HomeMinnesotaWashington CountyStillwater city
Stillwater city, Minnesota: commercial real estate data.
Stillwater city is a Census city of 19,355 people across 8.05 square miles of land, in Washington County. Median household income is $105,853, 76.7 percent of occupied homes are owned, and the SBA record carries 79 7(a) approvals to borrowers here worth $27.9 m.
78 sourced place values · tier FULL · 8 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Stillwater
What Stillwater is
- Census place typecity
- Land area8.05 sq mi
- Water area1.03 sq mi
- Population per square mile of land2,405
- County holding the largest share of its areaWashington 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.
Stillwater
How many people live in Stillwater
- Population19,355
- Median age42.5
- Population under 184,082
- Share under 1821.1 percent
- Population 65 and over3,840
- Share 65 and over19.8 percent
- Households8,078
- Family households5,098
- Share of households that are families63.1 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Stillwater
Income and work in Stillwater
- Median household income$105,853
- Per capita income$57,943
- Civilian labor force10,523
- Employed10,159
- Unemployed364 plus or minus 123
- Unemployment rate3.5 percent plus or minus 1.1
- Adults 25 and over13,828
- Adults 25 and over with a high school diploma or higher96.2 percent
- Adults 25 and over with a bachelor degree or higher51.0 percent
- Adults 25 and over with a graduate degree19.2 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Stillwater
Housing in Stillwater
- Housing units8,545
- Occupied units8,078
- Vacant units467 plus or minus 237
- Vacancy rate5.5 percent plus or minus 2.8
- Owner occupied6,197
- Renter occupied1,881
- Ownership rate76.7 percent
- Median owner-occupied home value$414,200
- Median gross rent, monthly$1,622
- Annual rent as a share of median income18.4 percent
- Single family units6,875
- Share single family80.5 percent
- Units in buildings of two or more1,618
- Share in buildings of two or more18.9 percent
- Mobile homes52 plus or minus 68
- Median year structure built1980
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Stillwater
How Stillwater gets to work
- Workers 16 and over who commute7,758
- Commuting under 15 minutes3,319 plus or minus 709
- Share commuting under 15 minutes42.8 percent
- Commuting 30 minutes or more2,213
- Share commuting 30 minutes or more28.5 percent
- Drove alone67.8 percent
- Carpooled6.8 percent plus or minus 2.2
- Public transport0.6 percent plus or minus 0.4
- Walked2.0 percent plus or minus 1.1
- Worked from home21.9 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Stillwater
SBA loans in Stillwater (7(a))
- Approvals79
- Gross approval$27,894,800
- Average approval$353,099
- Median approval$117,000
- Ninetieth percentile approval$1,200,000
- Largest approval$2,465,000
- Jobs supported799
- Jobs per approval10.1
- Loans with a final outcome26
- Paid in full22
- Charged off4
- Charge-off rate over resolved loans15.4 percent
- Median term120 months
- Share on real estate terms of 20 years or more3.8 percent
- Share to franchises8.9 percent
- Distinct lenders33
- Distinct industries by NAICS51
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Stillwater
SBA loans in Stillwater (504)
- Approvals30
- Gross approval$20,554,000
- Average approval$685,133
- Median approval$394,000
- Largest approval$4,307,000
- Jobs supported340
- Loans with a final outcome11
- Charged off0
- Charge-off rate over resolved loans0.0 percent
- Median term240 months
- Distinct CDCs5
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Washington County, not Stillwater
Washington County context, not Stillwater figures
These are Washington County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Stillwater measurements.
- Establishments in Washington County6,542
- Employment at those establishments, Washington County95,631
- Covered employment, Washington County95,625
- Average annual pay, Washington County$60,700
- Average weekly wage, Washington County$1,167
- Housing units permitted, Washington County1,397
- Of those, single family, Washington County1,261
- County product, 2024, Washington County$17,077,663,000
- County product change over the prior year, Washington County4.0 percent
- Average income of an arriving household, Washington County$87,864
Every figure in this section is published for Washington County as a whole and is not a measurement of Stillwater. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
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. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- This place is not listed as a community in the FEMA Community Status Book, so no NFIP participation or CRS class is shown.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
Stillwater questions, answered from the record.
How many people live in Stillwater, Minnesota?
19,355, in 8,078 households. Stillwater city covers 8.05 square miles of land, which is 2,405 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Stillwater in?
Washington 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 Stillwater?
$105,853. The median owner-occupied home is valued at $414,200. Median gross rent is $1,622 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Stillwater businesses?
79 7(a) approvals totalling $27.9 m, across 33 lenders, median approval $117,000, plus 30 504 approvals worth $20.6 m. These count approvals to borrowers whose address is in Stillwater, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Stillwater borrowers get paid back?
Of the 26 loans that have reached a final outcome, 22 were paid in full and 4 charged off, a charge off rate of 15.4 percent. Loans still running are excluded because they have not yet succeeded or failed.
Are the county figures on this page Stillwater figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Washington 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 Stillwater.
Is zoning published for Stillwater?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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