary4
- Residents per square mile of land9
- Establishments per square mile0.26
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.
Roseau County
Flood risk in Roseau County
- Participation of the county's own NFIP community Roseau County, unincorporated areasParticipating, community 270633
- Communities in the county in the NFIP Community Status Book5
- Of those, participating in the NFIP5
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
- Radon levels in Roseau 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 Roseau County (community 270633), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Roseau 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. 100.0 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 Roseau 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 Roseau County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202415,302
- Households6,296
- Average household size2.43
- Median household income$74,474
- Median age41.9
Common questions
Roseau County questions, answered from the record.
How many people live in Roseau County, Minnesota?
The Census Bureau estimates 15,265 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 15,302, in 6,296 households, ranking 55th of 87 Minnesota counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Roseau County's population growing?
The population has fallen 0.46 percent since the 2020 census base of 15,336, to 15,265 on July 1, 2024. In 2024 there were 177 births against 159 deaths, with net migration of -47. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Roseau County?
$74,474. The median owner-occupied home is valued at $183,700, which is 2.5 times income, and median gross rent is $880 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Roseau County?
429 establishments, employing 7,162 people with an annual payroll of $395.5 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 Roseau County?
Manufacturing is the largest private sector at 4,067 jobs, 51.0 percent of covered employment. Covered employment averages 7,971 jobs at an average annual pay of $62,932, or $1,210 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Roseau County?
7 7(a) approvals totaling $11.1 m since FY2020, across 4 lenders, with a median approval of $2,102,500, plus 3 504 approvals worth $995,000 since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Roseau County?
22 housing units were authorized by permit in 2024, with a declared construction value of $3.6 m. Multifamily was 9.1 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Roseau 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 Roseau County come from?
The largest single origin is Lake of the Woods County, with 21 households. Arriving households report an average income of $58,218 against $65,987 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Roseau 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 Roseau 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.
Roseau County
Cities and places in Roseau.
6 Census places lie wholly or partly in Roseau County. All 6 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 |
|---|---|---|---|---|
| Roseau | city | 2,736 | 3 | Wholly in this county |
| Warroad | city | 1,959 | 3 | Wholly in this county |
| Greenbush | city | 678 | 1 | Wholly in this county |
| Badger | city | 391 | None recorded | Wholly in this county |
| Roosevelt | city | 150 | None recorded | 97.5 percent here, 2.5 percent Lake of the Woods County |
| Strathcona | city | 34 | None recorded | Wholly in this county |
Nearby