Chisago County, Minnesota: commercial real estate data.
Chisago County, Minnesota has a population of 57,991 across 415 square miles, up 4.4 percent since the 2020 census base. County output reached $2.24 bn in 2024, 1,358 establishments operate here, and the SBA record carries 90 7(a) approvals worth $32.7 m.
123 sourced county values · tier FULL · 11 sections
Chisago County
How many people live in Chisago County
- Population57,991
- Households21,364
- Average household size2.71
- Median household income$99,400
- Median age40.8
- Median gross rent$1,186 per month
- Median owner-occupied home value$351,900
- Home value to household income3.5 times
- Annual rent as a share of median income14.3 percent
- Adults 25 and over with a bachelor degree or higher24.4 percent
- Adults 25 and over with a graduate degree7.3 percent
- Adults 25 and over40,943
- Population under 1812,958
- Share under 1822.3 percent
- Population 65 and over9,910
- Share 65 and over17.1 percent
- Working age population, 18 to 6435,123
- Civilian labor force30,893
- Unemployment rate4.1 percent
- Labor force participation, adults 18 and over68.6 percent
- Rank by population among Minnesota counties18th of 87
- Rank by population among US county-equivalents919th
Chisago County is the 18th largest of 87 Minnesota counties by population. A median home costs 3.5 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 22.3 percent against 17.1 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Chisago County
Is Chisago County growing
- Population change since the 2020 census base4.39 percent
- Census 2020 base population56,618
- Births, 2024568
- Deaths, 2024443
- Natural change, 2024125
- Net domestic migration, 2024272
- Net international migration, 202454
- Total net migration, 2024326
- Cumulative net domestic migration, 2021 to 20241,940
- Rank by growth among US county-equivalents628th
The county has grown 4.39 percent since the 2020 census base. Migration contributed more to 2024 change than births over deaths, so demand here follows people arriving rather than families forming.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Chisago County
Where people moving to Chisago County come from
- Tax returns filed by households arriving1,924
- People arriving, from those returns3,409
- Adjusted gross income arriving$143.9 m
- Net adjusted gross income movement$0
- Average income of an arriving household$74,784
- Largest single originChisago County Non-migrants (22,535 households)
- Largest single destination (22,535 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Chisago County Non-migrants | 22,535 | 46,914 | $2.07 bn |
| Washington County | 365 | 652 | $32.6 m |
| Anoka County | 290 | 515 | $24.4 m |
| Ramsey County | 282 | 509 | $17.9 m |
| Other flows - Different State | 278 | 478 | $17.8 m |
| Other flows - Same State | 163 | 271 | $9.9 m |
| Hennepin County | 159 | 297 | $12.2 m |
| Isanti County | 137 | 259 | $11.0 m |
The largest single source of arrivals is Chisago 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.
Chisago County
What the Chisago County economy runs on
- County GDP, 2024$2.24 bn
- County GDP, 2023$2.13 bn
- GDP change, 2023 to 20245.2 percent
- GDP change over five years33.9 percent
- Rank by GDP among Minnesota counties29th
- Rank by GDP among US county-equivalents1187th
- GDP per resident$38,657
Output grew 5.2 percent in the latest year and 33.9 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.
Chisago County
Who employs people in Chisago County
- Covered employment, annual average16,091
- Establishments reporting1,401
- Average annual pay$57,806
- Average weekly wage$1,112
- Sector 62, employment3,792
- Sector 62, average annual pay$59,055
- Sector 31-33, employment2,408
- Sector 31-33, average annual pay$64,853
- Sector 44-45, employment1,732
- Sector 44-45, average annual pay$39,611
- Sector 72, employment1,396
- Sector 72, average annual pay$22,761
- Sector 23, employment1,185
- Sector 54, employment700
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 3,792 | 239 | $59,055 |
| Sector 31-33 | 2,408 | 92 | $64,853 |
| Sector 44-45 | 1,732 | 149 | $39,611 |
| Sector 72 | 1,396 | 96 | $22,761 |
| Sector 23 | 1,185 | 214 | $83,123 |
| Sector 54 | 700 | 85 | $124,758 |
| Sector 81 | 499 | 152 | $37,613 |
| Sector 42 | 437 | 41 | $58,478 |
The largest sector is the biggest private employer group at 3,792 jobs, 23.6 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.
Chisago County
What businesses operate in Chisago County
- Establishments, all industries1,358
- Employment at those establishments15,081
- Annual payroll$794.0 m
- Establishments per 1,000 residents23.4
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.
