Ozaukee County, Wisconsin: commercial real estate data.
Ozaukee County, Wisconsin had an estimated 93,956 residents on July 1, 2024, up 2.7 percent since the 2020 census base of 91,506, across 233 square miles. County output reached $7.07 bn in 2024, 2,832 establishments operate here, and the SBA record carries 153 7(a) approvals worth $91.1 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Ozaukee County
How many people live in Ozaukee County
- Population, American Community Survey 2020-202492,966
- Households38,309
- Average household size2.43
- Median household income$96,996
- Median age43.9
- Median gross rent$1,154 per month
- Median owner-occupied home value$390,200
- Home value to household income4.0 times
- Annual rent as a share of median income14.3 percent
- Adults 25 and over with a bachelor degree or higher51.2 percent
- Adults 25 and over with a graduate degree19.0 percent
- Adults 25 and over65,716
- Population under 1819,455
- Share under 1820.9 percent
- Population 65 and over20,105
- Share 65 and over21.6 percent
- Working age population, 18 to 6453,406
- Civilian labor force49,963
- Unemployment rate2.8 percent
- Labor force participation, adults 18 and over68.0 percent
- Rank by population among Wisconsin counties18th of 72
- Rank by population among US county-equivalents, Puerto Rico included656th of 3,222
Ozaukee County is the 18th largest of 72 Wisconsin counties by population. A median home costs 4.0 times median household income, which is moderately unaffordable by national standards. Residents 65 and over outnumber those under 18, at 21.6 percent against 20.9 percent, which points demand at health care, services and single story product rather than schools.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Ozaukee County
Is Ozaukee County's population growing?
- Population, July 1, 202493,956
- Census 2020 base population91,506
- Population change since the 2020 census base2.68 percent
- Population change, 2023 to 2024436
- Births, 2024821
- Deaths, 2024810
- Natural change, 202411
- Net domestic migration, 2024173
- Net international migration, 2024253
- Total net migration, 2024426
- Cumulative net domestic migration, 2021 to 20241,946
- Rank by growth among US county-equivalents957th of 3,144
The county has grown 2.68 percent since the 2020 census base. The population grew in 2024 from both sources: births exceeded deaths and more people moved in than left.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Ozaukee County
Where are people moving to Ozaukee County from?
- Tax returns filed by households arriving2,748
- People arriving, from those returns4,779
- Tax returns filed by households leaving2,703
- Net household movement45
- Adjusted gross income arriving$401.6 m
- Net adjusted gross income movement$-2.3 m
- Average income of an arriving household$146,125
- Average income of a leaving household$149,391
- Largest single originMilwaukee County (985 households)
- Largest single destinationMilwaukee County (620 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Milwaukee County | 985 | 1,679 | $140.1 m |
| Washington County | 324 | 561 | $29.0 m |
| Waukesha County | 173 | 287 | $30.8 m |
| Sheboygan County | 154 | 272 | $10.0 m |
| Cook County | 63 | 141 | $11.6 m |
| Dane County | 52 | 90 | $5.3 m |
| Fond du Lac County | 31 | 57 | $3.7 m |
| Brown County | 23 | 40 | $2.2 m |
Households arriving report $3,266 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is Milwaukee 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.
Ozaukee County
What is the Ozaukee County economy?
- County GDP, 2024$7.07 bn
- County GDP, 2023$6.93 bn
- GDP change, 2023 to 20242.0 percent
- GDP change over five years29.5 percent
- Rank by GDP among the Wisconsin areas BEA publishes15th of 72
- Rank by GDP among the US county areas BEA publishes580th of 3,127
- GDP per resident$76,087
Output grew 2.0 percent in the latest year and 29.5 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.
