Charlevoix County, Michigan: commercial real estate data.
Charlevoix County, Michigan has a population of 26,108 across 416 square miles, up 0.2 percent since the 2020 census base. County output reached $1.72 bn in 2024, 891 establishments operate here, and the SBA record carries 63 7(a) approvals worth $18.8 m.
127 sourced county values · tier FULL · 12 sections
Charlevoix County
How many people live in Charlevoix County
- Population26,108
- Households12,267
- Average household size2.13
- Median household income$76,531
- Median age50.4
- Median gross rent$949 per month
- Median owner-occupied home value$276,800
- Home value to household income3.6 times
- Annual rent as a share of median income14.9 percent
- Adults 25 and over with a bachelor degree or higher35.2 percent
- Adults 25 and over with a graduate degree14.6 percent
- Adults 25 and over19,802
- Population under 184,586
- Share under 1817.6 percent
- Population 65 and over7,067
- Share 65 and over27.1 percent
- Working age population, 18 to 6414,455
- Civilian labor force12,760
- Unemployment rate3.4 percent
- Labor force participation, adults 18 and over59.3 percent
- Rank by population among Michigan counties52nd of 83
- Rank by population among US county-equivalents1611th
Charlevoix County is the 52nd largest of 83 Michigan counties by population. A median home costs 3.6 times median household income, which is an affordable ownership market by national standards. Residents 65 and over outnumber those under 18, at 27.1 percent against 17.6 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.
Charlevoix County
Is Charlevoix County growing
- Population change since the 2020 census base0.21 percent
- Census 2020 base population26,049
- Births, 2024188
- Deaths, 2024332
- Natural change, 2024-144
- Net domestic migration, 2024138
- Net international migration, 202423
- Total net migration, 2024161
- Cumulative net domestic migration, 2021 to 2024638
- Rank by growth among US county-equivalents1752nd
The county has grown 0.21 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.
Charlevoix County
Where people moving to Charlevoix County come from
- Tax returns filed by households arriving894
- People arriving, from those returns1,514
- Adjusted gross income arriving$149.9 m
- Net adjusted gross income movement$0
- Average income of an arriving household$167,687
- Largest single originCharlevoix County Non-migrants (11,062 households)
- Largest single destination (11,062 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Charlevoix County Non-migrants | 11,062 | 21,130 | $1.09 bn |
| Other flows - Same State | 245 | 418 | $28.3 m |
| Other flows - Different State | 236 | 415 | $34.2 m |
| Emmet County | 120 | 193 | $9.8 m |
| Other flows - South | 104 | 189 | $7.5 m |
| Antrim County | 81 | 142 | $3.9 m |
| Other flows - Midwest | 70 | 107 | $13.4 m |
| Other flows - West | 62 | 119 | $13.2 m |
The largest single source of arrivals is Charlevoix 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.
Charlevoix County
What the Charlevoix County economy runs on
- County GDP, 2024$1.72 bn
- County GDP, 2023$1.64 bn
- GDP change, 2023 to 20245.2 percent
- GDP change over five years47.5 percent
- Rank by GDP among Michigan counties45th
- Rank by GDP among US county-equivalents1408th
- GDP per resident$65,908
Output grew 5.2 percent in the latest year and 47.5 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.
Charlevoix County
Who employs people in Charlevoix County
- Covered employment, annual average10,983
- Establishments reporting900
- Average annual pay$57,950
- Average weekly wage$1,114
- Sector 31-33, employment2,747
- Sector 31-33, average annual pay$76,754
- Sector 72, employment1,834
- Sector 72, average annual pay$37,675
- Sector 44-45, employment895
- Sector 44-45, average annual pay$40,881
- Sector 23, employment670
- Sector 23, average annual pay$58,882
- Sector 56, employment322
- Sector 71, employment302
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 2,747 | 52 | $76,754 |
| Sector 72 | 1,834 | 89 | $37,675 |
| Sector 44-45 | 895 | 110 | $40,881 |
| Sector 23 | 670 | 134 | $58,882 |
| Sector 56 | 322 | 56 | $52,542 |
| Sector 71 | 302 | 40 | $42,143 |
| Sector 81 | 266 | 78 | $42,435 |
| Sector 53 | 204 | 40 | $38,507 |
The largest sector is the biggest private employer group at 2,747 jobs, 25.0 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.
Charlevoix County
What businesses operate in Charlevoix County
- Establishments, all industries891
- Employment at those establishments9,264
- Annual payroll$519.8 m
- Establishments per 1,000 residents34.1
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.
