Roscommon County, Michigan: commercial real estate data.
Roscommon County, Michigan has a population of 23,737 across 520 square miles, up 2.1 percent since the 2020 census base. County output reached $853.7 m in 2024, 551 establishments operate here, and the SBA record carries 43 7(a) approvals worth $15.3 m.
124 sourced county values · tier FULL · 12 sections
Roscommon County
How many people live in Roscommon County
- Population23,737
- Households11,579
- Average household size2.05
- Median household income$55,246
- Median age57.7
- Median gross rent$816 per month
- Median owner-occupied home value$158,700
- Home value to household income2.9 times
- Annual rent as a share of median income17.7 percent
- Adults 25 and over with a bachelor degree or higher20.2 percent
- Adults 25 and over with a graduate degree8.2 percent
- Adults 25 and over19,141
- Population under 183,396
- Share under 1814.3 percent
- Population 65 and over8,192
- Share 65 and over34.5 percent
- Working age population, 18 to 6412,149
- Civilian labor force8,779
- Unemployment rate4.7 percent
- Labor force participation, adults 18 and over43.2 percent
- Rank by population among Michigan counties60th of 83
- Rank by population among US county-equivalents1701st
Roscommon County is the 60th largest of 83 Michigan counties by population. A median home costs 2.9 times median household income, which is an affordable ownership market by national standards. Residents 65 and over outnumber those under 18, at 34.5 percent against 14.3 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.
Roscommon County
Is Roscommon County growing
- Population change since the 2020 census base2.07 percent
- Census 2020 base population23,446
- Births, 2024169
- Deaths, 2024444
- Natural change, 2024-275
- Net domestic migration, 2024283
- Net international migration, 20244
- Total net migration, 2024287
- Cumulative net domestic migration, 2021 to 20241,621
- Rank by growth among US county-equivalents1155th
The county has grown 2.07 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.
Roscommon County
Where people moving to Roscommon County come from
- Tax returns filed by households arriving963
- People arriving, from those returns1,651
- Adjusted gross income arriving$68.5 m
- Net adjusted gross income movement$0
- Average income of an arriving household$71,167
- Largest single originRoscommon County Non-migrants (9,485 households)
- Largest single destination (9,485 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Roscommon County Non-migrants | 9,485 | 17,080 | $686.9 m |
| Other flows - Same State | 374 | 635 | $25.8 m |
| Other flows - Different State | 191 | 333 | $13.1 m |
| Other flows - South | 100 | 180 | $5.5 m |
| Oakland County | 86 | 150 | $8.8 m |
| Wayne County | 72 | 119 | $4.7 m |
| Macomb County | 61 | 100 | $5.3 m |
| Crawford County | 52 | 99 | $2.3 m |
The largest single source of arrivals is Roscommon 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.
Roscommon County
What the Roscommon County economy runs on
- County GDP, 2024$853.7 m
- County GDP, 2023$825.9 m
- GDP change, 2023 to 20243.4 percent
- GDP change over five years33.0 percent
- Rank by GDP among Michigan counties61st
- Rank by GDP among US county-equivalents1978th
- GDP per resident$35,966
Output grew 3.4 percent in the latest year and 33.0 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.
Roscommon County
Who employs people in Roscommon County
- Covered employment, annual average6,429
- Establishments reporting583
- Average annual pay$39,799
- Average weekly wage$765
- Sector 72, employment1,916
- Sector 72, average annual pay$23,204
- Sector 44-45, employment1,171
- Sector 44-45, average annual pay$36,117
- Sector 31-33, employment355
- Sector 31-33, average annual pay$68,052
- Sector 23, employment285
- Sector 23, average annual pay$62,047
- Sector 81, employment215
- Sector 71, employment168
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 72 | 1,916 | 66 | $23,204 |
| Sector 44-45 | 1,171 | 102 | $36,117 |
| Sector 31-33 | 355 | 12 | $68,052 |
| Sector 23 | 285 | 74 | $62,047 |
| Sector 81 | 215 | 59 | $41,313 |
| Sector 71 | 168 | 18 | $25,075 |
| Sector 52 | 104 | 27 | $59,689 |
| Sector 56 | 68 | 22 | $35,388 |
The largest sector is the biggest private employer group at 1,916 jobs, 29.8 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.
Roscommon County
What businesses operate in Roscommon County
- Establishments, all industries551
- Employment at those establishments4,204
- Annual payroll$171.7 m
- Establishments per 1,000 residents23.2
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.
