Delta County, Michigan: commercial real estate data.
Delta County, Michigan has a population of 36,813 across 1,171 square miles, down 0.6 percent since the 2020 census base. County output reached $1.64 bn in 2024, 991 establishments operate here, and the SBA record carries 27 7(a) approvals worth $23.5 m.
123 sourced county values · tier FULL · 12 sections
Delta County
How many people live in Delta County
- Population36,813
- Households15,971
- Average household size2.30
- Median household income$57,809
- Median age48.0
- Median gross rent$692 per month
- Median owner-occupied home value$157,100
- Home value to household income2.7 times
- Annual rent as a share of median income14.4 percent
- Adults 25 and over with a bachelor degree or higher20.6 percent
- Adults 25 and over with a graduate degree5.7 percent
- Adults 25 and over27,317
- Population under 187,037
- Share under 1819.1 percent
- Population 65 and over9,658
- Share 65 and over26.2 percent
- Working age population, 18 to 6420,118
- Civilian labor force15,743
- Unemployment rate4.2 percent
- Labor force participation, adults 18 and over52.9 percent
- Rank by population among Michigan counties43rd of 83
- Rank by population among US county-equivalents1292nd
Delta County is the 43rd largest of 83 Michigan counties by population. A median home costs 2.7 times median household income, which is an affordable ownership market by national standards. Residents 65 and over outnumber those under 18, at 26.2 percent against 19.1 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.
Delta County
Is Delta County growing
- Population change since the 2020 census base-0.59 percent
- Census 2020 base population36,904
- Births, 2024245
- Deaths, 2024496
- Natural change, 2024-251
- Net domestic migration, 202482
- Net international migration, 202414
- Total net migration, 202496
- Cumulative net domestic migration, 2021 to 2024716
- Rank by growth among US county-equivalents2052nd
The county has lost 0.59 percent of its population 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.
Delta County
Where people moving to Delta County come from
- Tax returns filed by households arriving646
- People arriving, from those returns1,108
- Adjusted gross income arriving$36.9 m
- Net adjusted gross income movement$0
- Average income of an arriving household$57,176
- Largest single originDelta County Non-migrants (14,736 households)
- Largest single destination (14,736 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Delta County Non-migrants | 14,736 | 28,741 | $993.2 m |
| Other flows - Different State | 287 | 493 | $17.4 m |
| Other flows - Same State | 179 | 311 | $10.4 m |
| Other flows - Midwest | 149 | 255 | $8.2 m |
| Other flows - West | 76 | 136 | $5.6 m |
| Marquette County | 64 | 106 | $2.7 m |
| Other flows - South | 62 | 102 | $3.6 m |
| Menominee County | 55 | 92 | $2.1 m |
The largest single source of arrivals is Delta 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.
Delta County
What the Delta County economy runs on
- County GDP, 2024$1.64 bn
- County GDP, 2023$1.55 bn
- GDP change, 2023 to 20245.8 percent
- GDP change over five years29.1 percent
- Rank by GDP among Michigan counties46th
- Rank by GDP among US county-equivalents1445th
- GDP per resident$44,420
Output grew 5.8 percent in the latest year and 29.1 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.
Delta County
Who employs people in Delta County
- Covered employment, annual average13,848
- Establishments reporting1,044
- Average annual pay$47,978
- Average weekly wage$923
- Sector 44-45, employment2,044
- Sector 44-45, average annual pay$33,451
- Sector 31-33, employment1,988
- Sector 31-33, average annual pay$73,880
- Sector 62, employment1,935
- Sector 62, average annual pay$50,830
- Sector 72, employment1,219
- Sector 72, average annual pay$19,144
- Sector 81, employment885
- Sector 56, employment861
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 2,044 | 145 | $33,451 |
| Sector 31-33 | 1,988 | 64 | $73,880 |
| Sector 62 | 1,935 | 87 | $50,830 |
| Sector 72 | 1,219 | 89 | $19,144 |
| Sector 81 | 885 | 111 | $32,440 |
| Sector 56 | 861 | 48 | $30,330 |
| Sector 23 | 639 | 116 | $65,147 |
| Sector 48-49 | 473 | 51 | $51,493 |
The largest sector is the biggest private employer group at 2,044 jobs, 14.8 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.
Delta County
What businesses operate in Delta County
- Establishments, all industries991
- Employment at those establishments11,596
- Annual payroll$547.9 m
- Establishments per 1,000 residents26.9
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.
