Chippewa County, Wisconsin: commercial real estate data.
Chippewa County, Wisconsin had an estimated 67,323 residents on July 1, 2024, up 1.5 percent since the 2020 census base of 66,301, across 1,008 square miles. County output reached $3.85 bn in 2024, 1,660 establishments operate here, and the SBA record carries 81 7(a) approvals worth $35.5 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Chippewa County
How many people live in Chippewa County
- Population, American Community Survey 2020-202466,799
- Households27,139
- Average household size2.46
- Median household income$74,680
- Median age42.2
- Median gross rent$963 per month
- Median owner-occupied home value$257,900
- Home value to household income3.5 times
- Annual rent as a share of median income15.5 percent
- Adults 25 and over with a bachelor degree or higher24.2 percent
- Adults 25 and over with a graduate degree6.4 percent
- Adults 25 and over47,892
- Population under 1814,291
- Share under 1821.4 percent
- Population 65 and over13,188
- Share 65 and over19.7 percent
- Working age population, 18 to 6439,320
- Civilian labor force34,270
- Unemployment rate3.1 percent
- Labor force participation, adults 18 and over65.3 percent
- Rank by population among Wisconsin counties24th of 72
- Rank by population among US county-equivalents, Puerto Rico included821st of 3,222
Chippewa County is the 24th largest of 72 Wisconsin counties by population. A median home costs 3.5 times median household income, which is moderately unaffordable by national standards. Residents under 18 outnumber those 65 and over, at 21.4 percent against 19.7 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Chippewa County
Is Chippewa County's population growing?
- Population, July 1, 202467,323
- Census 2020 base population66,301
- Population change since the 2020 census base1.54 percent
- Population change, 2023 to 2024374
- Births, 2024647
- Deaths, 2024672
- Natural change, 2024-25
- Net domestic migration, 2024377
- Net international migration, 202422
- Total net migration, 2024399
- Cumulative net domestic migration, 2021 to 20241,045
- Rank by growth among US county-equivalents1317th of 3,144
The county has grown 1.54 percent since the 2020 census base. Deaths exceeded births in 2024 and the population still grew, so all of the growth came from people moving in. A market held up by migration is more sensitive to a change in relative cost than one growing from household formation.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Chippewa County
Where are people moving to Chippewa County from?
- Tax returns filed by households arriving1,915
- People arriving, from those returns3,241
- Tax returns filed by households leaving1,798
- Net household movement117
- Adjusted gross income arriving$118.3 m
- Net adjusted gross income movement$8.7 m
- Average income of an arriving household$61,785
- Average income of a leaving household$60,992
- Largest single originEau Claire County (754 households)
- Largest single destinationEau Claire County (594 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Eau Claire County | 754 | 1,272 | $40.1 m |
| Dunn County | 113 | 203 | $6.3 m |
| Barron County | 103 | 168 | $5.7 m |
| Clark County | 67 | 117 | $2.6 m |
| Rusk County | 36 | 64 | $1.4 m |
| Dane County | 31 | 54 | $2.5 m |
| Trempealeau County | 28 | 51 | $1.3 m |
| Hennepin County | 26 | 37 | $1.6 m |
Households arriving report $793 more average income than households leaving, so the migration is raising local spending power rather than just moving it around. The largest single source of arrivals is Eau Claire 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.
Chippewa County
What is the Chippewa County economy?
- County GDP, 2024$3.85 bn
- County GDP, 2023$3.71 bn
- GDP change, 2023 to 20243.8 percent
- GDP change over five years32.8 percent
- Rank by GDP among the Wisconsin areas BEA publishes26th of 72
- Rank by GDP among the US county areas BEA publishes828th of 3,127
- GDP per resident$57,699
Output grew 3.8 percent in the latest year and 32.8 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.
