Midland County, Michigan: commercial real estate data.
Midland County, Michigan has a population of 83,757 across 516 square miles, up 0.6 percent since the 2020 census base. County output reached $7.78 bn in 2024, 1,795 establishments operate here, and the SBA record carries 101 7(a) approvals worth $36.8 m.
129 sourced county values · tier FULL · 12 sections
Midland County
How many people live in Midland County
- Population83,757
- Households34,993
- Average household size2.39
- Median household income$77,705
- Median age41.8
- Median gross rent$1,016 per month
- Median owner-occupied home value$195,400
- Home value to household income2.5 times
- Annual rent as a share of median income15.7 percent
- Adults 25 and over with a bachelor degree or higher36.5 percent
- Adults 25 and over with a graduate degree14.7 percent
- Adults 25 and over59,935
- Population under 1817,545
- Share under 1820.9 percent
- Population 65 and over16,923
- Share 65 and over20.2 percent
- Working age population, 18 to 6449,289
- Civilian labor force40,590
- Unemployment rate4.4 percent
- Labor force participation, adults 18 and over61.3 percent
- Rank by population among Michigan counties24th of 83
- Rank by population among US county-equivalents698th
Midland County is the 24th largest of 83 Michigan counties by population. A median home costs 2.5 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 20.9 percent against 20.2 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Midland County
Is Midland County growing
- Population change since the 2020 census base0.63 percent
- Census 2020 base population83,497
- Births, 2024801
- Deaths, 2024848
- Natural change, 2024-47
- Net domestic migration, 2024-154
- Net international migration, 2024216
- Total net migration, 202462
- Cumulative net domestic migration, 2021 to 2024380
- Rank by growth among US county-equivalents1609th
The county has grown 0.63 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.
Midland County
Where people moving to Midland County come from
- Tax returns filed by households arriving2,395
- People arriving, from those returns4,123
- Adjusted gross income arriving$183.1 m
- Net adjusted gross income movement$0
- Average income of an arriving household$76,469
- Largest single originMidland County Non-migrants (32,933 households)
- Largest single destination (32,933 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Midland County Non-migrants | 32,933 | 67,215 | $3.12 bn |
| Other flows - Different State | 683 | 1,314 | $73.7 m |
| Bay County | 333 | 528 | $17.0 m |
| Other flows - Same State | 330 | 507 | $18.3 m |
| Saginaw County | 290 | 500 | $15.9 m |
| Other flows - South | 289 | 537 | $23.4 m |
| Other flows - West | 170 | 339 | $27.2 m |
| Isabella County | 169 | 277 | $7.1 m |
The largest single source of arrivals is Midland 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.
Midland County
What the Midland County economy runs on
- County GDP, 2024$7.78 bn
- County GDP, 2023$7.53 bn
- GDP change, 2023 to 20243.3 percent
- GDP change over five years31.6 percent
- Rank by GDP among Michigan counties17th
- Rank by GDP among US county-equivalents541st
- GDP per resident$92,871
Output grew 3.3 percent in the latest year and 31.6 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.
Midland County
Who employs people in Midland County
- Covered employment, annual average38,288
- Establishments reporting3,932
- Average annual pay$72,021
- Average weekly wage$1,385
- Sector 62, employment8,647
- Sector 62, average annual pay$48,642
- Sector 31-33, employment4,610
- Sector 31-33, average annual pay$96,831
- Sector 55, employment3,834
- Sector 55, average annual pay$181,506
- Sector 44-45, employment3,254
- Sector 44-45, average annual pay$36,341
- Sector 56, employment3,036
- Sector 72, employment2,955
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 8,647 | 1,912 | $48,642 |
| Sector 31-33 | 4,610 | 82 | $96,831 |
| Sector 55 | 3,834 | 19 | $181,506 |
| Sector 44-45 | 3,254 | 226 | $36,341 |
| Sector 56 | 3,036 | 92 | $102,639 |
| Sector 72 | 2,955 | 146 | $22,605 |
| Sector 23 | 2,209 | 202 | $69,463 |
| Sector 81 | 1,816 | 615 | $33,692 |
The largest sector is the biggest private employer group at 8,647 jobs, 22.6 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.
Midland County
What businesses operate in Midland County
- Establishments, all industries1,795
- Employment at those establishments37,324
- Annual payroll$2.75 bn
- Establishments per 1,000 residents21.4
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.
