HomeMinnesotaStearns CountyPaynesville
Paynesville, Minnesota: commercial real estate data.
Paynesville is a Census city of 2,519 people across 2.29 square miles of land, in Stearns County. Median household income is $75,250, 68.6 percent of occupied homes are owned, and the SBA record carries 12 7(a) approvals to borrowers here worth $2.7 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Paynesville
What Paynesville is
- Census place typecity
- Land area2.29 sq mi
- Water area0 sq mi
- Population per square mile of land1,100
- County holding the largest share of its areaStearns 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.
Paynesville
How many people live in Paynesville
- Population2,519
- Median age36.1
- Population under 18554 plus or minus 125
- Share under 1822.0 percent plus or minus 4.9
- Population 65 and over682
- Share 65 and over27.1 percent
- Households1,113
- Family households660
- Share of households that are families59.3 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Paynesville
Income and work in Paynesville
- Median household income$75,250
- Per capita income$34,748
- Civilian labor force1,245
- Employed1,215
- Unemployed30 plus or minus 26
- Unemployment rate2.4 percent plus or minus 2.1
- Adults 25 and over1,704
- Adults 25 and over with a high school diploma or higher93.7 percent
- Adults 25 and over with a bachelor degree or higher27.2 percent plus or minus 6.0
- Adults 25 and over with a graduate degree7.5 percent plus or minus 3.3
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Paynesville
Housing in Paynesville
- Housing units1,248
- Occupied units1,113
- Vacant units135 plus or minus 63
- Vacancy rate10.8 percent plus or minus 5.0
- Owner occupied764
- Renter occupied349 plus or minus 97
- Ownership rate68.6 percent
- Median owner-occupied home value$178,200
- Median gross rent, monthly$815 plus or minus $272
- Annual rent as a share of median income13.0 percent plus or minus 5.0
- Single family units881
- Share single family70.6 percent
- Units in buildings of two or more363 plus or minus 101
- Share in buildings of two or more29.1 percent plus or minus 7.8
- Mobile homes4 plus or minus 7
- Median year structure built1972
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Paynesville
How Paynesville gets to work
- Workers 16 and over who commute1,119
- Commuting under 15 minutes448 plus or minus 111
- Share commuting under 15 minutes40.0 percent plus or minus 8.8
- Commuting 30 minutes or more360 plus or minus 101
- Share commuting 30 minutes or more32.2 percent plus or minus 8.3
- Drove alone82.2 percent
- Carpooled5.3 percent plus or minus 5.2
- Public transport0.1 percent plus or minus 0.2
- Walked5.6 percent plus or minus 5.6
- Worked from home6.5 percent plus or minus 3.0
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Paynesville
SBA loans in Paynesville (7(a))
- Approvals12
- Gross approval$2,741,100
- Average approval$228,425
- Median approval$184,850
- Largest approval$500,000
- Jobs supported57
- Jobs per approval4.8
- Loans with a final outcome6
- Paid in full6
- Charged off0
- Median term119 months
- Share on real estate terms of 20 years or more8.3 percent
- Share to franchises0.0 percent
- Distinct lenders5
- Distinct industries by NAICS9
Counted by borrower city: approvals to borrowers whose address is in Paynesville, in any county, FY2020 to FY2026. Only 6 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.
Paynesville
SBA loans in Paynesville (504)
- Approvals11
- Gross approval$6,100,000
- Average approval$554,545
- Median approval$414,000
- Largest approval$1,570,000
- Jobs supported104
- Loans with a final outcome5
- Charged off0
- Median term240 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Paynesville, in any county, FY2010 to FY2026. Only 5 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.
Paynesville
Flood risk in Paynesville
- NFIP communityCity of Paynesville
- NFIP community number270452
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date02/16/12
The City of Paynesville participates in the National Flood Insurance Program as community 270452 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.
Stearns County, not Paynesville
Stearns County context, not Paynesville figures
- Establishments in Stearns County4,474
- Covered employment, Stearns County87,252
- Average annual pay, Stearns County$62,313
- Housing units permitted, Stearns County572
Every figure in this section is published for Stearns County as a whole and is not a measurement of Paynesville.
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
Paynesville questions, answered from the record.
How many people live in Paynesville, Minnesota?
2,519, in 1,113 households. Paynesville city covers 2.29 square miles of land, which is 1,100 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Paynesville in?
Stearns 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 Paynesville?
$75,250. The median owner-occupied home is valued at $178,200. Median gross rent is $815 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Paynesville businesses?
12 7(a) approvals totaling $2.7 m since FY2020, across 5 lenders, median approval $184,850, plus 11 504 approvals worth $6.1 m since FY2010. These count approvals to borrowers whose address is in Paynesville, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Paynesville borrowers get paid back?
No rate is published for Paynesville. Only 6 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 Paynesville in the National Flood Insurance Program?
Yes. Paynesville appears in the FEMA Community Status Book as Paynesville, city of, community 270452, 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 Paynesville figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Stearns 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 Paynesville.
Is zoning published for Paynesville?
No. Nothing on this page presents parcel level zoning.