Ogemaw County, Michigan: commercial real estate data.
Ogemaw County, Michigan has a population of 20,885 across 563 square miles, up 1.0 percent since the 2020 census base. County output reached $788.0 m in 2024, 567 establishments operate here, and the SBA record carries 21 7(a) approvals worth $3.0 m.
118 sourced county values · tier FULL · 11 sections
Ogemaw County
How many people live in Ogemaw County
- Population20,885
- Households9,370
- Average household size2.23
- Median household income$54,666
- Median age51.2
- Median gross rent$823 per month
- Median owner-occupied home value$154,900
- Home value to household income2.8 times
- Annual rent as a share of median income18.1 percent
- Adults 25 and over with a bachelor degree or higher17.2 percent
- Adults 25 and over with a graduate degree5.9 percent
- Adults 25 and over15,905
- Population under 183,720
- Share under 1817.8 percent
- Population 65 and over5,834
- Share 65 and over27.9 percent
- Working age population, 18 to 6411,331
- Civilian labor force8,402
- Unemployment rate6.2 percent
- Labor force participation, adults 18 and over48.9 percent
- Rank by population among Michigan counties64th of 83
- Rank by population among US county-equivalents1830th
Ogemaw County is the 64th largest of 83 Michigan counties by population. A median home costs 2.8 times median household income, which is an affordable ownership market by national standards. Residents 65 and over outnumber those under 18, at 27.9 percent against 17.8 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.
Ogemaw County
Is Ogemaw County growing
- Population change since the 2020 census base1.04 percent
- Census 2020 base population20,770
- Births, 2024162
- Deaths, 2024334
- Natural change, 2024-172
- Net domestic migration, 2024129
- Net international migration, 202444
- Total net migration, 2024173
- Cumulative net domestic migration, 2021 to 2024859
- Rank by growth among US county-equivalents1472nd
The county has grown 1.04 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.
Ogemaw County
Where people moving to Ogemaw County come from
- Tax returns filed by households arriving640
- People arriving, from those returns1,114
- Adjusted gross income arriving$62.6 m
- Net adjusted gross income movement$0
- Average income of an arriving household$97,838
- Largest single originOgemaw County Non-migrants (7,994 households)
- Largest single destination (7,994 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Ogemaw County Non-migrants | 7,994 | 15,515 | $428.0 m |
| Other flows - Same State | 162 | 277 | $9.5 m |
| Other flows - Different State | 107 | 197 | $6.0 m |
| Iosco County | 59 | 103 | $2.2 m |
| Other flows - South | 54 | 98 | $2.3 m |
| Arenac County | 42 | 73 | $1.2 m |
| Genesee County | 40 | 74 | $2.1 m |
| Roscommon County | 39 | 71 | $1.7 m |
The largest single source of arrivals is Ogemaw 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.
Ogemaw County
What the Ogemaw County economy runs on
- County GDP, 2024$788.0 m
- County GDP, 2023$738.2 m
- GDP change, 2023 to 20246.7 percent
- GDP change over five years37.0 percent
- Rank by GDP among Michigan counties64th
- Rank by GDP among US county-equivalents2037th
- GDP per resident$37,730
Output grew 6.7 percent in the latest year and 37.0 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.
Ogemaw County
Who employs people in Ogemaw County
- Covered employment, annual average6,008
- Establishments reporting611
- Average annual pay$42,697
- Average weekly wage$821
- Sector 44-45, employment1,515
- Sector 44-45, average annual pay$32,043
- Sector 72, employment676
- Sector 72, average annual pay$20,555
- Sector 31-33, employment341
- Sector 31-33, average annual pay$48,803
- Sector 48-49, employment307
- Sector 48-49, average annual pay$89,278
- Sector 23, employment289
- Sector 81, employment206
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 1,515 | 94 | $32,043 |
| Sector 72 | 676 | 60 | $20,555 |
| Sector 31-33 | 341 | 36 | $48,803 |
| Sector 48-49 | 307 | 23 | $89,278 |
| Sector 23 | 289 | 67 | $59,409 |
| Sector 81 | 206 | 61 | $31,616 |
| Sector 11 | 185 | 28 | $36,035 |
| Sector 52 | 113 | 22 | $55,538 |
The largest sector is the biggest private employer group at 1,515 jobs, 25.2 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.
