St. Croix County, Wisconsin: commercial real estate data.
St. Croix County, Wisconsin had an estimated 97,954 residents on July 1, 2024, up 4.7 percent since the 2020 census base of 93,543, across 722 square miles. County output reached $6.01 bn in 2024, 2,422 establishments operate here, and the SBA record carries 228 7(a) approvals worth $88.7 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
St. Croix County
How many people live in St. Croix County
- Population, American Community Survey 2020-202496,033
- Households37,511
- Average household size2.56
- Median household income$103,046
- Median age40.4
- Median gross rent$1,271 per month
- Median owner-occupied home value$377,700
- Home value to household income3.7 times
- Annual rent as a share of median income14.8 percent
- Adults 25 and over with a bachelor degree or higher39.5 percent
- Adults 25 and over with a graduate degree12.3 percent
- Adults 25 and over66,152
- Population under 1822,839
- Share under 1823.8 percent
- Population 65 and over15,362
- Share 65 and over16.0 percent
- Working age population, 18 to 6457,832
- Civilian labor force52,492
- Unemployment rate2.6 percent
- Labor force participation, adults 18 and over71.7 percent
- Rank by population among Wisconsin counties17th of 72
- Rank by population among US county-equivalents, Puerto Rico included643rd of 3,222
St. Croix County is the 17th largest of 72 Wisconsin counties by population. A median home costs 3.7 times median household income, which is moderately unaffordable by national standards. Residents under 18 outnumber those 65 and over, at 23.8 percent against 16.0 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
St. Croix County
Is St. Croix County's population growing?
- Population, July 1, 202497,954
- Census 2020 base population93,543
- Population change since the 2020 census base4.72 percent
- Population change, 2023 to 2024798
- Births, 20241,099
- Deaths, 2024768
- Natural change, 2024331
- Net domestic migration, 2024301
- Net international migration, 2024161
- Total net migration, 2024462
- Cumulative net domestic migration, 2021 to 20242,608
- Rank by growth among US county-equivalents577th of 3,144
The county has grown 4.72 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.
St. Croix County
Where are people moving to St. Croix County from?
- Tax returns filed by households arriving2,873
- People arriving, from those returns4,894
- Tax returns filed by households leaving2,558
- Net household movement315
- Adjusted gross income arriving$247.2 m
- Net adjusted gross income movement$34.4 m
- Average income of an arriving household$86,060
- Average income of a leaving household$83,204
- Largest single originWashington County (525 households)
- Largest single destinationPierce County (321 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Washington County | 525 | 956 | $55.7 m |
| Pierce County | 336 | 554 | $20.6 m |
| Ramsey County | 290 | 491 | $25.9 m |
| Polk County | 217 | 361 | $15.9 m |
| Hennepin County | 183 | 272 | $17.3 m |
| Dakota County | 135 | 244 | $17.8 m |
| Dunn County | 107 | 171 | $5.1 m |
| Anoka County | 58 | 97 | $4.2 m |
Households arriving report $2,856 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 Washington 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.
St. Croix County
What is the St. Croix County economy?
- County GDP, 2024$6.01 bn
- County GDP, 2023$5.71 bn
- GDP change, 2023 to 20245.4 percent
- GDP change over five years40.1 percent
- Rank by GDP among the Wisconsin areas BEA publishes18th of 72
- Rank by GDP among the US county areas BEA publishes650th of 3,127
- GDP per resident$62,631
Output grew 5.4 percent in the latest year and 40.1 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.
St. Croix County
Employment by industry in St. Croix County
- Covered employment, annual average36,959
- Establishments reporting2,832
- Average annual pay$55,261
- Average weekly wage$1,063
- Manufacturing, employment6,810
- Manufacturing, average annual pay$67,553
- Health care and social assistance, employment5,506
- Health care and social assistance, average annual pay$59,928
- Retail trade, employment4,916
- Retail trade, average annual pay$36,061
- Accommodation and food services, employment4,167
- Accommodation and food services, average annual pay$20,658
- Construction, employment1,848
- Wholesale trade, employment1,845
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 6,810 | 197 | $67,553 |
| Health care and social assistance | 5,506 | 364 | $59,928 |
| Retail trade | 4,916 | 266 | $36,061 |
| Accommodation and food services | 4,167 | 225 | $20,658 |
| Construction | 1,848 | 318 | $71,040 |
| Wholesale trade | 1,845 | 165 | $100,597 |
| Professional, scientific and technical services | 1,291 | 320 | $85,539 |
| Other services, except public administration | 1,150 | 204 | $38,974 |
Manufacturing is the largest private sector at 6,810 jobs, 18.4 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
St. Croix County
How many businesses are in St. Croix County?
- Establishments, all industries2,422
- Employment at those establishments31,951
- Annual payroll$1.68 bn
- Establishments per 1,000 residents25.2
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.
St. Croix County
Building permits in St. Croix County
- Housing units authorized by permit, 2024400
- Declared construction value permitted$161.5 m
- Single family units authorized354
- Multifamily units authorized46
- Multifamily share of units11.5 percent
- Average declared value per unit$403,645
- Units authorized per 1,000 households10.7
Single-family homes are 88.5 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
St. Croix County
SBA loans in St. Croix County (7(a) and 504)
- 7(a) approvals recorded228
- 7(a) gross approval dollars$88.7 m
- Average 7(a) approval$389,107
- Median 7(a) approval$122,250
- 10th percentile approval$25,000
- 90th percentile approval$1,000,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)2,324
- Jobs per approval10.2
- Distinct 7(a) lenders active43
- Distinct industries receiving approvals106
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer6.1 percent
- Loans on real estate terms14
- Loans on working capital terms, 120 months or shorter203
- Franchise loans23
- Franchise share of approvals10.1 percent
- Leading industry by approval countLandscaping Services (13)
- Most active lenderHiawatha National Bank (66)
- 504 approvals recorded154
- 504 gross approval dollars$104.2 m
- Average 504 approval$676,584
- Median 504 approval$469,000
- Distinct CDCs active5
- 504 jobs per approval10.9
- 504 jobs per million dollars approved16.1
- Most active CDCWBD, Inc. (107)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$192.9 m
The average approval of $389,107 sits well above the median of $122,250, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 6.1 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.