Ozaukee County
Employment by industry in Ozaukee County
- Covered employment, annual average41,266
- Establishments reporting3,167
- Average annual pay$58,909
- Average weekly wage$1,133
- Manufacturing, employment8,036
- Manufacturing, average annual pay$74,408
- Health care and social assistance, employment6,914
- Health care and social assistance, average annual pay$61,978
- Retail trade, employment4,595
- Retail trade, average annual pay$34,751
- Accommodation and food services, employment3,956
- Accommodation and food services, average annual pay$21,130
- Professional, scientific and technical services, employment2,430
- Administrative and support and waste management services, employment1,736
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 8,036 | 195 | $74,408 |
| Health care and social assistance | 6,914 | 537 | $61,978 |
| Retail trade | 4,595 | 257 | $34,751 |
| Accommodation and food services | 3,956 | 223 | $21,130 |
| Professional, scientific and technical services | 2,430 | 386 | $76,489 |
| Administrative and support and waste management services | 1,736 | 206 | $45,700 |
| Educational services | 1,617 | 42 | $32,919 |
| Wholesale trade | 1,445 | 224 | $93,885 |
Manufacturing is the largest private sector at 8,036 jobs, 19.5 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Ozaukee County
How many businesses are in Ozaukee County?
- Establishments, all industries2,832
- Employment at those establishments39,792
- Annual payroll$2.30 bn
- Establishments per 1,000 residents30.5
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.
Ozaukee County
Building permits in Ozaukee County
- Housing units authorized by permit, 2024689
- Declared construction value permitted$175.8 m
- Single family units authorized238
- Multifamily units authorized451
- Multifamily share of units65.5 percent
- Average declared value per unit$255,133
- Units authorized per 1,000 households18.0
Multifamily is 65.5 percent of units authorized, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Ozaukee County
SBA loans in Ozaukee County (7(a) and 504)
- 7(a) approvals recorded153
- 7(a) gross approval dollars$91.1 m
- Average 7(a) approval$595,620
- Median 7(a) approval$250,000
- 10th percentile approval$41,100
- 90th percentile approval$1,465,400
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)1,985
- Jobs per approval13.0
- Distinct 7(a) lenders active47
- Distinct industries receiving approvals89
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer12.4 percent
- Loans on real estate terms19
- Loans on working capital terms, 120 months or shorter127
- Franchise loans29
- Franchise share of approvals19.0 percent
- Leading industry by approval countResidential Remodelers (12)
- Most active lenderU.S. Bank, National Association (22)
- 504 approvals recorded72
- 504 gross approval dollars$61.8 m
- Average 504 approval$857,819
- Median 504 approval$498,500
- Distinct CDCs active2
- 504 jobs per approval8.1
- 504 jobs per million dollars approved9.5
- Most active CDCWBD, Inc. (69)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$152.9 m
The average approval of $595,620 sits well above the median of $250,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 12.4 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.
Ozaukee County
SBA loan default and charge-off rates in Ozaukee County
Do SBA loans in Ozaukee County get paid back?
- Loans with a final outcome recorded32
- Paid in full29
- Charged off3
- Charge-off rate on resolved loans9.4 percent
- Status: Paid in full29
- Status: Exempt from disclosure94
- Status: Cancelled18
- Status: Charged off3
- Status: Committed, not yet disbursed9
Of the 32 loans that have reached a final outcome, 9.4 percent were charged off. This is computed only over resolved loans, because a loan still running has not yet succeeded or failed and counting it either way would be wrong.
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.
Ozaukee County
SBA lending by place in Ozaukee County
- Borrower cities with recorded lending11
- Mequon, approvals58
- Cedarburg, approvals32
- Grafton, approvals28
- Port Washington, approvals10
- Thiensville, approvals9
- Belgium, approvals6
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Mequon | 58 | $39,964,300 |
| Cedarburg | 32 | $8,851,400 |
| Grafton | 28 | $17,148,500 |
| Port Washington | 10 | $8,484,800 |
| Thiensville | 9 | $3,836,300 |
| Belgium | 6 | $7,577,900 |
| Fredonia | 5 | $2,780,000 |
| Saukville | 2 | $1,703,000 |
| 3 other borrower cities | 3 | $783,600 |
Mequon accounts for 58 approvals against 32 in Cedarburg. 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.