Ogemaw County
What businesses operate in Ogemaw County
- Establishments, all industries567
- Employment at those establishments5,498
- Annual payroll$230.4 m
- Establishments per 1,000 residents27.1
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.
Ogemaw County
What is being built in Ogemaw County
- Housing units authorised by permit, 202456
- Declared construction value permitted$15.4 m
- Single family units authorised56
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$274,191
- Units authorised per 1,000 households6.0
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Ogemaw County
How much SBA lending happens in Ogemaw County
- 7(a) approvals recorded21
- 7(a) gross approval dollars$3.0 m
- Average 7(a) approval$143,814
- Median 7(a) approval$40,000
- 10th percentile approval$10,000
- 90th percentile approval$350,000
- Largest single approval$1,138,000
- Jobs reported supported, 7(a)302
- Jobs per approval14.4
- Distinct 7(a) lenders active5
- Distinct industries receiving approvals12
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer19.0 percent
- Loans on real estate terms4
- Loans on working capital terms, 120 months or shorter17
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countGeneral Freight Trucking, Local (4)
- Most active lenderThe Huntington National Bank (16)
- 504 approvals recorded5
- 504 gross approval dollars$2.4 m
- Average 504 approval$478,000
- Median 504 approval$331,000
- Distinct CDCs active1
- 504 jobs per approval14.0
- 504 jobs per million dollars approved29.3
- Most active CDCMichigan Certified Development Corporation (5)
- 7(a) share of SBA approvals80.8 percent
- Combined SBA approval dollars$5.4 m
The average approval of $143,814 sits well above the median of $40,000, 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 19.0 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.
Ogemaw County
Do SBA loans in Ogemaw County get paid back
- Loans with a final outcome recorded3
- Paid in full3
- Charged off0
- Status: Cancelled5
- Status: Exempt from disclosure13
- Status: Paid in full3
Too few loans have reached a final outcome to publish a charge off rate. only 3 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.
Ogemaw County
Which parts of Ogemaw County get the lending
- Places in the county with recorded lending4
- WEST BRANCH, approvals9
- Lupton, approvals6
- Rose City, approvals3
- PRESCOTT, approvals3
| Place | Approvals | Gross approval dollars |
|---|---|---|
| WEST BRANCH | 9 | $1,468,000 |
| Lupton | 6 | $1,298,800 |
| Rose City | 3 | $63,300 |
| PRESCOTT | 3 | $190,000 |
WEST BRANCH accounts for 9 approvals against 6 in Lupton. 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.
Ogemaw County
How big is Ogemaw County
- Land area563 sq mi
- Rank by land area among Michigan counties51st of 83
- Width, east to west24.1 mi
- Height, north to south24.1 mi
- Geographies sharing a boundary5
- Residents per square mile of land37
- Establishments per square mile1.01
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.
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.
- No NFIP communities are listed for this county in the FEMA Community Status Book.
- 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 Ogemaw 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 Ogemaw County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population20,885
- Households9,370
- Average household size2.23
- Median household income$54,666
- Median age51.2
Common questions
Ogemaw County questions, answered from the record.
How many people live in Ogemaw County, Michigan?
20,885, in 9,370 households, ranking 64th of 83 Michigan counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Ogemaw County growing?
The population has grown 1.04 percent since the 2020 census base. In 2024 there were 162 births against 334 deaths, with net migration of 173. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Ogemaw County?
$54,666. The median owner-occupied home is valued at $154,900, which is 2.8 times income, and median gross rent is $823 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Ogemaw County?
567 establishments, employing 5,498 people with an annual payroll of $230.4 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 Ogemaw County?
Average annual pay is $42,697, or $821 a week, across 6,008 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Ogemaw County?
21 7(a) approvals totalling $3.0 m since FY2020, across 5 lenders, with a median approval of $40,000, plus 5 504 approvals worth $2.4 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Ogemaw County?
56 housing units were authorised by permit in 2024, with a declared construction value of $15.4 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Ogemaw 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 Ogemaw County come from?
The largest single origin is Ogemaw County Non-migrants, with 7,994 households. Arriving households report an average income of $97,838 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 Ogemaw 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 Ogemaw 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.