Macomb County, Michigan: commercial real estate data.
Macomb County, Michigan has a population of 879,853 across 479 square miles, up 0.6 percent since the 2020 census base. County output reached $54.18 bn in 2024, 19,593 establishments operate here, and the SBA record carries 1,517 7(a) approvals worth $495.3 m.
129 sourced county values · tier FULL · 12 sections
Macomb County
How many people live in Macomb County
- Population879,853
- Households358,668
- Average household size2.45
- Median household income$77,837
- Median age41.3
- Median gross rent$1,211 per month
- Median owner-occupied home value$243,900
- Home value to household income3.1 times
- Annual rent as a share of median income18.7 percent
- Adults 25 and over with a bachelor degree or higher27.7 percent
- Adults 25 and over with a graduate degree9.6 percent
- Adults 25 and over629,501
- Population under 18181,649
- Share under 1820.6 percent
- Population 65 and over160,868
- Share 65 and over18.3 percent
- Working age population, 18 to 64537,336
- Civilian labor force459,271
- Unemployment rate5.7 percent
- Labor force participation, adults 18 and over65.8 percent
- Rank by population among Michigan counties3rd of 83
- Rank by population among US county-equivalents66th
Macomb County is the 3rd largest of 83 Michigan counties by population. A median home costs 3.1 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 20.6 percent against 18.3 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Macomb County
Is Macomb County growing
- Population change since the 2020 census base0.56 percent
- Census 2020 base population881,233
- Births, 20248,466
- Deaths, 20248,761
- Natural change, 2024-295
- Net domestic migration, 20241,588
- Net international migration, 20245,651
- Total net migration, 20247,239
- Cumulative net domestic migration, 2021 to 2024-3,349
- Rank by growth among US county-equivalents1625th
The county has grown 0.56 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.
Macomb County
Where people moving to Macomb County come from
- Tax returns filed by households arriving17,940
- People arriving, from those returns30,631
- Adjusted gross income arriving$975.8 m
- Net adjusted gross income movement$0
- Average income of an arriving household$54,393
- Largest single originMacomb County Non-migrants (370,944 households)
- Largest single destination (370,944 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Macomb County Non-migrants | 370,944 | 702,231 | $27.62 bn |
| Wayne County | 5,371 | 10,124 | $230.5 m |
| Oakland County | 5,315 | 8,438 | $329.4 m |
| Other flows - Different State | 2,521 | 4,409 | $157.2 m |
| Other flows - South | 1,209 | 2,157 | $73.9 m |
| St. Clair County | 963 | 1,565 | $48.3 m |
| Other flows - Midwest | 594 | 970 | $35.1 m |
| Other flows - West | 404 | 702 | $27.3 m |
The largest single source of arrivals is Macomb 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.
Macomb County
What the Macomb County economy runs on
- County GDP, 2024$54.18 bn
- County GDP, 2023$52.35 bn
- GDP change, 2023 to 20243.5 percent
- GDP change over five years35.6 percent
- Rank by GDP among Michigan counties4th
- Rank by GDP among US county-equivalents109th
- GDP per resident$61,575
Output grew 3.5 percent in the latest year and 35.6 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.
Macomb County
Who employs people in Macomb County
- Covered employment, annual average336,295
- Establishments reporting19,678
- Average annual pay$71,046
- Average weekly wage$1,366
- Sector 31-33, employment63,562
- Sector 31-33, average annual pay$84,856
- Sector 62, employment43,428
- Sector 62, average annual pay$56,939
- Sector 44-45, employment40,456
- Sector 44-45, average annual pay$42,720
- Sector 54, employment30,840
- Sector 54, average annual pay$129,262
- Sector 72, employment28,154
- Sector 23, employment17,630
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 63,562 | 1,628 | $84,856 |
| Sector 62 | 43,428 | 2,437 | $56,939 |
| Sector 44-45 | 40,456 | 2,507 | $42,720 |
| Sector 54 | 30,840 | 1,676 | $129,262 |
| Sector 72 | 28,154 | 1,648 | $24,799 |
| Sector 23 | 17,630 | 2,080 | $83,549 |
| Sector 56 | 14,731 | 1,172 | $56,519 |
| Sector 48-49 | 13,767 | 912 | $65,932 |
The largest sector is the biggest private employer group at 63,562 jobs, 18.9 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.
Macomb County
What businesses operate in Macomb County
- Establishments, all industries19,593
- Employment at those establishments328,741
- Annual payroll$20.37 bn
- Establishments per 1,000 residents22.3
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.
