Genesee County, Michigan: commercial real estate data.
Genesee County, Michigan has a population of 403,305 across 637 square miles, down 1.0 percent since the 2020 census base. County output reached $20.16 bn in 2024, 7,733 establishments operate here, and the SBA record carries 607 7(a) approvals worth $202.4 m.
129 sourced county values · tier FULL · 12 sections
Genesee County
How many people live in Genesee County
- Population403,305
- Households167,334
- Average household size2.41
- Median household income$62,281
- Median age40.6
- Median gross rent$989 per month
- Median owner-occupied home value$182,400
- Home value to household income2.9 times
- Annual rent as a share of median income19.1 percent
- Adults 25 and over with a bachelor degree or higher23.3 percent
- Adults 25 and over with a graduate degree8.0 percent
- Adults 25 and over280,648
- Population under 1889,589
- Share under 1822.2 percent
- Population 65 and over75,735
- Share 65 and over18.8 percent
- Working age population, 18 to 64237,981
- Civilian labor force189,612
- Unemployment rate8.1 percent
- Labor force participation, adults 18 and over60.4 percent
- Rank by population among Michigan counties5th of 83
- Rank by population among US county-equivalents184th
Genesee County is the 5th largest of 83 Michigan 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 22.2 percent against 18.8 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Genesee County
Is Genesee County growing
- Population change since the 2020 census base-0.97 percent
- Census 2020 base population406,220
- Births, 20244,228
- Deaths, 20244,998
- Natural change, 2024-770
- Net domestic migration, 2024280
- Net international migration, 20241,058
- Total net migration, 20241,338
- Cumulative net domestic migration, 2021 to 2024-1,810
- Rank by growth among US county-equivalents2178th
The county has lost 0.97 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.
Genesee County
Where people moving to Genesee County come from
- Tax returns filed by households arriving7,587
- People arriving, from those returns12,759
- Adjusted gross income arriving$417.5 m
- Net adjusted gross income movement$0
- Average income of an arriving household$55,023
- Largest single originGenesee County Non-migrants (156,965 households)
- Largest single destination (156,965 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Genesee County Non-migrants | 156,965 | 301,879 | $10.42 bn |
| Other flows - Different State | 1,671 | 2,968 | $92.3 m |
| Oakland County | 1,565 | 2,633 | $106.0 m |
| Other flows - South | 860 | 1,572 | $44.0 m |
| Livingston County | 499 | 853 | $32.3 m |
| Lapeer County | 469 | 773 | $21.3 m |
| Wayne County | 379 | 618 | $20.1 m |
| Other flows - Same State | 372 | 572 | $15.2 m |
The largest single source of arrivals is Genesee 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.
Genesee County
What the Genesee County economy runs on
- County GDP, 2024$20.16 bn
- County GDP, 2023$19.35 bn
- GDP change, 2023 to 20244.2 percent
- GDP change over five years25.2 percent
- Rank by GDP among Michigan counties9th
- Rank by GDP among US county-equivalents259th
- GDP per resident$49,986
Output grew 4.2 percent in the latest year and 25.2 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.
Genesee County
Who employs people in Genesee County
- Covered employment, annual average133,787
- Establishments reporting7,296
- Average annual pay$55,798
- Average weekly wage$1,073
- Sector 62, employment23,203
- Sector 62, average annual pay$65,712
- Sector 44-45, employment17,957
- Sector 44-45, average annual pay$40,450
- Sector 31-33, employment13,485
- Sector 31-33, average annual pay$75,316
- Sector 72, employment13,246
- Sector 72, average annual pay$21,873
- Sector 56, employment10,721
- Sector 42, employment6,480
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 23,203 | 1,129 | $65,712 |
| Sector 44-45 | 17,957 | 1,160 | $40,450 |
| Sector 31-33 | 13,485 | 308 | $75,316 |
| Sector 72 | 13,246 | 648 | $21,873 |
| Sector 56 | 10,721 | 416 | $38,337 |
| Sector 42 | 6,480 | 276 | $70,316 |
| Sector 23 | 6,477 | 656 | $79,898 |
| Sector 54 | 5,055 | 654 | $64,896 |
The largest sector is the biggest private employer group at 23,203 jobs, 17.3 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.
Genesee County
What businesses operate in Genesee County
- Establishments, all industries7,733
- Employment at those establishments121,033
- Annual payroll$6.15 bn
- Establishments per 1,000 residents19.2
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against.
US Census Bureau, County Business Patterns, 2023.
