HomeMinnesotaWashington CountyStillwater
Stillwater, Minnesota: commercial real estate data.
Stillwater 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 since FY2020.
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$1,148,000
- Largest approval$2,465,000
- Jobs supported799
- Jobs per approval10.1
- Loans with a final outcome26
- Paid in full22
- Charged off4
- 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
Counted by borrower city: approvals to borrowers whose address is in Stillwater, in any county, FY2020 to FY2026. Only 26 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.
Stillwater
SBA loans in Stillwater (504)
- Approvals30
- Gross approval$20,554,000
- Average approval$685,133
- Median approval$388,500
- Largest approval$4,307,000
- Jobs supported340
- Loans with a final outcome11
- Charged off0
- Median term240 months
- Distinct CDCs5
Counted by borrower city: approvals to borrowers whose address is in Stillwater, in any county, FY2010 to FY2026. Only 11 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.
Stillwater
Flood risk in Stillwater
- NFIP communityCity of Stillwater
- NFIP community number275249
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date02/03/10
The City of Stillwater participates in the National Flood Insurance Program as community 275249 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.
Washington County, not Stillwater
Washington County context, not Stillwater figures
- Establishments in Washington County6,542
- Covered employment, Washington County95,625
- Average annual pay, Washington County$60,700
- Housing units permitted, Washington County1,397
Every figure in this section is published for Washington County as a whole and is not a measurement of Stillwater.
All Washington 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
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 totaling $27.9 m since FY2020, across 33 lenders, median approval $117,000, plus 30 504 approvals worth $20.6 m since FY2010. 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?
No rate is published for Stillwater. Only 26 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 Stillwater in the National Flood Insurance Program?
Yes. Stillwater appears in the FEMA Community Status Book as Stillwater, city of, community 275249, 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 Stillwater figures?
No, and they are labeled 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?
No. Nothing on this page presents parcel level zoning.
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