Sanilac County, Michigan: commercial real estate data.
Sanilac County, Michigan has a population of 40,462 across 963 square miles, down 0.8 percent since the 2020 census base. County output reached $1.75 bn in 2024, 848 establishments operate here, and the SBA record carries 24 7(a) approvals worth $5.6 m.
126 sourced county values · tier FULL · 12 sections
Sanilac County
How many people live in Sanilac County
- Population40,462
- Households17,516
- Average household size2.31
- Median household income$58,863
- Median age45.5
- Median gross rent$807 per month
- Median owner-occupied home value$168,300
- Home value to household income2.9 times
- Annual rent as a share of median income16.5 percent
- Adults 25 and over with a bachelor degree or higher16.5 percent
- Adults 25 and over with a graduate degree6.2 percent
- Adults 25 and over29,043
- Population under 188,472
- Share under 1820.9 percent
- Population 65 and over9,406
- Share 65 and over23.2 percent
- Working age population, 18 to 6422,584
- Civilian labor force18,134
- Unemployment rate6.0 percent
- Labor force participation, adults 18 and over56.7 percent
- Rank by population among Michigan counties41st of 83
- Rank by population among US county-equivalents1197th
Sanilac County is the 41st 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 23.2 percent against 20.9 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.
Sanilac County
Is Sanilac County growing
- Population change since the 2020 census base-0.79 percent
- Census 2020 base population40,614
- Births, 2024379
- Deaths, 2024574
- Natural change, 2024-195
- Net domestic migration, 20248
- Net international migration, 202447
- Total net migration, 202455
- Cumulative net domestic migration, 2021 to 2024453
- Rank by growth among US county-equivalents2115th
The county has lost 0.79 percent of its population 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.
Sanilac County
Where people moving to Sanilac County come from
- Tax returns filed by households arriving916
- People arriving, from those returns1,614
- Adjusted gross income arriving$52.9 m
- Net adjusted gross income movement$0
- Average income of an arriving household$57,790
- Largest single originSanilac County Non-migrants (15,987 households)
- Largest single destination (15,987 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Sanilac County Non-migrants | 15,987 | 32,151 | $952.5 m |
| St. Clair County | 200 | 362 | $8.7 m |
| Other flows - Different State | 170 | 333 | $11.4 m |
| Macomb County | 149 | 248 | $14.0 m |
| Other flows - Same State | 97 | 149 | $4.1 m |
| Other flows - South | 79 | 148 | $4.7 m |
| Lapeer County | 78 | 136 | $2.8 m |
| Tuscola County | 64 | 128 | $2.7 m |
The largest single source of arrivals is Sanilac 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.
Sanilac County
What the Sanilac County economy runs on
- County GDP, 2024$1.75 bn
- County GDP, 2023$1.65 bn
- GDP change, 2023 to 20245.8 percent
- GDP change over five years43.3 percent
- Rank by GDP among Michigan counties43rd
- Rank by GDP among US county-equivalents1394th
- GDP per resident$43,176
Output grew 5.8 percent in the latest year and 43.3 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.
Sanilac County
Who employs people in Sanilac County
- Covered employment, annual average10,437
- Establishments reporting879
- Average annual pay$48,626
- Average weekly wage$935
- Sector 31-33, employment2,720
- Sector 31-33, average annual pay$63,221
- Sector 44-45, employment1,299
- Sector 44-45, average annual pay$35,842
- Sector 62, employment1,149
- Sector 62, average annual pay$51,079
- Sector 72, employment882
- Sector 72, average annual pay$17,327
- Sector 23, employment442
- Sector 52, employment321
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 2,720 | 63 | $63,221 |
| Sector 44-45 | 1,299 | 113 | $35,842 |
| Sector 62 | 1,149 | 71 | $51,079 |
| Sector 72 | 882 | 60 | $17,327 |
| Sector 23 | 442 | 100 | $57,582 |
| Sector 52 | 321 | 54 | $59,268 |
| Sector 54 | 300 | 52 | $44,671 |
| Sector 81 | 238 | 68 | $35,924 |
The largest sector is the biggest private employer group at 2,720 jobs, 26.1 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.
Sanilac County
What businesses operate in Sanilac County
- Establishments, all industries848
- Employment at those establishments8,997
- Annual payroll$417.5 m
- Establishments per 1,000 residents21.0
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.
