Livingston County, Michigan: commercial real estate data.
Livingston County, Michigan has a population of 195,833 across 565 square miles, up 1.6 percent since the 2020 census base. County output reached $10.12 bn in 2024, 4,495 establishments operate here, and the SBA record carries 308 7(a) approvals worth $154.3 m.
129 sourced county values · tier FULL · 12 sections
Livingston County
How many people live in Livingston County
- Population195,833
- Households76,445
- Average household size2.56
- Median household income$103,039
- Median age43.9
- Median gross rent$1,287 per month
- Median owner-occupied home value$356,800
- Home value to household income3.5 times
- Annual rent as a share of median income15.0 percent
- Adults 25 and over with a bachelor degree or higher40.2 percent
- Adults 25 and over with a graduate degree13.5 percent
- Adults 25 and over141,138
- Population under 1839,707
- Share under 1820.3 percent
- Population 65 and over38,667
- Share 65 and over19.7 percent
- Working age population, 18 to 64117,459
- Civilian labor force102,834
- Unemployment rate3.4 percent
- Labor force participation, adults 18 and over65.9 percent
- Rank by population among Michigan counties10th of 83
- Rank by population among US county-equivalents357th
Livingston County is the 10th largest of 83 Michigan counties by population. A median home costs 3.5 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 20.3 percent against 19.7 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Livingston County
Is Livingston County growing
- Population change since the 2020 census base1.60 percent
- Census 2020 base population193,876
- Births, 20241,658
- Deaths, 20241,663
- Natural change, 2024-5
- Net domestic migration, 202479
- Net international migration, 2024132
- Total net migration, 2024211
- Cumulative net domestic migration, 2021 to 20243,115
- Rank by growth among US county-equivalents1302nd
The county has grown 1.60 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.
Livingston County
Where people moving to Livingston County come from
- Tax returns filed by households arriving5,618
- People arriving, from those returns9,592
- Adjusted gross income arriving$490.7 m
- Net adjusted gross income movement$0
- Average income of an arriving household$87,339
- Largest single originLivingston County Non-migrants (78,977 households)
- Largest single destination (78,977 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Livingston County Non-migrants | 78,977 | 163,381 | $8.82 bn |
| Oakland County | 1,296 | 2,276 | $130.6 m |
| Other flows - Different State | 1,126 | 2,011 | $109.6 m |
| Wayne County | 831 | 1,436 | $71.2 m |
| Washtenaw County | 620 | 1,036 | $60.4 m |
| Other flows - South | 493 | 871 | $41.6 m |
| Genesee County | 476 | 829 | $30.8 m |
| Other flows - Same State | 310 | 497 | $23.6 m |
The largest single source of arrivals is Livingston 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.
Livingston County
What the Livingston County economy runs on
- County GDP, 2024$10.12 bn
- County GDP, 2023$9.83 bn
- GDP change, 2023 to 20242.9 percent
- GDP change over five years35.8 percent
- Rank by GDP among Michigan counties11th
- Rank by GDP among US county-equivalents434th
- GDP per resident$51,689
Output grew 2.9 percent in the latest year and 35.8 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.
Livingston County
Who employs people in Livingston County
- Covered employment, annual average64,380
- Establishments reporting4,784
- Average annual pay$57,015
- Average weekly wage$1,096
- Sector 31-33, employment9,756
- Sector 31-33, average annual pay$74,038
- Sector 44-45, employment8,298
- Sector 44-45, average annual pay$43,841
- Sector 62, employment7,974
- Sector 62, average annual pay$48,588
- Sector 72, employment7,462
- Sector 72, average annual pay$23,442
- Sector 54, employment4,832
- Sector 23, employment4,536
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 9,756 | 267 | $74,038 |
| Sector 44-45 | 8,298 | 462 | $43,841 |
| Sector 62 | 7,974 | 547 | $48,588 |
| Sector 72 | 7,462 | 292 | $23,442 |
| Sector 54 | 4,832 | 546 | $65,020 |
| Sector 23 | 4,536 | 681 | $78,008 |
| Sector 42 | 2,689 | 251 | $101,905 |
| Sector 81 | 2,157 | 446 | $45,157 |
The largest sector is the biggest private employer group at 9,756 jobs, 15.2 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.
Livingston County
What businesses operate in Livingston County
- Establishments, all industries4,495
- Employment at those establishments56,639
- Annual payroll$2.80 bn
- Establishments per 1,000 residents23.0
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.