Genesee County
What is being built in Genesee County
- Housing units authorised by permit, 2024420
- Declared construction value permitted$121.7 m
- Single family units authorised339
- Multifamily units authorised81
- Multifamily share of units19.3 percent
- Average declared value per unit$289,769
- Units authorised per 1,000 households2.5
Multifamily is 19.3 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Genesee County
How much SBA lending happens in Genesee County
- 7(a) approvals recorded607
- 7(a) gross approval dollars$202.4 m
- Average 7(a) approval$333,508
- Median 7(a) approval$105,000
- 10th percentile approval$25,000
- 90th percentile approval$775,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)6,103
- Jobs per approval10.1
- Distinct 7(a) lenders active65
- Distinct industries receiving approvals200
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer16.8 percent
- Loans on real estate terms102
- Loans on working capital terms, 120 months or shorter483
- Franchise loans46
- Franchise share of approvals7.6 percent
- Leading industry by approval countFull-Service Restaurants (41)
- Most active lenderThe Huntington National Bank (308)
- 504 approvals recorded98
- 504 gross approval dollars$54.9 m
- Average 504 approval$560,347
- Median 504 approval$378,000
- Distinct CDCs active4
- 504 jobs per approval16.3
- 504 jobs per million dollars approved29.0
- Most active CDCMichigan Certified Development Corporation (81)
- 7(a) share of SBA approvals86.1 percent
- Combined SBA approval dollars$257.4 m
The average approval of $333,508 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 16.8 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.
Genesee County
Do SBA loans in Genesee County get paid back
- Loans with a final outcome recorded121
- Paid in full105
- Charged off16
- Charge off rate on resolved loans13.2 percent
- Status: Paid in full105
- Status: Exempt from disclosure392
- Status: Cancelled60
- Status: Charged off16
- Status: Committed, not yet disbursed34
Of the 121 loans that have reached a final outcome, 13.2 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.
Genesee County
Which parts of Genesee County get the lending
- Places in the county with recorded lending23
- Flint, approvals191
- Grand Blanc, approvals86
- FENTON, approvals75
- BURTON, approvals43
- Davison, approvals37
- Linden, approvals29
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Flint | 191 | $54,929,400 |
| Grand Blanc | 86 | $30,957,000 |
| FENTON | 75 | $44,646,800 |
| BURTON | 43 | $16,321,400 |
| Davison | 37 | $6,723,200 |
| Linden | 29 | $7,437,800 |
| Flushing | 27 | $4,624,200 |
| Clio | 23 | $4,037,500 |
Flint accounts for 191 approvals against 86 in Grand Blanc. 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.
Genesee County
How big is Genesee County
- Land area637 sq mi
- Rank by land area among Michigan counties33rd of 83
- Width, east to west24.2 mi
- Height, north to south30.5 mi
- Geographies sharing a boundary6
- Residents per square mile of land633
- Establishments per square mile12.14
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.
Genesee County
What hazards affect Genesee County
- EPA radon zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
- Communities in the NFIP Community Status Book29
- Of those, participating in the NFIP29
- NFIP participation rate100.0 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 9
- Communities carrying a CRS class1
The EPA places the county in radon zone 2, a predicted average indoor radon screening level from 2 to 4 pCi/L. The best Community Rating System class in the county is 9, which carries a flood insurance premium discount for properties in the participating community.
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 Genesee 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 Genesee County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population403,305
- Households167,334
- Average household size2.41
- Median household income$62,281
- Median age40.6
Common questions
Genesee County questions, answered from the record.
How many people live in Genesee County, Michigan?
403,305, in 167,334 households, ranking 5th of 83 Michigan counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Genesee County growing?
The population has fallen 0.97 percent since the 2020 census base. In 2024 there were 4,228 births against 4,998 deaths, with net migration of 1,338. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Genesee County?
$62,281. The median owner-occupied home is valued at $182,400, which is 2.9 times income, and median gross rent is $989 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Genesee County?
7,733 establishments, employing 121,033 people with an annual payroll of $6.15 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 Genesee County?
Average annual pay is $55,798, or $1,073 a week, across 133,787 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Genesee County?
607 7(a) approvals totalling $202.4 m since FY2020, across 65 lenders, with a median approval of $105,000, plus 98 504 approvals worth $54.9 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Genesee County get paid back?
Of the 121 loans that have reached a final outcome, 105 were paid in full and 16 charged off, a charge off rate of 13.2 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Genesee County?
420 housing units were authorised by permit in 2024, with a declared construction value of $121.7 m. Multifamily was 19.3 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Genesee 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 Genesee County come from?
The largest single origin is Genesee County Non-migrants, with 156,965 households. Arriving households report an average income of $55,023 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 Genesee 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 Genesee 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.