Ozaukee County
How large is Ozaukee County?
- Land area233 sq mi
- Rank by land area among Wisconsin counties71st of 72
- Width, east to west13.6 mi
- Height, north to south24.2 mi
- Geographies sharing a boundary3
- Residents per square mile of land399
- Establishments per square mile12.15
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.
Ozaukee County
Flood risk in Ozaukee County
- Participation of the county's own NFIP community Ozaukee County, unincorporated areasParticipating, community 550310
- Community Rating System class of the county's own communityClass 8
- Communities in the county in the NFIP Community Status Book11
- Of those, participating in the NFIP11
- 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 8
- Communities carrying a CRS class1
- Radon levels in Ozaukee 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 Ozaukee County (community 550310), participates in the National Flood Insurance Program and carries Community Rating System class 8, a flood insurance premium discount for policies written there. The EPA places Ozaukee 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 8, 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 Ozaukee 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 Ozaukee County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202492,966
- Households38,309
- Average household size2.43
- Median household income$96,996
- Median age43.9
Common questions
Ozaukee County questions, answered from the record.
How many people live in Ozaukee County, Wisconsin?
The Census Bureau estimates 93,956 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 92,966, in 38,309 households, ranking 18th of 72 Wisconsin counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Ozaukee County's population growing?
The population has grown 2.68 percent since the 2020 census base of 91,506, to 93,956 on July 1, 2024. In 2024 there were 821 births against 810 deaths, with net migration of 426. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Ozaukee County?
$96,996. The median owner-occupied home is valued at $390,200, which is 4.0 times income, and median gross rent is $1,154 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Ozaukee County?
2,832 establishments, employing 39,792 people with an annual payroll of $2.30 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 Ozaukee County?
Manufacturing is the largest private sector at 8,036 jobs, 19.5 percent of covered employment. Covered employment averages 41,266 jobs at an average annual pay of $58,909, or $1,133 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Ozaukee County?
153 7(a) approvals totaling $91.1 m since FY2020, across 47 lenders, with a median approval of $250,000, plus 72 504 approvals worth $61.8 m since FY2010. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Ozaukee County get paid back?
Of the 32 loans that have reached a final outcome, 29 were paid in full and 3 charged off, a charge-off rate of 9.4 percent. Loans still running are excluded, because they have not yet succeeded or failed.
How many building permits were issued in Ozaukee County?
689 housing units were authorized by permit in 2024, with a declared construction value of $175.8 m. Multifamily was 65.5 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Ozaukee 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 Ozaukee County come from?
The largest single origin is Milwaukee County, with 985 households. Arriving households report an average income of $146,125 against $149,391 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Ozaukee 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 Ozaukee 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.
Ozaukee County
Cities and places in Ozaukee.
11 Census places lie wholly or partly in Ozaukee County. All 11 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 |
|---|---|---|---|---|
| Mequon | city | 25,270 | 58 | Wholly in this county |
| Port Washington | city | 12,645 | 10 | Wholly in this county |
| Cedarburg | city | 12,605 | 32 | Wholly in this county |
| Grafton | village | 12,445 | 28 | Wholly in this county |
| Bayside | village | 4,329 | None recorded | 4.0 percent here, 96.0 percent Milwaukee County |
| Saukville | village | 4,267 | 2 | Wholly in this county |
| Thiensville | village | 3,299 | 9 | Wholly in this county |
| Belgium | village | 2,488 | 6 | Wholly in this county |
| Fredonia | village | 2,448 | 5 | Wholly in this county |
| Newburg | village | 1,287 | None recorded | 9.4 percent here, 90.6 percent Washington County |
| Waubeka | CDP | 573 | None recorded | Wholly in this county |
A further 3 of the county's 153 SBA 7(a) approvals are to borrowers in cities that match no Census place in Ozaukee County, the largest being Antigo (1), Random Lake (1), Cedar Grove (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