Kosciusko County, Indiana: commercial real estate data.
Kosciusko County, Indiana has a population of 80,442 across 531 square miles, up 0.5 percent since the 2020 census base. County output reached $7.84 bn in 2024, 2,039 establishments operate here, and the SBA record carries 51 7(a) approvals worth $12.7 m.
121 sourced county values · tier FULL · 11 sections
Kosciusko County
How many people live in Kosciusko County
- Population80,442
- Households31,934
- Average household size2.52
- Median household income$75,317
- Median age39.1
- Median gross rent$1,043 per month
- Median owner-occupied home value$216,000
- Home value to household income2.9 times
- Annual rent as a share of median income16.6 percent
- Adults 25 and over with a bachelor degree or higher25.1 percent
- Adults 25 and over with a graduate degree8.4 percent
- Adults 25 and over54,244
- Population under 1818,929
- Share under 1823.5 percent
- Population 65 and over14,541
- Share 65 and over18.1 percent
- Working age population, 18 to 6446,972
- Civilian labor force41,423
- Unemployment rate2.8 percent
- Labor force participation, adults 18 and over67.3 percent
- Rank by population among Indiana counties22nd of 92
- Rank by population among US county-equivalents724th
Kosciusko County is the 22nd largest of 92 Indiana counties by population. A median home costs 2.9 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 23.5 percent against 18.1 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Kosciusko County
Is Kosciusko County growing
- Population change since the 2020 census base0.52 percent
- Census 2020 base population80,250
- Births, 2024929
- Deaths, 2024897
- Natural change, 202432
- Net domestic migration, 202434
- Net international migration, 2024162
- Total net migration, 2024196
- Cumulative net domestic migration, 2021 to 2024-142
- Rank by growth among US county-equivalents1646th
The county has grown 0.52 percent since the 2020 census base. Migration contributed more to 2024 change than births over deaths, so demand here follows people arriving rather than families forming.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Kosciusko County
Where people moving to Kosciusko County come from
- Tax returns filed by households arriving2,021
- People arriving, from those returns3,565
- Adjusted gross income arriving$126.7 m
- Net adjusted gross income movement$0
- Average income of an arriving household$62,700
- Largest single originKosciusko County Non-migrants (31,608 households)
- Largest single destination (31,608 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Kosciusko County Non-migrants | 31,608 | 65,666 | $2.65 bn |
| Other flows - Different State | 595 | 1,026 | $38.5 m |
| Elkhart County | 324 | 603 | $18.9 m |
| Other flows - Same State | 258 | 441 | $16.3 m |
| Other flows - South | 230 | 408 | $13.2 m |
| Other flows - Midwest | 208 | 345 | $17.1 m |
| Allen County | 139 | 219 | $9.3 m |
| Marshall County | 113 | 205 | $5.9 m |
The largest single source of arrivals is Kosciusko County Non-migrants, 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.
Kosciusko County
What the Kosciusko County economy runs on
- County GDP, 2024$7.84 bn
- County GDP, 2023$7.58 bn
- GDP change, 2023 to 20243.3 percent
- GDP change over five years27.0 percent
- Rank by GDP among Indiana counties15th
- Rank by GDP among US county-equivalents535th
- GDP per resident$97,406
Output grew 3.3 percent in the latest year and 27.0 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.
Kosciusko County
Who employs people in Kosciusko County
- Covered employment, annual average36,183
- Establishments reporting2,157
- Average annual pay$58,899
- Average weekly wage$1,133
- Sector 31-33, employment12,688
- Sector 31-33, average annual pay$78,612
- Sector 44-45, employment3,595
- Sector 44-45, average annual pay$32,826
- Sector 62, employment3,558
- Sector 62, average annual pay$50,796
- Sector 72, employment2,961
- Sector 72, average annual pay$19,386
- Sector 23, employment1,790
- Sector 42, employment1,626
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 12,688 | 184 | $78,612 |
| Sector 44-45 | 3,595 | 273 | $32,826 |
| Sector 62 | 3,558 | 174 | $50,796 |
| Sector 72 | 2,961 | 169 | $19,386 |
| Sector 23 | 1,790 | 241 | $60,365 |
| Sector 42 | 1,626 | 140 | $104,962 |
| Sector 81 | 1,430 | 170 | $43,828 |
| Sector 56 | 1,344 | 142 | $45,664 |
The largest sector is the biggest private employer group at 12,688 jobs, 35.1 percent of covered employment. Average pay per job sits below median household income, so households here typically need more than one earner.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Kosciusko County
What businesses operate in Kosciusko County
- Establishments, all industries2,039
- Employment at those establishments38,731
- Annual payroll$2.45 bn
- Establishments per 1,000 residents25.3
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against.
US Census Bureau, County Business Patterns, 2023.