Sanilac County
What is being built in Sanilac County
- Housing units authorised by permit, 202463
- Declared construction value permitted$13.5 m
- Single family units authorised63
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$213,590
- Units authorised per 1,000 households3.6
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Sanilac County
How much SBA lending happens in Sanilac County
- 7(a) approvals recorded24
- 7(a) gross approval dollars$5.6 m
- Average 7(a) approval$232,504
- Median 7(a) approval$100,000
- 10th percentile approval$25,000
- 90th percentile approval$674,700
- Largest single approval$1,325,000
- Jobs reported supported, 7(a)281
- Jobs per approval11.7
- Distinct 7(a) lenders active7
- Distinct industries receiving approvals18
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer8.3 percent
- Loans on real estate terms2
- Loans on working capital terms, 120 months or shorter20
- Franchise loans2
- Franchise share of approvals8.3 percent
- Leading industry by approval countOffices of Dentists (2)
- Most active lenderThe Huntington National Bank (15)
- 504 approvals recorded6
- 504 gross approval dollars$1.1 m
- Average 504 approval$181,500
- Median 504 approval$198,000
- Distinct CDCs active1
- 504 jobs per approval4.8
- 504 jobs per million dollars approved26.6
- Most active CDCMichigan Certified Development Corporation (6)
- 7(a) share of SBA approvals80.0 percent
- Combined SBA approval dollars$6.7 m
The average approval of $232,504 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 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.
Sanilac County
Do SBA loans in Sanilac County get paid back
- Loans with a final outcome recorded2
- Paid in full2
- Charged off0
- Status: Paid in full2
- Status: Exempt from disclosure16
- Status: Cancelled3
- Status: Committed, not yet disbursed3
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.
Sanilac County
Which parts of Sanilac County get the lending
- Places in the county with recorded lending9
- Sandusky, approvals8
- DECKERVILLE, approvals4
- CROSWELL, approvals3
- PORT SANILAC, approvals2
- Decker, approvals2
- BROWN CITY, approvals2
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Sandusky | 8 | $2,372,400 |
| DECKERVILLE | 4 | $610,000 |
| CROSWELL | 3 | $975,000 |
| PORT SANILAC | 2 | $764,700 |
| Decker | 2 | $122,000 |
| BROWN CITY | 2 | $560,000 |
| MINDEN CITY | 1 | $45,000 |
| CARSONVILLE | 1 | $81,000 |
Sandusky accounts for 8 approvals against 4 in DECKERVILLE. 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.
Sanilac County
How big is Sanilac County
- Land area963 sq mi
- Rank by land area among Michigan counties11th of 83
- Width, east to west31 mi
- Height, north to south37 mi
- Geographies sharing a boundary4
- Residents per square mile of land42
- Establishments per square mile0.88
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.
Sanilac County
What hazards affect Sanilac County
- EPA radon zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
- Communities in the NFIP Community Status Book15
- Of those, participating in the NFIP12
- NFIP participation rate80.0 percent
- Communities carrying a CRS class0
The EPA places the county in radon zone 2, a predicted average indoor radon screening level from 2 to 4 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 Sanilac 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 Sanilac County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population40,462
- Households17,516
- Average household size2.31
- Median household income$58,863
- Median age45.5
Common questions
Sanilac County questions, answered from the record.
How many people live in Sanilac County, Michigan?
40,462, in 17,516 households, ranking 41st of 83 Michigan counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Sanilac County growing?
The population has fallen 0.79 percent since the 2020 census base. In 2024 there were 379 births against 574 deaths, with net migration of 55. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Sanilac County?
$58,863. The median owner-occupied home is valued at $168,300, which is 2.9 times income, and median gross rent is $807 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Sanilac County?
848 establishments, employing 8,997 people with an annual payroll of $417.5 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 Sanilac County?
Average annual pay is $48,626, or $935 a week, across 10,437 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Sanilac County?
24 7(a) approvals totalling $5.6 m since FY2020, across 7 lenders, with a median approval of $100,000, plus 6 504 approvals worth $1.1 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Sanilac County?
63 housing units were authorised by permit in 2024, with a declared construction value of $13.5 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Sanilac County?
Zone 2, a predicted average indoor radon screening level from 2 to 4 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Sanilac County come from?
The largest single origin is Sanilac County Non-migrants, with 15,987 households. Arriving households report an average income of $57,790 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 Sanilac 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 Sanilac 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.