Macomb County
What is being built in Macomb County
- Housing units authorised by permit, 20241,317
- Declared construction value permitted$526.3 m
- Single family units authorised1,080
- Multifamily units authorised237
- Multifamily share of units18.0 percent
- Average declared value per unit$399,596
- Units authorised per 1,000 households3.7
Multifamily is 18.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Macomb County
How much SBA lending happens in Macomb County
- 7(a) approvals recorded1,517
- 7(a) gross approval dollars$495.3 m
- Average 7(a) approval$326,480
- Median 7(a) approval$100,000
- 10th percentile approval$25,000
- 90th percentile approval$852,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)10,930
- Jobs per approval7.2
- Distinct 7(a) lenders active82
- Distinct industries receiving approvals290
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer9.2 percent
- Loans on real estate terms140
- Loans on working capital terms, 120 months or shorter1,323
- Franchise loans100
- Franchise share of approvals6.6 percent
- Leading industry by approval countGeneral Freight Trucking, Long-Distance, Truckload (215)
- Most active lenderThe Huntington National Bank (883)
- 504 approvals recorded247
- 504 gross approval dollars$152.1 m
- Average 504 approval$615,676
- Median 504 approval$424,000
- Distinct CDCs active6
- 504 jobs per approval14.1
- 504 jobs per million dollars approved22.9
- Most active CDCMichigan Certified Development Corporation (155)
- 7(a) share of SBA approvals86.0 percent
- Combined SBA approval dollars$647.3 m
The average approval of $326,480 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 9.2 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.
Macomb County
Do SBA loans in Macomb County get paid back
- Loans with a final outcome recorded330
- Paid in full321
- Charged off9
- Charge off rate on resolved loans2.7 percent
- Status: Exempt from disclosure922
- Status: Paid in full321
- Status: Cancelled178
- Status: Charged off9
- Status: Committed, not yet disbursed87
| NAICS | Industry | Resolved loans | Charged off | Charge off rate |
|---|---|---|---|---|
| 484121 | General Freight Trucking, Long-Distance, Truckload | 80 | 1 | 1.3% |
| 484110 | General Freight Trucking, Local | 37 | 1 | 2.7% |
| 236118 | Residential Remodelers | 10 | 0 | 0.0% |
Of the 330 loans that have reached a final outcome, 2.7 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. Among industries with at least ten resolved loans, General Freight Trucking, Local carries the highest charge off rate at 2.7 percent.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Macomb County
Which parts of Macomb County get the lending
- Places in the county with recorded lending56
- Sterling Heights, approvals250
- Clinton Township, approvals181
- WARREN, approvals174
- Macomb, approvals149
- SHELBY TOWNSHIP, approvals138
- SAINT CLAIR SHORES, approvals74
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Sterling Heights | 250 | $71,543,100 |
| Clinton Township | 181 | $63,688,300 |
| WARREN | 174 | $79,438,900 |
| Macomb | 149 | $25,676,300 |
| SHELBY TOWNSHIP | 138 | $54,478,300 |
| SAINT CLAIR SHORES | 74 | $25,715,400 |
| ROSEVILLE | 69 | $34,908,100 |
| CHESTERFIELD | 64 | $14,574,800 |
Sterling Heights accounts for 250 approvals against 181 in Clinton Township. 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.
Macomb County
How big is Macomb County
- Land area479 sq mi
- Rank by land area among Michigan counties75th of 83
- Width, east to west20.1 mi
- Height, north to south31.1 mi
- Geographies sharing a boundary4
- Residents per square mile of land1,837
- Establishments per square mile40.90
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.
Macomb County
What hazards affect Macomb County
- EPA radon zone predicted average indoor radon screening level less than 2 pCi/LZone 3
- Communities in the NFIP Community Status Book25
- Of those, participating in the NFIP24
- NFIP participation rate96.0 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 7
- Communities carrying a CRS class2
The EPA places the county in radon zone 3, a predicted average indoor radon screening level less than 2 pCi/L. The best Community Rating System class in the county is 7, 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 Macomb 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 Macomb County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population879,853
- Households358,668
- Average household size2.45
- Median household income$77,837
- Median age41.3
Common questions
Macomb County questions, answered from the record.
How many people live in Macomb County, Michigan?
879,853, in 358,668 households, ranking 3rd of 83 Michigan counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Macomb County growing?
The population has grown 0.56 percent since the 2020 census base. In 2024 there were 8,466 births against 8,761 deaths, with net migration of 7,239. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Macomb County?
$77,837. The median owner-occupied home is valued at $243,900, which is 3.1 times income, and median gross rent is $1,211 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Macomb County?
19,593 establishments, employing 328,741 people with an annual payroll of $20.37 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 Macomb County?
Average annual pay is $71,046, or $1,366 a week, across 336,295 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Macomb County?
1,517 7(a) approvals totalling $495.3 m since FY2020, across 82 lenders, with a median approval of $100,000, plus 247 504 approvals worth $152.1 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Macomb County get paid back?
Of the 330 loans that have reached a final outcome, 321 were paid in full and 9 charged off, a charge off rate of 2.7 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Macomb County?
1,317 housing units were authorised by permit in 2024, with a declared construction value of $526.3 m. Multifamily was 18.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Macomb 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 Macomb County come from?
The largest single origin is Macomb County Non-migrants, with 370,944 households. Arriving households report an average income of $54,393 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 Macomb 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 Macomb 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.