Roscommon County
What is being built in Roscommon County
- Housing units authorised by permit, 202456
- Declared construction value permitted$11.6 m
- Single family units authorised54
- Multifamily units authorised2
- Multifamily share of units3.6 percent
- Average declared value per unit$206,987
- Units authorised per 1,000 households4.8
Multifamily is 3.6 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Roscommon County
How much SBA lending happens in Roscommon County
- 7(a) approvals recorded43
- 7(a) gross approval dollars$15.3 m
- Average 7(a) approval$356,919
- Median 7(a) approval$115,000
- 10th percentile approval$25,000
- 90th percentile approval$1,314,500
- Largest single approval$1,871,000
- Jobs reported supported, 7(a)250
- Jobs per approval5.8
- Distinct 7(a) lenders active12
- Distinct industries receiving approvals25
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer25.6 percent
- Loans on real estate terms11
- Loans on working capital terms, 120 months or shorter29
- Franchise loans2
- Franchise share of approvals4.7 percent
- Leading industry by approval countFull-Service Restaurants (4)
- Most active lenderThe Huntington National Bank (29)
- 504 approvals recorded3
- 504 gross approval dollars$1.0 m
- Average 504 approval$348,667
- Median 504 approval$400,000
- Distinct CDCs active2
- 504 jobs per approval6.0
- 504 jobs per million dollars approved17.2
- Most active CDCMichigan Certified Development Corporation (2)
- 7(a) share of SBA approvals93.5 percent
- Combined SBA approval dollars$16.4 m
The average approval of $356,919 sits well above the median of $115,000, 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 25.6 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.
Roscommon County
Do SBA loans in Roscommon County get paid back
- Loans with a final outcome recorded6
- Paid in full6
- Charged off0
- Status: Exempt from disclosure31
- Status: Cancelled3
- Status: Paid in full6
- Status: Committed, not yet disbursed3
Too few loans have reached a final outcome to publish a charge off rate. only 6 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.
Roscommon County
Which parts of Roscommon County get the lending
- Places in the county with recorded lending4
- ROSCOMMON, approvals20
- HOUGHTON LAKE, approvals11
- Prudenville, approvals8
- Saint Helen, approvals4
| Place | Approvals | Gross approval dollars |
|---|---|---|
| ROSCOMMON | 20 | $5,563,100 |
| HOUGHTON LAKE | 11 | $7,962,100 |
| Prudenville | 8 | $1,266,200 |
| Saint Helen | 4 | $556,100 |
ROSCOMMON accounts for 20 approvals against 11 in HOUGHTON LAKE. 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.
Roscommon County
How big is Roscommon County
- Land area520 sq mi
- Rank by land area among Michigan counties65th of 83
- Width, east to west24.2 mi
- Height, north to south24.2 mi
- Geographies sharing a boundary5
- Residents per square mile of land46
- Establishments per square mile1.06
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.
Roscommon County
What hazards affect Roscommon County
- EPA radon zone predicted average indoor radon screening level less than 2 pCi/LZone 3
- Communities in the NFIP Community Status Book10
- Of those, participating in the NFIP4
- NFIP participation rate40.0 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 Roscommon 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 Roscommon County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population23,737
- Households11,579
- Average household size2.05
- Median household income$55,246
- Median age57.7
Common questions
Roscommon County questions, answered from the record.
How many people live in Roscommon County, Michigan?
23,737, in 11,579 households, ranking 60th of 83 Michigan counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Roscommon County growing?
The population has grown 2.07 percent since the 2020 census base. In 2024 there were 169 births against 444 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 Roscommon County?
$55,246. The median owner-occupied home is valued at $158,700, which is 2.9 times income, and median gross rent is $816 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Roscommon County?
551 establishments, employing 4,204 people with an annual payroll of $171.7 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 Roscommon County?
Average annual pay is $39,799, or $765 a week, across 6,429 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Roscommon County?
43 7(a) approvals totalling $15.3 m since FY2020, across 12 lenders, with a median approval of $115,000, plus 3 504 approvals worth $1.0 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Roscommon County?
56 housing units were authorised by permit in 2024, with a declared construction value of $11.6 m. Multifamily was 3.6 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Roscommon 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 Roscommon County come from?
The largest single origin is Roscommon County Non-migrants, with 9,485 households. Arriving households report an average income of $71,167 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 Roscommon 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 Roscommon 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.