Midland County
What is being built in Midland County
- Housing units authorised by permit, 2024314
- Declared construction value permitted$74.8 m
- Single family units authorised104
- Multifamily units authorised210
- Multifamily share of units66.9 percent
- Average declared value per unit$238,215
- Units authorised per 1,000 households9.0
Multifamily is 66.9 percent of units authorised, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Midland County
How much SBA lending happens in Midland County
- 7(a) approvals recorded101
- 7(a) gross approval dollars$36.8 m
- Average 7(a) approval$364,560
- Median 7(a) approval$150,000
- 10th percentile approval$25,000
- 90th percentile approval$924,100
- Largest single approval$4,950,000
- Jobs reported supported, 7(a)1,336
- Jobs per approval13.2
- Distinct 7(a) lenders active19
- Distinct industries receiving approvals56
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer8.9 percent
- Loans on real estate terms9
- Loans on working capital terms, 120 months or shorter83
- Franchise loans18
- Franchise share of approvals17.8 percent
- Leading industry by approval countFull-Service Restaurants (8)
- Most active lenderThe Huntington National Bank (44)
- 504 approvals recorded20
- 504 gross approval dollars$10.0 m
- Average 504 approval$498,450
- Median 504 approval$363,000
- Distinct CDCs active3
- 504 jobs per approval7.8
- 504 jobs per million dollars approved15.5
- Most active CDCMichigan Certified Development Corporation (18)
- 7(a) share of SBA approvals83.5 percent
- Combined SBA approval dollars$46.8 m
The average approval of $364,560 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 8.9 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.
Midland County
Do SBA loans in Midland County get paid back
- Loans with a final outcome recorded24
- Paid in full23
- Charged off1
- Charge off rate on resolved loans4.2 percent
- Status: Exempt from disclosure57
- Status: Paid in full23
- Status: Cancelled8
- Status: Charged off1
- Status: Committed, not yet disbursed12
Of the 24 loans that have reached a final outcome, 4.2 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.
Midland County
Which parts of Midland County get the lending
- Places in the county with recorded lending8
- MIDLAND, approvals86
- Sanford, approvals6
- HOPE, approvals3
- Coleman, approvals2
- Traverse City, approvals1
- SAINT CHARLES, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| MIDLAND | 86 | $34,716,100 |
| Sanford | 6 | $539,000 |
| HOPE | 3 | $975,400 |
| Coleman | 2 | $55,000 |
| Traverse City | 1 | $35,000 |
| SAINT CHARLES | 1 | $50,000 |
| SHEPHERD | 1 | $50,100 |
| LINWOOD | 1 | $400,000 |
MIDLAND accounts for 86 approvals against 6 in Sanford. 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.
Midland County
How big is Midland County
- Land area516 sq mi
- Rank by land area among Michigan counties66th of 83
- Width, east to west22.1 mi
- Height, north to south24.9 mi
- Geographies sharing a boundary5
- Residents per square mile of land162
- Establishments per square mile3.48
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.
Midland County
What hazards affect Midland County
- EPA radon zone predicted average indoor radon screening level less than 2 pCi/LZone 3
- Communities in the NFIP Community Status Book14
- Of those, participating in the NFIP14
- 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 5
- Communities carrying a CRS class1
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 5, 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 Midland 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 Midland County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population83,757
- Households34,993
- Average household size2.39
- Median household income$77,705
- Median age41.8
Common questions
Midland County questions, answered from the record.
How many people live in Midland County, Michigan?
83,757, in 34,993 households, ranking 24th of 83 Michigan counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Midland County growing?
The population has grown 0.63 percent since the 2020 census base. In 2024 there were 801 births against 848 deaths, with net migration of 62. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Midland County?
$77,705. The median owner-occupied home is valued at $195,400, which is 2.5 times income, and median gross rent is $1,016 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Midland County?
1,795 establishments, employing 37,324 people with an annual payroll of $2.75 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 Midland County?
Average annual pay is $72,021, or $1,385 a week, across 38,288 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Midland County?
101 7(a) approvals totalling $36.8 m since FY2020, across 19 lenders, with a median approval of $150,000, plus 20 504 approvals worth $10.0 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Midland County get paid back?
Of the 24 loans that have reached a final outcome, 23 were paid in full and 1 charged off, a charge off rate of 4.2 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Midland County?
314 housing units were authorised by permit in 2024, with a declared construction value of $74.8 m. Multifamily was 66.9 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Midland 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 Midland County come from?
The largest single origin is Midland County Non-migrants, with 32,933 households. Arriving households report an average income of $76,469 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 Midland 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 Midland 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.