Gladwin County, Michigan: commercial real estate data.
Gladwin County, Michigan has a population of 25,693 across 502 square miles, up 2.4 percent since the 2020 census base. County output reached $698.6 m in 2024, 433 establishments operate here, and the SBA record carries 26 7(a) approvals worth $8.1 m.
123 sourced county values · tier FULL · 12 sections
Gladwin County
How many people live in Gladwin County
- Population25,693
- Households11,280
- Average household size2.28
- Median household income$55,349
- Median age50.7
- Median gross rent$690 per month
- Median owner-occupied home value$162,300
- Home value to household income2.9 times
- Annual rent as a share of median income15.0 percent
- Adults 25 and over with a bachelor degree or higher16.9 percent
- Adults 25 and over with a graduate degree5.8 percent
- Adults 25 and over19,280
- Population under 184,852
- Share under 1818.9 percent
- Population 65 and over7,019
- Share 65 and over27.3 percent
- Working age population, 18 to 6413,822
- Civilian labor force10,161
- Unemployment rate6.8 percent
- Labor force participation, adults 18 and over48.8 percent
- Rank by population among Michigan counties55th of 83
- Rank by population among US county-equivalents1628th
Gladwin County is the 55th 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 65 and over outnumber those under 18, at 27.3 percent against 18.9 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.
Gladwin County
Is Gladwin County growing
- Population change since the 2020 census base2.43 percent
- Census 2020 base population25,378
- Births, 2024232
- Deaths, 2024405
- Natural change, 2024-173
- Net domestic migration, 2024187
- Net international migration, 202422
- Total net migration, 2024209
- Cumulative net domestic migration, 2021 to 20241,372
- Rank by growth among US county-equivalents1028th
The county has grown 2.43 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.
Gladwin County
Where people moving to Gladwin County come from
- Tax returns filed by households arriving863
- People arriving, from those returns1,576
- Adjusted gross income arriving$56.2 m
- Net adjusted gross income movement$0
- Average income of an arriving household$65,119
- Largest single originGladwin County Non-migrants (9,568 households)
- Largest single destination (9,568 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Gladwin County Non-migrants | 9,568 | 18,822 | $569.5 m |
| Other flows - Same State | 176 | 313 | $14.4 m |
| Other flows - Different State | 149 | 287 | $9.0 m |
| Midland County | 115 | 218 | $6.8 m |
| Other flows - South | 79 | 158 | $4.4 m |
| Clare County | 72 | 130 | $2.6 m |
| Oakland County | 59 | 106 | $6.4 m |
| Wayne County | 57 | 99 | $4.7 m |
The largest single source of arrivals is Gladwin 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.
Gladwin County
What the Gladwin County economy runs on
- County GDP, 2024$698.6 m
- County GDP, 2023$630.2 m
- GDP change, 2023 to 202410.9 percent
- GDP change over five years35.4 percent
- Rank by GDP among Michigan counties66th
- Rank by GDP among US county-equivalents2141st
- GDP per resident$27,189
Output grew 10.9 percent in the latest year and 35.4 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.
Gladwin County
Who employs people in Gladwin County
- Covered employment, annual average4,593
- Establishments reporting462
- Average annual pay$48,143
- Average weekly wage$926
- Sector 31-33, employment940
- Sector 31-33, average annual pay$71,485
- Sector 44-45, employment555
- Sector 44-45, average annual pay$32,456
- Sector 62, employment466
- Sector 62, average annual pay$43,932
- Sector 72, employment465
- Sector 72, average annual pay$16,748
- Sector 23, employment453
- Sector 81, employment304
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 940 | 31 | $71,485 |
| Sector 44-45 | 555 | 80 | $32,456 |
| Sector 62 | 466 | 50 | $43,932 |
| Sector 72 | 465 | 40 | $16,748 |
| Sector 23 | 453 | 67 | $60,478 |
| Sector 81 | 304 | 45 | $31,279 |
| Sector 56 | 129 | 14 | $56,917 |
| Sector 53 | 113 | 13 | $47,682 |
The largest sector is the biggest private employer group at 940 jobs, 20.5 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.
