Baraga County, Michigan: commercial real estate data.
Baraga County, Michigan has a population of 8,191 across 898 square miles, up 0.2 percent since the 2020 census base. County output reached $374.5 m in 2024, 173 establishments operate here, and the SBA record carries 11 7(a) approvals worth $8.0 m.
109 sourced county values · tier FULL · 12 sections
Baraga County
How many people live in Baraga County
- Population8,191
- Households3,433
- Average household size2.39
- Median household income$55,327
- Median age46.0
- Median gross rent$616 per month
- Median owner-occupied home value$138,100
- Home value to household income2.5 times
- Annual rent as a share of median income13.4 percent
- Adults 25 and over with a bachelor degree or higher14.8 percent
- Adults 25 and over with a graduate degree5.3 percent
- Adults 25 and over6,269
- Population under 181,394
- Share under 1817.0 percent
- Population 65 and over1,901
- Share 65 and over23.2 percent
- Working age population, 18 to 644,896
- Civilian labor force3,052
- Unemployment rate5.1 percent
- Labor force participation, adults 18 and over44.9 percent
- Rank by population among Michigan counties79th of 83
- Rank by population among US county-equivalents2635th
Baraga County is the 79th largest of 83 Michigan counties by population. A median home costs 2.5 times median household income, which is an affordable ownership market by national standards. Residents 65 and over outnumber those under 18, at 23.2 percent against 17.0 percent, which points demand at health care, services and single storey product rather than schools.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Baraga County
Is Baraga County growing
- Population change since the 2020 census base0.23 percent
- Census 2020 base population8,150
- Births, 202477
- Deaths, 2024146
- Natural change, 2024-69
- Net domestic migration, 202414
- Net international migration, 20242
- Total net migration, 202416
- Cumulative net domestic migration, 2021 to 2024225
- Rank by growth among US county-equivalents1740th
The county has grown 0.23 percent since the 2020 census base. Deaths exceeded births in 2024, so all of the growth came from people moving in. A market held up by migration alone 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.
Baraga County
Where people moving to Baraga County come from
- Tax returns filed by households arriving175
- People arriving, from those returns290
- Adjusted gross income arriving$7.9 m
- Net adjusted gross income movement$0
- Average income of an arriving household$44,863
- Largest single originBaraga County Non-migrants (2,950 households)
- Largest single destination (2,950 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Baraga County Non-migrants | 2,950 | 5,583 | $172.0 m |
| Other flows - Different State | 57 | 103 | $3.0 m |
| Other flows - Same State | 52 | 68 | $1.4 m |
| Houghton County | 39 | 71 | $1.9 m |
| Other flows - Midwest | 34 | 56 | $1.7 m |
| Marquette County | 27 | 48 | $1.5 m |
| Other flows - West | 23 | 47 | $1.3 m |
The largest single source of arrivals is Baraga 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.
Baraga County
What the Baraga County economy runs on
- County GDP, 2024$374.5 m
- County GDP, 2023$364.9 m
- GDP change, 2023 to 20242.6 percent
- GDP change over five years29.0 percent
- Rank by GDP among Michigan counties74th
- Rank by GDP among US county-equivalents2587th
- GDP per resident$45,719
Output grew 2.6 percent in the latest year and 29.0 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.
Baraga County
Who employs people in Baraga County
- Covered employment, annual average2,973
- Establishments reporting211
- Average annual pay$51,002
- Average weekly wage$981
- Sector 31-33, employment520
- Sector 31-33, average annual pay$62,086
- Sector 44-45, employment153
- Sector 44-45, average annual pay$32,026
- Sector 23, employment79
- Sector 23, average annual pay$65,629
- Sector 42, employment52
- Sector 42, average annual pay$76,109
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 520 | 22 | $62,086 |
| Sector 44-45 | 153 | 24 | $32,026 |
| Sector 23 | 79 | 16 | $65,629 |
| Sector 42 | 52 | 5 | $76,109 |
The largest sector is the biggest private employer group at 520 jobs, 17.5 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.
