Mackinac County, Michigan: commercial real estate data.
Mackinac County, Michigan has a population of 10,957 across 1,022 square miles, up 3.0 percent since the 2020 census base. County output reached $692.9 m in 2024, 451 establishments operate here, and the SBA record carries 11 7(a) approvals worth $10.7 m.
121 sourced county values · tier FULL · 12 sections
Mackinac County
How many people live in Mackinac County
- Population10,957
- Households5,199
- Average household size2.11
- Median household income$63,909
- Median age53.0
- Median gross rent$760 per month
- Median owner-occupied home value$174,500
- Home value to household income2.7 times
- Annual rent as a share of median income14.3 percent
- Adults 25 and over with a bachelor degree or higher25.0 percent
- Adults 25 and over with a graduate degree9.3 percent
- Adults 25 and over8,686
- Population under 181,641
- Share under 1815.0 percent
- Population 65 and over3,255
- Share 65 and over29.7 percent
- Working age population, 18 to 646,061
- Civilian labor force4,855
- Unemployment rate8.0 percent
- Labor force participation, adults 18 and over52.1 percent
- Rank by population among Michigan counties74th of 83
- Rank by population among US county-equivalents2419th
Mackinac County is the 74th 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 29.7 percent against 15.0 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.
Mackinac County
Is Mackinac County growing
- Population change since the 2020 census base2.96 percent
- Census 2020 base population10,824
- Births, 202488
- Deaths, 2024171
- Natural change, 2024-83
- Net domestic migration, 2024164
- Net international migration, 2024123
- Total net migration, 2024287
- Cumulative net domestic migration, 2021 to 2024414
- Rank by growth among US county-equivalents880th
The county has grown 2.96 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.
Mackinac County
Where people moving to Mackinac County come from
- Tax returns filed by households arriving403
- People arriving, from those returns664
- Adjusted gross income arriving$42.5 m
- Net adjusted gross income movement$0
- Average income of an arriving household$105,362
- Largest single originMackinac County Non-migrants (4,715 households)
- Largest single destination (4,715 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Mackinac County Non-migrants | 4,715 | 8,585 | $315.5 m |
| Other flows - Same State | 215 | 367 | $27.1 m |
| Other flows - Different State | 148 | 239 | $13.9 m |
| Other flows - South | 70 | 112 | $2.7 m |
| Other flows - West | 43 | 63 | $6.2 m |
| Chippewa County | 40 | 58 | $1.4 m |
| Other flows - Midwest | 35 | 64 | $5.0 m |
The largest single source of arrivals is Mackinac 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.
Mackinac County
What the Mackinac County economy runs on
- County GDP, 2024$692.9 m
- County GDP, 2023$649.9 m
- GDP change, 2023 to 20246.6 percent
- GDP change over five years62.0 percent
- Rank by GDP among Michigan counties67th
- Rank by GDP among US county-equivalents2150th
- GDP per resident$63,238
Output grew 6.6 percent in the latest year and 62.0 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.
Mackinac County
Who employs people in Mackinac County
- Covered employment, annual average4,836
- Establishments reporting502
- Average annual pay$48,728
- Average weekly wage$937
- Sector 72, employment1,566
- Sector 72, average annual pay$44,814
- Sector 44-45, employment470
- Sector 44-45, average annual pay$38,330
- Sector 62, employment398
- Sector 62, average annual pay$67,520
- Sector 48-49, employment259
- Sector 48-49, average annual pay$53,027
- Sector 23, employment232
- Sector 81, employment144
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 72 | 1,566 | 114 | $44,814 |
| Sector 44-45 | 470 | 76 | $38,330 |
| Sector 62 | 398 | 18 | $67,520 |
| Sector 48-49 | 259 | 21 | $53,027 |
| Sector 23 | 232 | 60 | $50,176 |
| Sector 81 | 144 | 21 | $30,381 |
| Sector 31-33 | 108 | 13 | $58,106 |
| Sector 52 | 81 | 20 | $66,285 |
The largest sector is the biggest private employer group at 1,566 jobs, 32.4 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.
Mackinac County
What businesses operate in Mackinac County
- Establishments, all industries451
- Employment at those establishments2,342
- Annual payroll$173.1 m
- Establishments per 1,000 residents41.2
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.
