Oscoda County, Michigan: commercial real estate data.
Oscoda County, Michigan has a population of 8,425 across 566 square miles, up 4.6 percent since the 2020 census base. County output reached $282.8 m in 2024, 176 establishments operate here, and the SBA record carries 12 7(a) approvals worth $2.2 m.
120 sourced county values · tier FULL · 11 sections
Oscoda County
How many people live in Oscoda County
- Population8,425
- Households3,788
- Average household size2.22
- Median household income$49,515
- Median age52.5
- Median gross rent$681 per month
- Median owner-occupied home value$125,500
- Home value to household income2.5 times
- Annual rent as a share of median income16.5 percent
- Adults 25 and over with a bachelor degree or higher15.6 percent
- Adults 25 and over with a graduate degree4.4 percent
- Adults 25 and over6,331
- Population under 181,654
- Share under 1819.6 percent
- Population 65 and over2,474
- Share 65 and over29.4 percent
- Working age population, 18 to 644,297
- Civilian labor force3,094
- Unemployment rate8.0 percent
- Labor force participation, adults 18 and over45.7 percent
- Rank by population among Michigan counties78th of 83
- Rank by population among US county-equivalents2615th
Oscoda County is the 78th 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 65 and over outnumber those under 18, at 29.4 percent against 19.6 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.
Oscoda County
Is Oscoda County growing
- Population change since the 2020 census base4.57 percent
- Census 2020 base population8,220
- Births, 202467
- Deaths, 2024150
- Natural change, 2024-83
- Net domestic migration, 2024104
- Net international migration, 20242
- Total net migration, 2024106
- Cumulative net domestic migration, 2021 to 2024672
- Rank by growth among US county-equivalents601st
The county has grown 4.57 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.
Oscoda County
Where people moving to Oscoda County come from
- Tax returns filed by households arriving292
- People arriving, from those returns517
- Adjusted gross income arriving$17.6 m
- Net adjusted gross income movement$0
- Average income of an arriving household$60,130
- Largest single originOscoda County Non-migrants (3,023 households)
- Largest single destination (3,023 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Oscoda County Non-migrants | 3,023 | 6,117 | $165.2 m |
| Other flows - Same State | 142 | 253 | $8.3 m |
| Other flows - Different State | 42 | 78 | $2.0 m |
| Oakland County | 35 | 61 | $2.5 m |
| Wayne County | 27 | 51 | $1.6 m |
| Genesee County | 25 | 41 | $1.4 m |
| Other flows - South | 22 | 41 | $1.0 m |
| Macomb County | 21 | 33 | $1.9 m |
The largest single source of arrivals is Oscoda 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.
Oscoda County
What the Oscoda County economy runs on
- County GDP, 2024$282.8 m
- County GDP, 2023$271.6 m
- GDP change, 2023 to 20244.1 percent
- GDP change over five years41.5 percent
- Rank by GDP among Michigan counties79th
- Rank by GDP among US county-equivalents2736th
- GDP per resident$33,570
Output grew 4.1 percent in the latest year and 41.5 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.
Oscoda County
Who employs people in Oscoda County
- Covered employment, annual average1,364
- Establishments reporting198
- Average annual pay$40,287
- Average weekly wage$775
- Sector 44-45, employment226
- Sector 44-45, average annual pay$29,839
- Sector 31-33, employment148
- Sector 31-33, average annual pay$60,845
- Sector 23, employment75
- Sector 23, average annual pay$51,245
- Sector 81, employment73
- Sector 81, average annual pay$31,965
- Sector 56, employment69
- Sector 62, employment54
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 226 | 34 | $29,839 |
| Sector 31-33 | 148 | 17 | $60,845 |
| Sector 23 | 75 | 24 | $51,245 |
| Sector 81 | 73 | 21 | $31,965 |
| Sector 56 | 69 | 8 | $36,039 |
| Sector 62 | 54 | 18 | $22,906 |
| Sector 54 | 17 | 8 | $58,387 |
| Sector 11 | 11 | 5 | $52,647 |
The largest sector is the biggest private employer group at 226 jobs, 16.6 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.