Chippewa County
Employment by industry in Chippewa County
- Covered employment, annual average26,613
- Establishments reporting1,963
- Average annual pay$53,189
- Average weekly wage$1,023
- Manufacturing, employment5,662
- Manufacturing, average annual pay$66,492
- Retail trade, employment3,387
- Retail trade, average annual pay$40,830
- Health care and social assistance, employment3,333
- Health care and social assistance, average annual pay$46,242
- Accommodation and food services, employment2,061
- Accommodation and food services, average annual pay$17,560
- Construction, employment1,808
- Transportation and warehousing, employment1,569
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 5,662 | 128 | $66,492 |
| Retail trade | 3,387 | 200 | $40,830 |
| Health care and social assistance | 3,333 | 387 | $46,242 |
| Accommodation and food services | 2,061 | 176 | $17,560 |
| Construction | 1,808 | 231 | $75,416 |
| Transportation and warehousing | 1,569 | 113 | $47,757 |
| Wholesale trade | 990 | 86 | $70,309 |
| Other services, except public administration | 793 | 116 | $41,627 |
Manufacturing is the largest private sector at 5,662 jobs, 21.3 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Chippewa County
How many businesses are in Chippewa County?
- Establishments, all industries1,660
- Employment at those establishments22,890
- Annual payroll$1.30 bn
- Establishments per 1,000 residents24.9
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.
Chippewa County
Building permits in Chippewa County
- Housing units authorized by permit, 2024364
- Declared construction value permitted$100.7 m
- Single family units authorized190
- Multifamily units authorized174
- Multifamily share of units47.8 percent
- Average declared value per unit$276,687
- Units authorized per 1,000 households13.4
Multifamily is 47.8 percent of units authorized, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Chippewa County
SBA loans in Chippewa County (7(a) and 504)
- 7(a) approvals recorded81
- 7(a) gross approval dollars$35.5 m
- Average 7(a) approval$438,858
- Median 7(a) approval$200,000
- 10th percentile approval$35,000
- 90th percentile approval$1,000,000
- Largest single approval$4,990,100
- Jobs reported supported, 7(a)988
- Jobs per approval12.2
- Distinct 7(a) lenders active18
- Distinct industries receiving approvals50
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer21.0 percent
- Loans on real estate terms17
- Loans on working capital terms, 120 months or shorter60
- Franchise loans3
- Franchise share of approvals3.7 percent
- Leading industry by approval countLandscaping Services (6)
- Most active lenderCCFBank National Association (31)
- 504 approvals recorded52
- 504 gross approval dollars$41.6 m
- Average 504 approval$799,269
- Median 504 approval$542,500
- Distinct CDCs active2
- 504 jobs per approval15.4
- 504 jobs per million dollars approved19.3
- Most active CDCWBD, Inc. (51)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$77.1 m
The average approval of $438,858 sits well above the median of $200,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 21.0 percent of approvals run on real estate terms, so SBA credit here is mostly working capital and equipment rather than property acquisition.
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.
Chippewa County
SBA loan default and charge-off rates in Chippewa County
Do SBA loans in Chippewa County get paid back?
- Loans with a final outcome recorded20
- Paid in full19
- Charged off1
- Status: Exempt from disclosure50
- Status: Cancelled6
- Status: Paid in full19
- Status: Charged off1
- Status: Committed, not yet disbursed5
Only 20 loans have 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.
Chippewa County
SBA lending by place in Chippewa County
- Borrower cities with recorded lending10
- Chippewa Falls, approvals37
- Bloomer, approvals13
- Eau Claire, approvals7
- Cadott, approvals7
- Holcombe, approvals6
- Stanley, approvals4
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Chippewa Falls | 37 | $15,766,500 |
| Bloomer | 13 | $2,348,000 |
| Eau Claire | 7 | $10,315,200 |
| Cadott | 7 | $1,498,800 |
| Holcombe | 6 | $695,000 |
| Stanley | 4 | $1,273,000 |
| Cornell | 3 | $1,253,000 |
| Boyd | 2 | $1,097,500 |
| 2 other borrower cities | 2 | $1,300,500 |
Chippewa Falls accounts for 37 approvals against 13 in Bloomer. County level figures average over that gap, which is why a site decision is made at the submarket rather than the county.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Chippewa County
How large is Chippewa County?