Kosciusko County
What is being built in Kosciusko County
- Housing units authorised by permit, 2024261
- Declared construction value permitted$86.2 m
- Single family units authorised249
- Multifamily units authorised12
- Multifamily share of units4.6 percent
- Average declared value per unit$330,221
- Units authorised per 1,000 households8.2
Multifamily is 4.6 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Kosciusko County
How much SBA lending happens in Kosciusko County
- 7(a) approvals recorded51
- 7(a) gross approval dollars$12.7 m
- Average 7(a) approval$248,712
- Median 7(a) approval$105,000
- 10th percentile approval$20,000
- 90th percentile approval$461,100
- Largest single approval$2,560,000
- Jobs reported supported, 7(a)277
- Jobs per approval5.4
- Distinct 7(a) lenders active17
- Distinct industries receiving approvals32
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer7.8 percent
- Loans on real estate terms4
- Loans on working capital terms, 120 months or shorter43
- Franchise loans5
- Franchise share of approvals9.8 percent
- Leading industry by approval countFull-Service Restaurants (4)
- Most active lender1st Source Bank (20)
- 504 approvals recorded39
- 504 gross approval dollars$17.0 m
- Average 504 approval$435,128
- Median 504 approval$255,000
- Distinct CDCs active5
- 504 jobs per approval17.6
- 504 jobs per million dollars approved40.5
- Most active CDCBusiness Development Corporation (BDC) (21)
- 7(a) share of SBA approvals56.7 percent
- Combined SBA approval dollars$29.7 m
The average approval of $248,712 sits well above the median of $105,000, so a small number of large deals is pulling the mean up. The median is the better guide to what a typical borrower here actually gets. Only 7.8 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.
Kosciusko County
Do SBA loans in Kosciusko County get paid back
- Loans with a final outcome recorded12
- Paid in full12
- Charged off0
- Charge off rate on resolved loans0.0 percent
- Status: Paid in full12
- Status: Cancelled3
- Status: Exempt from disclosure36
Of the 12 loans that have reached a final outcome, 0.0 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.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Kosciusko County
Which parts of Kosciusko County get the lending
- Places in the county with recorded lending10
- Warsaw, approvals24
- SYRACUSE, approvals9
- Pierceton, approvals5
- Winona Lake, approvals4
- MENTONE, approvals3
- LEESBURG, approvals2
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Warsaw | 24 | $5,204,000 |
| SYRACUSE | 9 | $3,518,600 |
| Pierceton | 5 | $1,125,700 |
| Winona Lake | 4 | $958,000 |
| MENTONE | 3 | $130,000 |
| LEESBURG | 2 | $260,000 |
| Indianaoplis | 1 | $25,000 |
| Warsaw, | 1 | $30,000 |
Warsaw accounts for 24 approvals against 9 in SYRACUSE. 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.
Kosciusko County
How big is Kosciusko County
- Land area531 sq mi
- Rank by land area among Indiana counties5th of 92
- Width, east to west22.2 mi
- Height, north to south27.2 mi
- Geographies sharing a boundary6
- Residents per square mile of land151
- Establishments per square mile3.84
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.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- No NFIP communities are listed for this county in the FEMA Community Status Book.
- Flood zone record counts are not held. The flood coverage export has not landed, so no count is shown rather than an estimated one.
- Traffic counts resolve in the platform, not in this dataset, so no AADT figure is printed here.
- Zoning is in build. Parcel level zoning is not published on this page.
Feasibility studies
When a Kosciusko 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 Kosciusko County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population80,442
- Households31,934
- Average household size2.52
- Median household income$75,317
- Median age39.1
Common questions
Kosciusko County questions, answered from the record.
How many people live in Kosciusko County, Indiana?
80,442, in 31,934 households, ranking 22nd of 92 Indiana counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Kosciusko County growing?
The population has grown 0.52 percent since the 2020 census base. In 2024 there were 929 births against 897 deaths, with net migration of 196. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Kosciusko County?
$75,317. The median owner-occupied home is valued at $216,000, which is 2.9 times income, and median gross rent is $1,043 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Kosciusko County?
2,039 establishments, employing 38,731 people with an annual payroll of $2.45 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in Kosciusko County?
Average annual pay is $58,899, or $1,133 a week, across 36,183 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Kosciusko County?
51 7(a) approvals totalling $12.7 m since FY2020, across 17 lenders, with a median approval of $105,000, plus 39 504 approvals worth $17.0 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Kosciusko County get paid back?
Of the 12 loans that have reached a final outcome, 12 were paid in full and 0 charged off, a charge off rate of 0.0 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Kosciusko County?
261 housing units were authorised by permit in 2024, with a declared construction value of $86.2 m. Multifamily was 4.6 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Kosciusko 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 Kosciusko County come from?
The largest single origin is Kosciusko County Non-migrants, with 31,608 households. Arriving households report an average income of $62,700 against null for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Kosciusko 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 Kosciusko County?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame with confirm locally attached.