Gladwin County
What businesses operate in Gladwin County
- Establishments, all industries433
- Employment at those establishments4,882
- Annual payroll$214.2 m
- Establishments per 1,000 residents16.9
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.
Gladwin County
What is being built in Gladwin County
- Housing units authorised by permit, 202490
- Declared construction value permitted$21.4 m
- Single family units authorised90
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$237,744
- Units authorised per 1,000 households8.0
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Gladwin County
How much SBA lending happens in Gladwin County
- 7(a) approvals recorded26
- 7(a) gross approval dollars$8.1 m
- Average 7(a) approval$312,265
- Median 7(a) approval$100,000
- 10th percentile approval$23,000
- 90th percentile approval$657,600
- Largest single approval$2,811,000
- Jobs reported supported, 7(a)131
- Jobs per approval5.0
- Distinct 7(a) lenders active5
- Distinct industries receiving approvals19
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer19.2 percent
- Loans on real estate terms5
- Loans on working capital terms, 120 months or shorter18
- Franchise loans2
- Franchise share of approvals7.7 percent
- Leading industry by approval countSnack and Nonalcoholic Beverage Bars (3)
- Most active lenderThe Huntington National Bank (22)
- 504 approvals recorded3
- 504 gross approval dollars$1.2 m
- Average 504 approval$389,667
- Median 504 approval$283,000
- Distinct CDCs active1
- 504 jobs per approval11.7
- 504 jobs per million dollars approved29.9
- Most active CDCMichigan Certified Development Corporation (3)
- 7(a) share of SBA approvals89.7 percent
- Combined SBA approval dollars$9.3 m
The average approval of $312,265 sits well above the median of $100,000, 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 19.2 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. US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Gladwin County
Do SBA loans in Gladwin County get paid back
- Loans with a final outcome recorded2
- Paid in full2
- Charged off0
- Status: Paid in full2
- Status: Exempt from disclosure22
- Status: Committed, not yet disbursed2
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.
Gladwin County
Which parts of Gladwin County get the lending
- Places in the county with recorded lending4
- Gladwin, approvals14
- Beaverton, approvals10
- Rhodes, approvals1
- ALGER, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Gladwin | 14 | $2,131,200 |
| Beaverton | 10 | $5,741,600 |
| Rhodes | 1 | $26,100 |
| ALGER | 1 | $220,000 |
Gladwin accounts for 14 approvals against 10 in Beaverton. 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.
Gladwin County
How big is Gladwin County
- Land area502 sq mi
- Rank by land area among Michigan counties70th of 83
- Width, east to west22 mi
- Height, north to south23.9 mi
- Geographies sharing a boundary6
- Residents per square mile of land51
- Establishments per square mile0.86
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.
Gladwin County
What hazards affect Gladwin County
- EPA radon zone predicted average indoor radon screening level less than 2 pCi/LZone 3
- Communities in the NFIP Community Status Book15
- Of those, participating in the NFIP13
- NFIP participation rate86.7 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 Gladwin 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 Gladwin County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population25,693
- Households11,280
- Average household size2.28
- Median household income$55,349
- Median age50.7
Common questions
Gladwin County questions, answered from the record.
How many people live in Gladwin County, Michigan?
25,693, in 11,280 households, ranking 55th of 83 Michigan counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Gladwin County growing?
The population has grown 2.43 percent since the 2020 census base. In 2024 there were 232 births against 405 deaths, with net migration of 209. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Gladwin County?
$55,349. The median owner-occupied home is valued at $162,300, which is 2.9 times income, and median gross rent is $690 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Gladwin County?
433 establishments, employing 4,882 people with an annual payroll of $214.2 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 Gladwin County?
Average annual pay is $48,143, or $926 a week, across 4,593 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Gladwin County?
26 7(a) approvals totalling $8.1 m since FY2020, across 5 lenders, with a median approval of $100,000, plus 3 504 approvals worth $1.2 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Gladwin County?
90 housing units were authorised by permit in 2024, with a declared construction value of $21.4 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Gladwin 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 Gladwin County come from?
The largest single origin is Gladwin County Non-migrants, with 9,568 households. Arriving households report an average income of $65,119 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 Gladwin 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 Gladwin 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.