- Land area1,008 sq mi
- Rank by land area among Wisconsin counties13th of 72
- Width, east to west36.3 mi
- Height, north to south30.1 mi
- Geographies sharing a boundary6
- Residents per square mile of land66
- Establishments per square mile1.65
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.
Chippewa County
Flood risk in Chippewa County
- Participation of the county's own NFIP community Chippewa County, unincorporated areasParticipating, community 555549
- Communities in the county in the NFIP Community Status Book9
- Of those, participating in the NFIP9
- NFIP participation rate100.0 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 9
- Communities carrying a CRS class1
- Radon levels in Chippewa County, EPA zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
The county's own community in the status book, unincorporated Chippewa County (community 555549), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Chippewa County in radon zone 2, a predicted average indoor radon screening level from 2 to 4 pCi/L. The zone is a screening prediction for the county and does not substitute for a test at an address. The best Community Rating System class among the county's communities is 9, which carries a flood insurance premium discount for policies written in that community. 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 Chippewa 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 Chippewa County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202466,799
- Households27,139
- Average household size2.46
- Median household income$74,680
- Median age42.2
Common questions
Chippewa County questions, answered from the record.
How many people live in Chippewa County, Wisconsin?
The Census Bureau estimates 67,323 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 66,799, in 27,139 households, ranking 24th of 72 Wisconsin counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Chippewa County's population growing?
The population has grown 1.54 percent since the 2020 census base of 66,301, to 67,323 on July 1, 2024. In 2024 there were 647 births against 672 deaths, with net migration of 399. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Chippewa County?
$74,680. The median owner-occupied home is valued at $257,900, which is 3.5 times income, and median gross rent is $963 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Chippewa County?
1,660 establishments, employing 22,890 people with an annual payroll of $1.30 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is employment by industry in Chippewa County?
Manufacturing is the largest private sector at 5,662 jobs, 21.3 percent of covered employment. Covered employment averages 26,613 jobs at an average annual pay of $53,189, or $1,023 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Chippewa County?
81 7(a) approvals totaling $35.5 m since FY2020, across 18 lenders, with a median approval of $200,000, plus 52 504 approvals worth $41.6 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Chippewa County?
364 housing units were authorized by permit in 2024, with a declared construction value of $100.7 m. Multifamily was 47.8 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Chippewa County?
Zone 2, a predicted average indoor radon screening level from 2 to 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 Chippewa County come from?
The largest single origin is Eau Claire County, with 754 households. Arriving households report an average income of $61,785 against $60,992 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Chippewa 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 Chippewa 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.
Chippewa County
Cities and places in Chippewa.
12 Census places lie wholly or partly in Chippewa County. All 12 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 |
|---|---|---|---|---|
| Eau Claire | city | 70,322 | 7 | 12.3 percent here, 87.7 percent Eau Claire County |
| Chippewa Falls | city | 14,782 | 37 | Wholly in this county |
| Lake Hallie | village | 7,285 | None recorded | Wholly in this county |
| Stanley | city | 3,760 | 4 | 88.6 percent here, 11.4 percent Clark County |
| Bloomer | city | 3,673 | 13 | Wholly in this county |
| Lake Wissota | CDP | 3,184 | None recorded | Wholly in this county |
| Cadott | village | 1,449 | 7 | Wholly in this county |
| Cornell | city | 1,307 | 3 | Wholly in this county |
| Boyd | village | 566 | 2 | Wholly in this county |
| New Auburn | village | 531 | None recorded | 92.1 percent here, 7.9 percent Barron County |
| Jim Falls | CDP | 339 | 1 | Wholly in this county |
| Holcombe | CDP | 237 | 6 | Wholly in this county |
A further 1 of the county's 81 SBA 7(a) approvals are to borrowers in cities that match no Census place in Chippewa County, the largest being Elk Mound (1). Those are postal cities, unincorporated areas and cities outside the county, so no place row claims them; they are counted in the county total above.
Nearby