Pepin County, Wisconsin: commercial real estate data.
Pepin County, Wisconsin had an estimated 7,555 residents on July 1, 2024, up 3.2 percent since the 2020 census base of 7,321, across 232 square miles. County output reached $384.6 m in 2024, 209 establishments operate here, and the SBA record carries 14 7(a) approvals worth $4.7 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Pepin County
How many people live in Pepin County
- Population, American Community Survey 2020-20247,431
- Households3,046
- Average household size2.44
- Median household income$75,256
- Median age46.0
- Median gross rent$869 per month
- Median owner-occupied home value$214,800
- Home value to household income2.9 times
- Annual rent as a share of median income13.9 percent
- Adults 25 and over with a bachelor degree or higher23.0 percent
- Adults 25 and over with a graduate degree6.4 percent
- Adults 25 and over5,328
- Population under 181,660
- Share under 1822.3 percent
- Population 65 and over1,822
- Share 65 and over24.5 percent
- Working age population, 18 to 643,949
- Civilian labor force3,667
- Unemployment rate3.1 percent
- Labor force participation, adults 18 and over63.5 percent
- Rank by population among Wisconsin counties69th of 72
- Rank by population among US county-equivalents, Puerto Rico included2702nd of 3,222
Pepin County is the 69th largest of 72 Wisconsin counties by population. A median home costs 2.9 times median household income, which is affordable by national standards. Residents 65 and over outnumber those under 18, at 24.5 percent against 22.3 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.
Pepin County
Is Pepin County's population growing?
- Population, July 1, 20247,555
- Census 2020 base population7,321
- Population change since the 2020 census base3.20 percent
- Population change, 2023 to 202473
- Births, 202484
- Deaths, 202467
- Natural change, 202417
- Net domestic migration, 202447
- Net international migration, 202410
- Total net migration, 202457
- Cumulative net domestic migration, 2021 to 2024137
- Rank by growth among US county-equivalents827th of 3,144
The county has grown 3.20 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.
Pepin County
Where are people moving to Pepin County from?
- Tax returns filed by households arriving173
- People arriving, from those returns296
- Tax returns filed by households leaving188
- Net household movement-15
- Adjusted gross income arriving$11.1 m
- Net adjusted gross income movement$2.3 m
- Average income of an arriving household$63,960
- Average income of a leaving household$46,463
- Largest single originEau Claire County (28 households)
- Largest single destinationDunn County (33 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Eau Claire County | 28 | 41 | $1.5 m |
| Pierce County | 23 | 45 | $1.2 m |
| Buffalo County | 21 | 40 | $1.2 m |
| Dunn County | 20 | 35 | $743,000 |
Households arriving report $17,497 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.
Pepin County
What is the Pepin County economy?
- County GDP, 2024$384.6 m
- County GDP, 2023$370.8 m
- GDP change, 2023 to 20243.7 percent
- GDP change over five years30.5 percent
- Rank by GDP among the Wisconsin areas BEA publishes69th of 72
- Rank by GDP among the US county areas BEA publishes2573rd of 3,127
- GDP per resident$51,755
Output grew 3.7 percent in the latest year and 30.5 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.
Pepin County
Employment by industry in Pepin County
- Covered employment, annual average2,463
- Establishments reporting270
- Average annual pay$49,655
- Average weekly wage$955
- Retail trade, employment317
- Retail trade, average annual pay$33,792
- Accommodation and food services, employment269
- Accommodation and food services, average annual pay$15,677
- Construction, employment230
- Construction, average annual pay$74,204
- Wholesale trade, employment221
- Wholesale trade, average annual pay$73,404
- Manufacturing, employment217
- Agriculture, forestry, fishing and hunting, employment171
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Retail trade | 317 | 29 | $33,792 |
| Accommodation and food services | 269 | 28 | $15,677 |
| Construction | 230 | 25 | $74,204 |
| Wholesale trade | 221 | 13 | $73,404 |
| Manufacturing | 217 | 15 | $48,644 |
| Agriculture, forestry, fishing and hunting | 171 | 17 | $50,729 |
| Finance and insurance | 57 | 7 | $70,467 |
| Transportation and warehousing | 42 | 12 | $40,165 |
Retail trade is the largest private sector at 317 jobs, 12.9 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Pepin County
How many businesses are in Pepin County?
- Establishments, all industries209
- Employment at those establishments1,649
- Annual payroll$84.9 m
- Establishments per 1,000 residents28.1
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.