Charlevoix County
What is being built in Charlevoix County
- Housing units authorised by permit, 2024113
- Declared construction value permitted$28.7 m
- Single family units authorised107
- Multifamily units authorised6
- Multifamily share of units5.3 percent
- Average declared value per unit$253,664
- Units authorised per 1,000 households9.2
Multifamily is 5.3 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Charlevoix County
How much SBA lending happens in Charlevoix County
- 7(a) approvals recorded63
- 7(a) gross approval dollars$18.8 m
- Average 7(a) approval$298,368
- Median 7(a) approval$75,000
- 10th percentile approval$20,000
- 90th percentile approval$517,500
- Largest single approval$3,705,000
- Jobs reported supported, 7(a)511
- Jobs per approval8.1
- Distinct 7(a) lenders active15
- Distinct industries receiving approvals38
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer11.1 percent
- Loans on real estate terms7
- Loans on working capital terms, 120 months or shorter52
- Franchise loans5
- Franchise share of approvals7.9 percent
- Leading industry by approval countAll Other Specialty Trade Contractors (8)
- Most active lenderThe Huntington National Bank (37)
- 504 approvals recorded13
- 504 gross approval dollars$3.1 m
- Average 504 approval$238,308
- Median 504 approval$184,000
- Distinct CDCs active2
- 504 jobs per approval5.1
- 504 jobs per million dollars approved21.3
- Most active CDCMichigan Certified Development Corporation (7)
- 7(a) share of SBA approvals82.9 percent
- Combined SBA approval dollars$21.9 m
The average approval of $298,368 sits well above the median of $75,000, 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 11.1 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.
Charlevoix County
Do SBA loans in Charlevoix County get paid back
- Loans with a final outcome recorded12
- Paid in full12
- Charged off0
- Charge off rate on resolved loans0.0 percent
- Status: Exempt from disclosure44
- Status: Paid in full12
- Status: Committed, not yet disbursed5
- Status: Cancelled2
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.
Charlevoix County
Which parts of Charlevoix County get the lending
- Places in the county with recorded lending8
- CHARLEVOIX, approvals22
- BOYNE CITY, approvals18
- East Jordan, approvals11
- Boyne Falls, approvals7
- Charleviox, approvals2
- ALANSON, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| CHARLEVOIX | 22 | $7,822,000 |
| BOYNE CITY | 18 | $4,390,200 |
| East Jordan | 11 | $841,800 |
| Boyne Falls | 7 | $1,613,200 |
| Charleviox | 2 | $15,000 |
| ALANSON | 1 | $250,000 |
| Jordan | 1 | $160,000 |
| Walloon Lake | 1 | $3,705,000 |
CHARLEVOIX accounts for 22 approvals against 18 in BOYNE CITY. 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.
Charlevoix County
How big is Charlevoix County
- Land area416 sq mi
- Rank by land area among Michigan counties80th of 83
- Width, east to west43.5 mi
- Height, north to south44.6 mi
- Geographies sharing a boundary4
- Residents per square mile of land63
- Establishments per square mile2.14
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.
Charlevoix County
What hazards affect Charlevoix County
- EPA radon zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
- Communities in the NFIP Community Status Book16
- Of those, participating in the NFIP14
- NFIP participation rate87.5 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.
- 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 Charlevoix 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 Charlevoix County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population26,108
- Households12,267
- Average household size2.13
- Median household income$76,531
- Median age50.4
Common questions
Charlevoix County questions, answered from the record.
How many people live in Charlevoix County, Michigan?
26,108, in 12,267 households, ranking 52nd of 83 Michigan counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Charlevoix County growing?
The population has grown 0.21 percent since the 2020 census base. In 2024 there were 188 births against 332 deaths, with net migration of 161. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Charlevoix County?
$76,531. The median owner-occupied home is valued at $276,800, which is 3.6 times income, and median gross rent is $949 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Charlevoix County?
891 establishments, employing 9,264 people with an annual payroll of $519.8 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 Charlevoix County?
Average annual pay is $57,950, or $1,114 a week, across 10,983 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Charlevoix County?
63 7(a) approvals totalling $18.8 m since FY2020, across 15 lenders, with a median approval of $75,000, plus 13 504 approvals worth $3.1 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Charlevoix 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 Charlevoix County?
113 housing units were authorised by permit in 2024, with a declared construction value of $28.7 m. Multifamily was 5.3 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Charlevoix 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 Charlevoix County come from?
The largest single origin is Charlevoix County Non-migrants, with 11,062 households. Arriving households report an average income of $167,687 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 Charlevoix 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 Charlevoix 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.