Livingston County
What is being built in Livingston County
- Housing units authorised by permit, 2024488
- Declared construction value permitted$141.0 m
- Single family units authorised486
- Multifamily units authorised2
- Multifamily share of units0.4 percent
- Average declared value per unit$289,003
- Units authorised per 1,000 households6.4
Multifamily is 0.4 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Livingston County
How much SBA lending happens in Livingston County
- 7(a) approvals recorded308
- 7(a) gross approval dollars$154.3 m
- Average 7(a) approval$500,988
- Median 7(a) approval$150,000
- 10th percentile approval$25,000
- 90th percentile approval$1,515,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)3,507
- Jobs per approval11.4
- Distinct 7(a) lenders active46
- Distinct industries receiving approvals137
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer12.7 percent
- Loans on real estate terms39
- Loans on working capital terms, 120 months or shorter252
- Franchise loans30
- Franchise share of approvals9.7 percent
- Leading industry by approval countResidential Remodelers (12)
- Most active lenderThe Huntington National Bank (138)
- 504 approvals recorded76
- 504 gross approval dollars$53.3 m
- Average 504 approval$701,250
- Median 504 approval$534,000
- Distinct CDCs active4
- 504 jobs per approval13.1
- 504 jobs per million dollars approved18.7
- Most active CDCMichigan Certified Development Corporation (55)
- 7(a) share of SBA approvals80.2 percent
- Combined SBA approval dollars$207.6 m
The average approval of $500,988 sits well above the median of $150,000, 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 12.7 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.
Livingston County
Do SBA loans in Livingston County get paid back
- Loans with a final outcome recorded56
- Paid in full55
- Charged off1
- Charge off rate on resolved loans1.8 percent
- Status: Paid in full55
- Status: Exempt from disclosure202
- Status: Cancelled32
- Status: Committed, not yet disbursed18
- Status: Charged off1
Of the 56 loans that have reached a final outcome, 1.8 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.
Livingston County
Which parts of Livingston County get the lending
- Places in the county with recorded lending17
- HOWELL, approvals118
- BRIGHTON, approvals89
- Fowlerville, approvals24
- Pinckney, approvals18
- HARTLAND, approvals13
- FENTON, approvals10
| Place | Approvals | Gross approval dollars |
|---|---|---|
| HOWELL | 118 | $54,833,300 |
| BRIGHTON | 89 | $56,610,500 |
| Fowlerville | 24 | $7,886,200 |
| Pinckney | 18 | $2,826,600 |
| HARTLAND | 13 | $5,171,400 |
| FENTON | 10 | $7,626,800 |
| LINDEN | 7 | $2,710,000 |
| SOUTH LYON | 6 | $3,450,000 |
HOWELL accounts for 118 approvals against 89 in BRIGHTON. 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.
Livingston County
How big is Livingston County
- Land area565 sq mi
- Rank by land area among Michigan counties48th of 83
- Width, east to west25.1 mi
- Height, north to south24.8 mi
- Geographies sharing a boundary6
- Residents per square mile of land347
- Establishments per square mile7.96
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.
Livingston County
What hazards affect Livingston County
- EPA radon zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
- Communities in the NFIP Community Status Book20
- Of those, participating in the NFIP17
- NFIP participation rate85.0 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 8
- 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 8, 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 Livingston 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 Livingston County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population195,833
- Households76,445
- Average household size2.56
- Median household income$103,039
- Median age43.9
Common questions
Livingston County questions, answered from the record.
How many people live in Livingston County, Michigan?
195,833, in 76,445 households, ranking 10th of 83 Michigan counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Livingston County growing?
The population has grown 1.60 percent since the 2020 census base. In 2024 there were 1,658 births against 1,663 deaths, with net migration of 211. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Livingston County?
$103,039. The median owner-occupied home is valued at $356,800, which is 3.5 times income, and median gross rent is $1,287 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Livingston County?
4,495 establishments, employing 56,639 people with an annual payroll of $2.80 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 Livingston County?
Average annual pay is $57,015, or $1,096 a week, across 64,380 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Livingston County?
308 7(a) approvals totalling $154.3 m since FY2020, across 46 lenders, with a median approval of $150,000, plus 76 504 approvals worth $53.3 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Livingston County get paid back?
Of the 56 loans that have reached a final outcome, 55 were paid in full and 1 charged off, a charge off rate of 1.8 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Livingston County?
488 housing units were authorised by permit in 2024, with a declared construction value of $141.0 m. Multifamily was 0.4 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Livingston 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 Livingston County come from?
The largest single origin is Livingston County Non-migrants, with 78,977 households. Arriving households report an average income of $87,339 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 Livingston 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 Livingston 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.