Pepin County
Building permits in Pepin County
- Housing units authorized by permit, 202422
- Declared construction value permitted$8.7 m
- Single family units authorized22
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$396,009
- Units authorized per 1,000 households7.2
Single-family homes are 100.0 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Pepin County
SBA loans in Pepin County (7(a) and 504)
- 7(a) approvals recorded14
- 7(a) gross approval dollars$4.7 m
- Average 7(a) approval$338,357
- Median 7(a) approval$168,000
- Largest single approval$1,200,000
- Jobs reported supported, 7(a)232
- Jobs per approval16.6
- Distinct 7(a) lenders active4
- Distinct industries receiving approvals9
- Median 7(a) term60 months
- Share of loans on real estate terms, 240 months or longer28.6 percent
- Loans on real estate terms4
- Loans on working capital terms, 120 months or shorter10
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countDrinking Places (Alcoholic Beverages) (3)
- Most active lenderSecurity Financial Bank (7)
- 504 approvals recorded6
- 504 gross approval dollars$3.1 m
- Average 504 approval$510,833
- Median 504 approval$281,500
- Distinct CDCs active3
- 504 jobs per approval4.8
- 504 jobs per million dollars approved9.5
- Most active CDCWBD, Inc. (4)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$7.8 m
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.
Pepin County
SBA loan default and charge-off rates in Pepin County
Do SBA loans in Pepin County get paid back?
- Loans with a final outcome recorded6
- Paid in full6
- Charged off0
- Status: Paid in full6
- Status: Cancelled2
- Status: Exempt from disclosure6
Only 6 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.
Pepin County
SBA lending by place in Pepin County
- Borrower cities with recorded lending4
- Pepin, approvals8
- Durand, approvals4
- Mondovi, approvals1
- Arkansaw, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Pepin | 8 | $3,321,000 |
| Durand | 4 | $961,000 |
| Mondovi | 1 | $355,000 |
| Arkansaw | 1 | $100,000 |
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Pepin County
How large is Pepin County?
- Land area232 sq mi
- Rank by land area among Wisconsin counties72nd of 72
- Width, east to west32.8 mi
- Height, north to south19.2 mi
- Geographies sharing a boundary6
- Residents per square mile of land32
- Establishments per square mile0.90
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.
Pepin County
Flood risk in Pepin County
- Participation of the county's own NFIP community Pepin County, unincorporated areasParticipating, community 555570
- Communities in the county in the NFIP Community Status Book4
- Of those, participating in the NFIP4
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
- Radon levels in Pepin County, EPA zone predicted average indoor radon screening level greater than 4 pCi/LZone 1
The county's own community in the status book, unincorporated Pepin County (community 555570), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Pepin County in radon zone 1, a predicted average indoor radon screening level greater than 4 pCi/L. The zone is a screening prediction for the county and does not substitute for a test at an address. 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 Pepin 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 Pepin County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-20247,431
- Households3,046
- Average household size2.44
- Median household income$75,256
- Median age46.0
Common questions
Pepin County questions, answered from the record.
How many people live in Pepin County, Wisconsin?
The Census Bureau estimates 7,555 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 7,431, in 3,046 households, ranking 69th of 72 Wisconsin counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Pepin County's population growing?
The population has grown 3.20 percent since the 2020 census base of 7,321, to 7,555 on July 1, 2024. In 2024 there were 84 births against 67 deaths, with net migration of 57. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Pepin County?
$75,256. The median owner-occupied home is valued at $214,800, which is 2.9 times income, and median gross rent is $869 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Pepin County?
209 establishments, employing 1,649 people with an annual payroll of $84.9 m. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is employment by industry in Pepin County?
Retail trade is the largest private sector at 317 jobs, 12.9 percent of covered employment. Covered employment averages 2,463 jobs at an average annual pay of $49,655, or $955 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Pepin County?
14 7(a) approvals totaling $4.7 m since FY2020, across 4 lenders, with a median approval of $168,000, plus 6 504 approvals worth $3.1 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Pepin County?
22 housing units were authorized by permit in 2024, with a declared construction value of $8.7 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Pepin County?
Zone 1, a predicted average indoor radon screening level greater than 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 Pepin County come from?
The largest single origin is Eau Claire County, with 28 households. Arriving households report an average income of $63,960 against $46,463 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Pepin 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 Pepin 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.
Pepin County
Cities and places in Pepin.
4 Census places lie wholly or partly in Pepin County. All 4 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 |
|---|---|---|---|---|
| Durand | city | 1,731 | 4 | Wholly in this county |
| Pepin | village | 736 | 8 | Wholly in this county |
| Arkansaw | CDP | 334 | 1 | Wholly in this county |
| Stockholm | village | 74 | None recorded | Wholly in this county |
A further 1 of the county's 14 SBA 7(a) approvals are to borrowers in cities that match no Census place in Pepin County, the largest being Mondovi (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.