Oscoda County
What businesses operate in Oscoda County
- Establishments, all industries176
- Employment at those establishments1,335
- Annual payroll$59.0 m
- Establishments per 1,000 residents20.9
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.
Oscoda County
What is being built in Oscoda County
- Housing units authorised by permit, 202429
- Declared construction value permitted$9.3 m
- Single family units authorised29
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$320,650
- Units authorised per 1,000 households7.7
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Oscoda County
How much SBA lending happens in Oscoda County
- 7(a) approvals recorded12
- 7(a) gross approval dollars$2.2 m
- Average 7(a) approval$179,225
- Median 7(a) approval$133,200
- 10th percentile approval$50,000
- 90th percentile approval$260,000
- Largest single approval$700,000
- Jobs reported supported, 7(a)61
- Jobs per approval5.1
- Distinct 7(a) lenders active2
- Distinct industries receiving approvals9
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer8.3 percent
- Loans on real estate terms1
- Loans on working capital terms, 120 months or shorter10
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countGeneral Freight Trucking, Local (3)
- Most active lenderThe Huntington National Bank (11)
- 504 approvals recorded1
- 504 gross approval dollars$433,000
- Average 504 approval$433,000
- Median 504 approval$433,000
- Distinct CDCs active1
- 504 jobs per approval0.0
- 504 jobs per million dollars approved0.0
- Most active CDCMichigan Certified Development Corporation (1)
- 7(a) share of SBA approvals92.3 percent
- Combined SBA approval dollars$2.6 m
The average approval of $179,225 sits close to the median of $133,200, so lending here is fairly evenly sized rather than driven by a few large deals. Only 8.3 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.
Oscoda County
Do SBA loans in Oscoda County get paid back
- Loans with a final outcome recorded2
- Paid in full2
- Charged off0
- Status: Exempt from disclosure9
- Status: Paid in full2
- Status: Committed, not yet disbursed1
Too few loans have reached a final outcome to publish a charge off rate. only 2 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.
Oscoda County
Which parts of Oscoda County get the lending
- Places in the county with recorded lending6
- MIO, approvals6
- COMINS, approvals2
- ROSE CITY, approvals1
- Milo, approvals1
- Fairview, approvals1
- Luzerne, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| MIO | 6 | $676,000 |
| COMINS | 2 | $310,000 |
| ROSE CITY | 1 | $256,500 |
| Milo | 1 | $75,000 |
| Fairview | 1 | $133,200 |
| Luzerne | 1 | $700,000 |
MIO accounts for 6 approvals against 2 in COMINS. 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.
Oscoda County
How big is Oscoda County
- Land area566 sq mi
- Rank by land area among Michigan counties46th of 83
- Width, east to west23.8 mi
- Height, north to south24.1 mi
- Geographies sharing a boundary4
- Residents per square mile of land15
- Establishments per square mile0.31
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 Oscoda 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 Oscoda County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population8,425
- Households3,788
- Average household size2.22
- Median household income$49,515
- Median age52.5
Common questions
Oscoda County questions, answered from the record.
How many people live in Oscoda County, Michigan?
8,425, in 3,788 households, ranking 78th of 83 Michigan counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Oscoda County growing?
The population has grown 4.57 percent since the 2020 census base. In 2024 there were 67 births against 150 deaths, with net migration of 106. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Oscoda County?
$49,515. The median owner-occupied home is valued at $125,500, which is 2.5 times income, and median gross rent is $681 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Oscoda County?
176 establishments, employing 1,335 people with an annual payroll of $59.0 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 Oscoda County?
Average annual pay is $40,287, or $775 a week, across 1,364 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Oscoda County?
12 7(a) approvals totalling $2.2 m since FY2020, across 2 lenders, with a median approval of $133,200, plus 1 504 approvals worth $433,000. These are approvals recorded in the release, not loans disbursed.
What is being built in Oscoda County?
29 housing units were authorised by permit in 2024, with a declared construction value of $9.3 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Oscoda 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 Oscoda County come from?
The largest single origin is Oscoda County Non-migrants, with 3,023 households. Arriving households report an average income of $60,130 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 Oscoda 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 Oscoda 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.