Baraga County
What businesses operate in Baraga County
- Establishments, all industries173
- Employment at those establishments1,778
- Annual payroll$81.4 m
- Establishments per 1,000 residents21.1
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against.
US Census Bureau, County Business Patterns, 2023.
Baraga County
What is being built in Baraga County
- Housing units authorised by permit, 202413
- Declared construction value permitted$3.6 m
- Single family units authorised11
- Multifamily units authorised2
- Multifamily share of units15.4 percent
- Average declared value per unit$275,127
- Units authorised per 1,000 households3.8
Multifamily is 15.4 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Baraga County
How much SBA lending happens in Baraga County
- 7(a) approvals recorded11
- 7(a) gross approval dollars$8.0 m
- Average 7(a) approval$728,800
- Median 7(a) approval$324,000
- 10th percentile approval$75,000
- 90th percentile approval$1,600,000
- Largest single approval$2,840,000
- Jobs reported supported, 7(a)198
- Jobs per approval18.0
- Distinct 7(a) lenders active5
- Distinct industries receiving approvals6
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer18.2 percent
- Loans on real estate terms2
- Loans on working capital terms, 120 months or shorter7
- Franchise loans3
- Franchise share of approvals27.3 percent
- Leading industry by approval countAutomotive Parts and Accessories Stores (3)
- Most active lenderNicolet National Bank (4)
The average approval of $728,800 sits well above the median of $324,000, 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 18.2 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.
Baraga County
Do SBA loans in Baraga County get paid back
- Loans with a final outcome recorded2
- Paid in full1
- Charged off1
- Status: Exempt from disclosure9
- Status: Paid in full1
- Status: Charged off1
Too few loans have reached a final outcome to publish a charge off rate. only 2 resolved loans, too few to publish a rate. A rate computed on a handful of loans is noise, so none is shown.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Baraga County
Which parts of Baraga County get the lending
- Places in the county with recorded lending2
- Lanse, approvals6
- Baraga, approvals5
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Lanse | 6 | $3,791,800 |
| Baraga | 5 | $4,225,000 |
Lanse accounts for 6 approvals against 5 in Baraga. 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.
Baraga County
How big is Baraga County
- Land area898 sq mi
- Rank by land area among Michigan counties14th of 83
- Width, east to west32.5 mi
- Height, north to south37.8 mi
- Geographies sharing a boundary3
- Residents per square mile of land9
- Establishments per square mile0.19
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.
Baraga County
What hazards affect Baraga County
- EPA radon zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
- Communities in the NFIP Community Status Book6
- Of those, participating in the NFIP4
- NFIP participation rate66.7 percent
- Communities carrying a CRS class0
The EPA places the county in radon zone 2, a predicted average indoor radon screening level from 2 to 4 pCi/L.
US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001. FEMA OpenFEMA, NFIP Community Status Book, Community Status Book, as retrieved.
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 504 approvals recorded in this county in the FOIA release covering FY2010 onward.
- 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 Baraga 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 Baraga County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population8,191
- Households3,433
- Average household size2.39
- Median household income$55,327
- Median age46.0
Common questions
Baraga County questions, answered from the record.
How many people live in Baraga County, Michigan?
8,191, in 3,433 households, ranking 79th of 83 Michigan counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Baraga County growing?
The population has grown 0.23 percent since the 2020 census base. In 2024 there were 77 births against 146 deaths, with net migration of 16. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Baraga County?
$55,327. The median owner-occupied home is valued at $138,100, which is 2.5 times income, and median gross rent is $616 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Baraga County?
173 establishments, employing 1,778 people with an annual payroll of $81.4 m. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in Baraga County?
Average annual pay is $51,002, or $981 a week, across 2,973 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Baraga County?
11 7(a) approvals totalling $8.0 m since FY2020, across 5 lenders, with a median approval of $324,000. These are approvals recorded in the release, not loans disbursed.
What is being built in Baraga County?
13 housing units were authorised by permit in 2024, with a declared construction value of $3.6 m. Multifamily was 15.4 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Baraga 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 Baraga County come from?
The largest single origin is Baraga County Non-migrants, with 2,950 households. Arriving households report an average income of $44,863 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 Baraga 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 Baraga 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.