Mackinac County
What is being built in Mackinac County
- Housing units authorised by permit, 202442
- Declared construction value permitted$9.0 m
- Single family units authorised42
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$214,571
- Units authorised per 1,000 households8.1
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Mackinac County
How much SBA lending happens in Mackinac County
- 7(a) approvals recorded11
- 7(a) gross approval dollars$10.7 m
- Average 7(a) approval$971,709
- Median 7(a) approval$850,000
- 10th percentile approval$225,000
- 90th percentile approval$2,450,000
- Largest single approval$2,450,000
- Jobs reported supported, 7(a)131
- Jobs per approval11.9
- Distinct 7(a) lenders active7
- Distinct industries receiving approvals9
- Median 7(a) term156 months
- Share of loans on real estate terms, 240 months or longer36.4 percent
- Loans on real estate terms4
- Loans on working capital terms, 120 months or shorter5
- Franchise loans3
- Franchise share of approvals27.3 percent
- Leading industry by approval countHotels (except Casino Hotels) and Motels (2)
- Most active lenderShoreham Bank (2)
- 504 approvals recorded9
- 504 gross approval dollars$12.1 m
- Average 504 approval$1,341,222
- Median 504 approval$611,000
- Distinct CDCs active1
- 504 jobs per approval14.3
- 504 jobs per million dollars approved10.7
- Most active CDCMichigan Certified Development Corporation (9)
- 7(a) share of SBA approvals55.0 percent
- Combined SBA approval dollars$22.8 m
The average approval of $971,709 sits close to the median of $850,000, so lending here is fairly evenly sized rather than driven by a few large deals. 36.4 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.
Mackinac County
Do SBA loans in Mackinac County get paid back
- Loans with a final outcome recorded1
- Paid in full1
- Charged off0
- Status: Exempt from disclosure8
- Status: Paid in full1
- Status: Cancelled2
Too few loans have reached a final outcome to publish a charge off rate. only 1 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.
Mackinac County
Which parts of Mackinac County get the lending
- Places in the county with recorded lending2
- Saint Ignace, approvals7
- CEDARVILLE, approvals4
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Saint Ignace | 7 | $8,755,000 |
| CEDARVILLE | 4 | $1,933,800 |
Saint Ignace accounts for 7 approvals against 4 in CEDARVILLE. 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.
Mackinac County
How big is Mackinac County
- Land area1,022 sq mi
- Rank by land area among Michigan counties9th of 83
- Width, east to west84.2 mi
- Height, north to south36.2 mi
- Geographies sharing a boundary3
- Residents per square mile of land11
- Establishments per square mile0.44
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.
Mackinac County
What hazards affect Mackinac County
- EPA radon zone predicted average indoor radon screening level less than 2 pCi/LZone 3
- Communities in the NFIP Community Status Book12
- Of those, participating in the NFIP11
- NFIP participation rate91.7 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 Mackinac 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 Mackinac County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population10,957
- Households5,199
- Average household size2.11
- Median household income$63,909
- Median age53.0
Common questions
Mackinac County questions, answered from the record.
How many people live in Mackinac County, Michigan?
10,957, in 5,199 households, ranking 74th of 83 Michigan counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Mackinac County growing?
The population has grown 2.96 percent since the 2020 census base. In 2024 there were 88 births against 171 deaths, with net migration of 287. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Mackinac County?
$63,909. The median owner-occupied home is valued at $174,500, which is 2.7 times income, and median gross rent is $760 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Mackinac County?
451 establishments, employing 2,342 people with an annual payroll of $173.1 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 Mackinac County?
Average annual pay is $48,728, or $937 a week, across 4,836 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Mackinac County?
11 7(a) approvals totalling $10.7 m since FY2020, across 7 lenders, with a median approval of $850,000, plus 9 504 approvals worth $12.1 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Mackinac County?
42 housing units were authorised by permit in 2024, with a declared construction value of $9.0 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Mackinac 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 Mackinac County come from?
The largest single origin is Mackinac County Non-migrants, with 4,715 households. Arriving households report an average income of $105,362 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 Mackinac 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 Mackinac 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.