HomeMinnesotaKoochiching County
Koochiching County, Minnesota: commercial real estate data.
Koochiching County, Minnesota has a population of 11,833 across 3,104 square miles, down 3.9 percent since the 2020 census base. County output reached $642.7 m in 2024, 367 establishments operate here, and the SBA record carries 14 7(a) approvals worth $4.3 m.
118 sourced county values · tier FULL · 11 sections
Koochiching County
How many people live in Koochiching County
- Population11,833
- Households5,872
- Average household size2.02
- Median household income$66,940
- Median age51.6
- Median gross rent$671 per month
- Median owner-occupied home value$156,600
- Home value to household income2.3 times
- Annual rent as a share of median income12.0 percent
- Adults 25 and over with a bachelor degree or higher22.0 percent
- Adults 25 and over with a graduate degree5.6 percent
- Adults 25 and over9,011
- Population under 182,068
- Share under 1817.5 percent
- Population 65 and over3,380
- Share 65 and over28.6 percent
- Working age population, 18 to 646,385
- Civilian labor force5,707
- Unemployment rate4.8 percent
- Labor force participation, adults 18 and over58.4 percent
- Rank by population among Minnesota counties62nd of 87
- Rank by population among US county-equivalents2363rd
Koochiching County is the 62nd largest of 87 Minnesota counties by population. A median home costs 2.3 times median household income, which is an affordable ownership market by national standards. Residents 65 and over outnumber those under 18, at 28.6 percent against 17.5 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.
Koochiching County
Is Koochiching County growing
- Population change since the 2020 census base-3.90 percent
- Census 2020 base population12,065
- Births, 202498
- Deaths, 2024186
- Natural change, 2024-88
- Net domestic migration, 2024-70
- Net international migration, 20243
- Total net migration, 2024-67
- Cumulative net domestic migration, 2021 to 2024-88
- Rank by growth among US county-equivalents2888th
The county has lost 3.90 percent of its population since the 2020 census base.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Koochiching County
Where people moving to Koochiching County come from
- Tax returns filed by households arriving232
- People arriving, from those returns402
- Adjusted gross income arriving$13.7 m
- Net adjusted gross income movement$0
- Average income of an arriving household$58,961
- Largest single originKoochiching County Non-migrants (4,657 households)
- Largest single destination (4,657 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Koochiching County Non-migrants | 4,657 | 8,883 | $317.5 m |
| Other flows - Same State | 118 | 206 | $5.5 m |
| Other flows - Different State | 84 | 145 | $5.9 m |
| Other flows - Midwest | 34 | 56 | $2.4 m |
| St. Louis County | 30 | 51 | $2.2 m |
| Other flows - West | 27 | 49 | $2.0 m |
| Other flows - South | 23 | 40 | $1.5 m |
The largest single source of arrivals is Koochiching 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.
Koochiching County
What the Koochiching County economy runs on
- County GDP, 2024$642.7 m
- County GDP, 2023$625.8 m
- GDP change, 2023 to 20242.7 percent
- GDP change over five years26.7 percent
- Rank by GDP among Minnesota counties70th
- Rank by GDP among US county-equivalents2222nd
- GDP per resident$54,317
Output grew 2.7 percent in the latest year and 26.7 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.
Koochiching County
Who employs people in Koochiching County
- Covered employment, annual average4,246
- Establishments reporting428
- Average annual pay$56,827
- Average weekly wage$1,093
- Sector 72, employment582
- Sector 72, average annual pay$21,468
- Sector 44-45, employment577
- Sector 44-45, average annual pay$30,559
- Sector 23, employment163
- Sector 23, average annual pay$76,848
- Sector 48-49, employment112
- Sector 48-49, average annual pay$60,990
- Sector 56, employment101
- Sector 81, employment93
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 72 | 582 | 50 | $21,468 |
| Sector 44-45 | 577 | 73 | $30,559 |
| Sector 23 | 163 | 39 | $76,848 |
| Sector 48-49 | 112 | 16 | $60,990 |
| Sector 56 | 101 | 15 | $25,138 |
| Sector 81 | 93 | 35 | $16,958 |
| Sector 42 | 64 | 11 | $53,544 |
| Sector 71 | 42 | 12 | $23,429 |
The largest sector is the biggest private employer group at 582 jobs, 13.7 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.