St. Croix County
SBA loan default and charge-off rates in St. Croix County
Do SBA loans in St. Croix County get paid back?
- Loans with a final outcome recorded74
- Paid in full69
- Charged off5
- Charge-off rate on resolved loans6.8 percent
- Status: Charged off5
- Status: Paid in full69
- Status: Exempt from disclosure125
- Status: Cancelled18
- Status: Committed, not yet disbursed11
Of the 74 loans that have reached a final outcome, 6.8 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.
St. Croix County
SBA lending by place in St. Croix County
- Borrower cities with recorded lending13
- Hudson, approvals108
- New Richmond, approvals57
- Somerset, approvals19
- Baldwin, approvals10
- River Falls, approvals9
- Roberts, approvals7
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Hudson | 108 | $31,465,400 |
| New Richmond | 57 | $18,737,200 |
| Somerset | 19 | $16,125,200 |
| Baldwin | 10 | $5,715,800 |
| River Falls | 9 | $7,735,000 |
| Roberts | 7 | $1,188,500 |
| Wilson | 4 | $4,620,000 |
| Glenwood City | 3 | $768,700 |
| 5 other borrower cities | 11 | $2,360,500 |
Hudson accounts for 108 approvals against 57 in New Richmond. 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.
St. Croix County
How large is St. Croix County?
- Land area722 sq mi
- Rank by land area among Wisconsin counties39th of 72
- Width, east to west32.1 mi
- Height, north to south24.3 mi
- Geographies sharing a boundary4
- Residents per square mile of land133
- Establishments per square mile3.35
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.
St. Croix County
Flood risk in St. Croix County
- Participation of the county's own NFIP community St. Croix County, unincorporated areasParticipating, community 555578
- Communities in the county in the NFIP Community Status Book14
- Of those, participating in the NFIP14
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
- Radon levels in St. Croix 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 St. Croix County (community 555578), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places St. Croix 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 St. Croix 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 St. Croix County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202496,033
- Households37,511
- Average household size2.56
- Median household income$103,046
- Median age40.4
Common questions
St. Croix County questions, answered from the record.
How many people live in St. Croix County, Wisconsin?
The Census Bureau estimates 97,954 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 96,033, in 37,511 households, ranking 17th of 72 Wisconsin counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is St. Croix County's population growing?
The population has grown 4.72 percent since the 2020 census base of 93,543, to 97,954 on July 1, 2024. In 2024 there were 1,099 births against 768 deaths, with net migration of 462. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in St. Croix County?
$103,046. The median owner-occupied home is valued at $377,700, which is 3.7 times income, and median gross rent is $1,271 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in St. Croix County?
2,422 establishments, employing 31,951 people with an annual payroll of $1.68 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 St. Croix County?
Manufacturing is the largest private sector at 6,810 jobs, 18.4 percent of covered employment. Covered employment averages 36,959 jobs at an average annual pay of $55,261, or $1,063 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in St. Croix County?
228 7(a) approvals totaling $88.7 m since FY2020, across 43 lenders, with a median approval of $122,250, plus 154 504 approvals worth $104.2 m since FY2010. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in St. Croix County get paid back?
Of the 74 loans that have reached a final outcome, 69 were paid in full and 5 charged off, a charge-off rate of 6.8 percent. Loans still running are excluded, because they have not yet succeeded or failed.
How many building permits were issued in St. Croix County?
400 housing units were authorized by permit in 2024, with a declared construction value of $161.5 m. Multifamily was 11.5 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for St. Croix 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 St. Croix County come from?
The largest single origin is Washington County, with 525 households. Arriving households report an average income of $86,060 against $83,204 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for St. Croix 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 St. Croix 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.
St. Croix County
Cities and places in St. Croix.
16 Census places lie wholly or partly in St. Croix County. All 16 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 |
|---|---|---|---|---|
| River Falls | city | 16,719 | 9 | 44.6 percent here, 55.4 percent Pierce County |
| Hudson | city | 14,959 | 108 | Wholly in this county |
| New Richmond | city | 10,539 | 57 | Wholly in this county |
| Baldwin | village | 4,342 | 10 | Wholly in this county |
| North Hudson | village | 3,819 | None recorded | Wholly in this county |
| Somerset | village | 3,208 | 19 | Wholly in this county |
| Hammond | village | 1,960 | 3 | Wholly in this county |
| Roberts | village | 1,858 | 7 | Wholly in this county |
| Woodville | village | 1,424 | 3 | Wholly in this county |
| Spring Valley | village | 1,290 | None recorded | 25.9 percent here, 74.1 percent Pierce County |
| Glenwood City | city | 1,260 | 3 | Wholly in this county |
| Star Prairie | village | 674 | 2 | Wholly in this county |
| Houlton | CDP | 240 | 1 | Wholly in this county |
| Deer Park | village | 223 | 2 | Wholly in this county |
| Wilson | village | 200 | 4 | Wholly in this county |
| Emerald | CDP | 191 | None recorded | Wholly in this county |
Nearby