Chisago County
What is being built in Chisago County
- Housing units authorised by permit, 2024362
- Declared construction value permitted$82.7 m
- Single family units authorised233
- Multifamily units authorised129
- Multifamily share of units35.6 percent
- Average declared value per unit$228,438
- Units authorised per 1,000 households16.9
Multifamily is 35.6 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Chisago County
How much SBA lending happens in Chisago County
- 7(a) approvals recorded90
- 7(a) gross approval dollars$32.7 m
- Average 7(a) approval$363,670
- Median 7(a) approval$175,700
- 10th percentile approval$21,900
- 90th percentile approval$1,034,500
- Largest single approval$2,435,000
- Jobs reported supported, 7(a)1,202
- Jobs per approval13.4
- Distinct 7(a) lenders active30
- Distinct industries receiving approvals56
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer14.4 percent
- Loans on real estate terms13
- Loans on working capital terms, 120 months or shorter75
- Franchise loans4
- Franchise share of approvals4.4 percent
- Leading industry by approval countAll Other Specialty Trade Contractors (6)
- Most active lenderU.S. Bank, National Association (19)
- 504 approvals recorded46
- 504 gross approval dollars$29.4 m
- Average 504 approval$638,913
- Median 504 approval$338,000
- Distinct CDCs active5
- 504 jobs per approval8.3
- 504 jobs per million dollars approved13.1
- Most active CDCMidwest Business Finance Corporation (18)
- 7(a) share of SBA approvals66.2 percent
- Combined SBA approval dollars$62.1 m
The average approval of $363,670 sits well above the median of $175,700, 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 14.4 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.
Chisago County
Do SBA loans in Chisago County get paid back
- Loans with a final outcome recorded30
- Paid in full27
- Charged off3
- Charge off rate on resolved loans10.0 percent
- Status: Exempt from disclosure50
- Status: Cancelled7
- Status: Paid in full27
- Status: Charged off3
- Status: Committed, not yet disbursed3
Of the 30 loans that have reached a final outcome, 10.0 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.
Chisago County
Which parts of Chisago County get the lending
- Places in the county with recorded lending11
- Chisago City, approvals22
- NORTH BRANCH, approvals19
- Wyoming, approvals16
- LINDSTROM, approvals9
- RUSH CITY, approvals7
- HARRIS, approvals4
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Chisago City | 22 | $9,457,300 |
| NORTH BRANCH | 19 | $7,672,200 |
| Wyoming | 16 | $5,416,600 |
| LINDSTROM | 9 | $1,778,200 |
| RUSH CITY | 7 | $2,598,400 |
| HARRIS | 4 | $1,105,700 |
| FOREST LAKE | 3 | $1,494,000 |
| Stacy | 3 | $375,500 |
Chisago City accounts for 22 approvals against 19 in NORTH BRANCH. 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.
Chisago County
How big is Chisago County
- Land area415 sq mi
- Rank by land area among Minnesota counties82nd of 87
- Width, east to west23.2 mi
- Height, north to south30 mi
- Geographies sharing a boundary4
- Residents per square mile of land140
- Establishments per square mile3.27
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 Chisago 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 Chisago County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population57,991
- Households21,364
- Average household size2.71
- Median household income$99,400
- Median age40.8
Common questions
Chisago County questions, answered from the record.
How many people live in Chisago County, Minnesota?
57,991, in 21,364 households, ranking 18th of 87 Minnesota counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Chisago County growing?
The population has grown 4.39 percent since the 2020 census base. In 2024 there were 568 births against 443 deaths, with net migration of 326. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Chisago County?
$99,400. The median owner-occupied home is valued at $351,900, which is 3.5 times income, and median gross rent is $1,186 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Chisago County?
1,358 establishments, employing 15,081 people with an annual payroll of $794.0 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 Chisago County?
Average annual pay is $57,806, or $1,112 a week, across 16,091 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Chisago County?
90 7(a) approvals totalling $32.7 m since FY2020, across 30 lenders, with a median approval of $175,700, plus 46 504 approvals worth $29.4 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Chisago County get paid back?
Of the 30 loans that have reached a final outcome, 27 were paid in full and 3 charged off, a charge off rate of 10.0 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Chisago County?
362 housing units were authorised by permit in 2024, with a declared construction value of $82.7 m. Multifamily was 35.6 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Chisago 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 Chisago County come from?
The largest single origin is Chisago County Non-migrants, with 22,535 households. Arriving households report an average income of $74,784 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 Chisago 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 Chisago 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.