Koochiching County
What businesses operate in Koochiching County
- Establishments, all industries367
- Employment at those establishments3,520
- Annual payroll$159.3 m
- Establishments per 1,000 residents31.0
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.
Koochiching County
What is being built in Koochiching County
- Housing units authorised by permit, 202427
- Declared construction value permitted$4.4 m
- Single family units authorised27
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$161,209
- Units authorised per 1,000 households4.6
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Koochiching County
How much SBA lending happens in Koochiching County
- 7(a) approvals recorded14
- 7(a) gross approval dollars$4.3 m
- Average 7(a) approval$305,107
- Median 7(a) approval$53,800
- 10th percentile approval$16,000
- 90th percentile approval$1,729,600
- Largest single approval$1,745,000
- Jobs reported supported, 7(a)53
- Jobs per approval3.8
- Distinct 7(a) lenders active5
- Distinct industries receiving approvals8
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer28.6 percent
- Loans on real estate terms4
- Loans on working capital terms, 120 months or shorter9
- Franchise loans4
- Franchise share of approvals28.6 percent
- Leading industry by approval countOther Personal Care Services (4)
- Most active lenderNortheast Entrepreneur Fund, Inc. (5)
- 504 approvals recorded10
- 504 gross approval dollars$7.7 m
- Average 504 approval$770,800
- Median 504 approval$670,000
- Distinct CDCs active2
- 504 jobs per approval8.2
- 504 jobs per million dollars approved10.6
- Most active CDCMidwest Business Finance Corporation (9)
- 7(a) share of SBA approvals58.3 percent
- Combined SBA approval dollars$12.0 m
The average approval of $305,107 sits well above the median of $53,800, 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 28.6 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.
Koochiching County
Do SBA loans in Koochiching County get paid back
- Loans with a final outcome recorded10
- Paid in full10
- Charged off0
- Charge off rate on resolved loans0.0 percent
- Status: Paid in full10
- Status: Exempt from disclosure3
- Status: Cancelled1
Of the 10 loans that have reached a final outcome, 0.0 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.
Koochiching County
Which parts of Koochiching County get the lending
- Places in the county with recorded lending3
- International Falls, approvals9
- LITTLEFORK, approvals3
- MIZPAH, approvals2
| Place | Approvals | Gross approval dollars |
|---|---|---|
| International Falls | 9 | $4,011,000 |
| LITTLEFORK | 3 | $68,000 |
| MIZPAH | 2 | $192,500 |
International Falls accounts for 9 approvals against 3 in LITTLEFORK. 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.
Koochiching County
How big is Koochiching County
- Land area3,104 sq mi
- Rank by land area among Minnesota counties2nd of 87
- Width, east to west61.9 mi
- Height, north to south59.8 mi
- Geographies sharing a boundary4
- Residents per square mile of land4
- Establishments per square mile0.12
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 Koochiching 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 Koochiching County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population11,833
- Households5,872
- Average household size2.02
- Median household income$66,940
- Median age51.6
Common questions
Koochiching County questions, answered from the record.
How many people live in Koochiching County, Minnesota?
11,833, in 5,872 households, ranking 62nd of 87 Minnesota counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Koochiching County growing?
The population has fallen 3.90 percent since the 2020 census base. In 2024 there were 98 births against 186 deaths, with net migration of -67. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Koochiching County?
$66,940. The median owner-occupied home is valued at $156,600, which is 2.3 times income, and median gross rent is $671 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Koochiching County?
367 establishments, employing 3,520 people with an annual payroll of $159.3 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 Koochiching County?
Average annual pay is $56,827, or $1,093 a week, across 4,246 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Koochiching County?
14 7(a) approvals totalling $4.3 m since FY2020, across 5 lenders, with a median approval of $53,800, plus 10 504 approvals worth $7.7 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Koochiching County get paid back?
Of the 10 loans that have reached a final outcome, 10 were paid in full and 0 charged off, a charge off rate of 0.0 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Koochiching County?
27 housing units were authorised by permit in 2024, with a declared construction value of $4.4 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Koochiching 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 Koochiching County come from?
The largest single origin is Koochiching County Non-migrants, with 4,657 households. Arriving households report an average income of $58,961 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 Koochiching 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 Koochiching 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.