Delta County
What is being built in Delta County
- Housing units authorised by permit, 202438
- Declared construction value permitted$11.5 m
- Single family units authorised36
- Multifamily units authorised2
- Multifamily share of units5.3 percent
- Average declared value per unit$302,927
- Units authorised per 1,000 households2.4
Multifamily is 5.3 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Delta County
How much SBA lending happens in Delta County
- 7(a) approvals recorded27
- 7(a) gross approval dollars$23.5 m
- Average 7(a) approval$871,259
- Median 7(a) approval$397,000
- 10th percentile approval$100,000
- 90th percentile approval$2,100,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)296
- Jobs per approval11.0
- Distinct 7(a) lenders active16
- Distinct industries receiving approvals17
- Median 7(a) term144 months
- Share of loans on real estate terms, 240 months or longer33.3 percent
- Loans on real estate terms9
- Loans on working capital terms, 120 months or shorter12
- Franchise loans9
- Franchise share of approvals33.3 percent
- Leading industry by approval countHotels (except Casino Hotels) and Motels (7)
- Most active lenderNicolet National Bank (5)
- 504 approvals recorded1
- 504 gross approval dollars$653,000
- Average 504 approval$653,000
- Median 504 approval$653,000
- Distinct CDCs active1
- 504 jobs per approval10.0
- 504 jobs per million dollars approved15.3
- Most active CDCGreat Lakes Commercial Finance (1)
- 7(a) share of SBA approvals96.4 percent
- Combined SBA approval dollars$24.2 m
The average approval of $871,259 sits well above the median of $397,000, 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. 33.3 percent of approvals run on real estate terms of 240 months or more, so this is a market where SBA credit is buying buildings, not just funding operations.
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.
Delta County
Do SBA loans in Delta County get paid back
- Loans with a final outcome recorded8
- Paid in full8
- Charged off0
- Status: Exempt from disclosure18
- Status: Paid in full8
- Status: Cancelled1
Too few loans have reached a final outcome to publish a charge off rate. only 8 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.
Delta County
Which parts of Delta County get the lending
- Places in the county with recorded lending4
- Escanaba, approvals18
- Gladstone, approvals7
- Rapid River, approvals1
- Cooks, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Escanaba | 18 | $17,398,200 |
| Gladstone | 7 | $5,460,800 |
| Rapid River | 1 | $325,000 |
| Cooks | 1 | $340,000 |
Escanaba accounts for 18 approvals against 7 in Gladstone. 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.
Delta County
How big is Delta County
- Land area1,171 sq mi
- Rank by land area among Michigan counties4th of 83
- Width, east to west43.8 mi
- Height, north to south42 mi
- Geographies sharing a boundary4
- Residents per square mile of land31
- Establishments per square mile0.85
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.
Delta County
What hazards affect Delta County
- EPA radon zone predicted average indoor radon screening level less than 2 pCi/LZone 3
- 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 3, a predicted average indoor radon screening level less than 2 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 Delta 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 Delta County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population36,813
- Households15,971
- Average household size2.30
- Median household income$57,809
- Median age48.0
Common questions
Delta County questions, answered from the record.
How many people live in Delta County, Michigan?
36,813, in 15,971 households, ranking 43rd of 83 Michigan counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Delta County growing?
The population has fallen 0.59 percent since the 2020 census base. In 2024 there were 245 births against 496 deaths, with net migration of 96. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Delta County?
$57,809. The median owner-occupied home is valued at $157,100, which is 2.7 times income, and median gross rent is $692 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Delta County?
991 establishments, employing 11,596 people with an annual payroll of $547.9 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 Delta County?
Average annual pay is $47,978, or $923 a week, across 13,848 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Delta County?
27 7(a) approvals totalling $23.5 m since FY2020, across 16 lenders, with a median approval of $397,000, plus 1 504 approvals worth $653,000. These are approvals recorded in the release, not loans disbursed.
What is being built in Delta County?
38 housing units were authorised by permit in 2024, with a declared construction value of $11.5 m. Multifamily was 5.3 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Delta County?
Zone 3, a predicted average indoor radon screening level less than 2 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Delta County come from?
The largest single origin is Delta County Non-migrants, with 14,736 households. Arriving households report an average income of $57,176 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 Delta 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 Delta 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.