HomeMinnesotaWright CountySt. Michael
St. Michael, Minnesota: commercial real estate data.
St. Michael is a Census city of 20,010 people across 32.67 square miles of land, in Wright County. Median household income is $131,274, 90.1 percent of occupied homes are owned, and the SBA record carries 38 7(a) approvals to borrowers here worth $9.3 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
St. Michael
What St. Michael is
- Census place typecity
- Land area32.67 sq mi
- Water area3.7 sq mi
- Population per square mile of land612
- County holding the largest share of its areaWright 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.
St. Michael
How many people live in St. Michael
- Population20,010
- Median age37.6
- Population under 185,515
- Share under 1827.6 percent
- Population 65 and over2,052
- Share 65 and over10.3 percent
- Households7,189
- Family households5,468
- Share of households that are families76.1 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. Michael
Income and work in St. Michael
- Median household income$131,274
- Per capita income$54,378
- Civilian labor force12,124
- Employed11,768
- Unemployed356 plus or minus 201
- Unemployment rate2.9 percent plus or minus 1.7
- Adults 25 and over12,898
- Adults 25 and over with a high school diploma or higher98.1 percent
- Adults 25 and over with a bachelor degree or higher43.7 percent
- Adults 25 and over with a graduate degree12.0 percent plus or minus 2.9
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. Michael
Housing in St. Michael
- Housing units7,307
- Occupied units7,189
- Vacant units118 plus or minus 125
- Vacancy rate1.6 percent plus or minus 1.7
- Owner occupied6,476
- Renter occupied713 plus or minus 220
- Ownership rate90.1 percent
- Median owner-occupied home value$390,100
- Median gross rent, monthly$1,483
- Annual rent as a share of median income13.6 percent
- Single family units6,950
- Share single family95.1 percent
- Units in buildings of two or more357 plus or minus 177
- Share in buildings of two or more4.9 percent plus or minus 2.4
- Mobile homes0
- Median year structure built1998
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. Michael
How St. Michael gets to work
- Workers 16 and over who commute9,404
- Commuting under 15 minutes1,945 plus or minus 439
- Share commuting under 15 minutes20.7 percent plus or minus 4.4
- Commuting 30 minutes or more4,809
- Share commuting 30 minutes or more51.1 percent
- Drove alone72.6 percent
- Carpooled7.6 percent plus or minus 2.8
- Public transport0.2 percent plus or minus 0.4
- Walked0.3 percent plus or minus 0.4
- Worked from home19.1 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. Michael
SBA loans in St. Michael (7(a))
- Approvals38
- Gross approval$9,308,000
- Average approval$244,947
- Median approval$75,000
- Ninetieth percentile approval$728,050
- Largest approval$1,215,000
- Jobs supported281
- Jobs per approval7.4
- Loans with a final outcome12
- Paid in full11
- Charged off1
- Median term120 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises0.0 percent
- Distinct lenders15
- Distinct industries by NAICS25
Counted by borrower city: approvals to borrowers whose address is in St. Michael, in any county, FY2020 to FY2026. Only 12 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.
St. Michael
SBA loans in St. Michael (504)
- Approvals20
- Gross approval$10,434,000
- Average approval$521,700
- Median approval$373,000
- Largest approval$2,025,000
- Jobs supported86
- Loans with a final outcome9
- Charged off0
- Median term240 months
- Distinct CDCs5
Counted by borrower city: approvals to borrowers whose address is in St. Michael, in any county, FY2010 to FY2026. Only 9 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.
St. Michael
Flood risk in St. Michael
- NFIP communityCity of St. Michael
- NFIP community number270543
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date06/20/24
The City of St. Michael participates in the National Flood Insurance Program as community 270543 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.
Wright County, not St. Michael
Wright County context, not St. Michael figures
- Establishments in Wright County3,680
- Covered employment, Wright County48,758
- Average annual pay, Wright County$55,999
- Housing units permitted, Wright County1,264
Every figure in this section is published for Wright County as a whole and is not a measurement of St. Michael.
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
St. Michael questions, answered from the record.
How many people live in St. Michael, Minnesota?
20,010, in 7,189 households. St. Michael city covers 32.67 square miles of land, which is 612 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is St. Michael in?
Wright 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 St. Michael?
$131,274. The median owner-occupied home is valued at $390,100. Median gross rent is $1,483 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to St. Michael businesses?
38 7(a) approvals totaling $9.3 m since FY2020, across 15 lenders, median approval $75,000, plus 20 504 approvals worth $10.4 m since FY2010. These count approvals to borrowers whose address is in St. Michael, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to St. Michael borrowers get paid back?
No rate is published for St. Michael. Only 12 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 St. Michael in the National Flood Insurance Program?
Yes. St. Michael appears in the FEMA Community Status Book as St. Michael, city of, community 270543, 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 St. Michael figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Wright 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 St. Michael.
Is zoning published for St. Michael?
No. Nothing on this page presents parcel level zoning.
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