Roseau County, Minnesota: commercial real estate data.
Roseau County, Minnesota has a population of 15,302 across 1,672 square miles, down 0.5 percent since the 2020 census base. County output reached $1.70 bn in 2024, 429 establishments operate here, and the SBA record carries 7 7(a) approvals worth $11.1 m.
116 sourced county values · tier FULL · 11 sections
Roseau County
How many people live in Roseau County
- Population15,302
- Households6,296
- Average household size2.43
- Median household income$74,474
- Median age41.9
- Median gross rent$880 per month
- Median owner-occupied home value$183,700
- Home value to household income2.5 times
- Annual rent as a share of median income14.2 percent
- Adults 25 and over with a bachelor degree or higher21.4 percent
- Adults 25 and over with a graduate degree4.5 percent
- Adults 25 and over10,570
- Population under 183,643
- Share under 1823.8 percent
- Population 65 and over2,930
- Share 65 and over19.1 percent
- Working age population, 18 to 648,729
- Civilian labor force8,019
- Unemployment rate3.7 percent
- Labor force participation, adults 18 and over68.8 percent
- Rank by population among Minnesota counties55th of 87
- Rank by population among US county-equivalents2144th
Roseau County is the 55th largest of 87 Minnesota counties by population. A median home costs 2.5 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 23.8 percent against 19.1 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Roseau County
Is Roseau County growing
- Population change since the 2020 census base-0.46 percent
- Census 2020 base population15,336
- Births, 2024177
- Deaths, 2024159
- Natural change, 202418
- Net domestic migration, 2024-68
- Net international migration, 202421
- Total net migration, 2024-47
- Cumulative net domestic migration, 2021 to 2024-124
- Rank by growth among US county-equivalents2004th
The county has lost 0.46 percent of its population since the 2020 census base. Births exceeded deaths in 2024 but more people left than arrived, so the population is being sustained internally rather than attracting.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Roseau County
Where people moving to Roseau County come from
- Tax returns filed by households arriving303
- People arriving, from those returns543
- Adjusted gross income arriving$17.6 m
- Net adjusted gross income movement$0
- Average income of an arriving household$58,218
- Largest single originRoseau County Non-migrants (6,170 households)
- Largest single destination (6,170 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Roseau County Non-migrants | 6,170 | 12,964 | $473.8 m |
| Other flows - Different State | 142 | 263 | $8.4 m |
| Other flows - Same State | 140 | 240 | $8.5 m |
| Other flows - Midwest | 73 | 132 | $4.5 m |
| Other flows - South | 40 | 75 | $2.3 m |
| Other flows - West | 29 | 56 | $1.6 m |
| Lake of the Woods County | 21 | 40 | $690,000 |
The largest single source of arrivals is Roseau 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.
Roseau County
What the Roseau County economy runs on
- County GDP, 2024$1.70 bn
- County GDP, 2023$1.75 bn
- GDP change, 2023 to 2024-2.8 percent
- GDP change over five years43.2 percent
- Rank by GDP among Minnesota counties37th
- Rank by GDP among US county-equivalents1416th
- GDP per resident$111,040
Output grew -2.8 percent in the latest year and 43.2 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.
Roseau County
Who employs people in Roseau County
- Covered employment, annual average7,971
- Establishments reporting474
- Average annual pay$62,932
- Average weekly wage$1,210
- Sector 31-33, employment4,067
- Sector 31-33, average annual pay$75,365
- Sector 62, employment775
- Sector 62, average annual pay$62,243
- Sector 44-45, employment626
- Sector 44-45, average annual pay$30,903
- Sector 72, employment387
- Sector 72, average annual pay$18,806
- Sector 81, employment182
- Sector 52, employment164
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 4,067 | 26 | $75,365 |
| Sector 62 | 775 | 37 | $62,243 |
| Sector 44-45 | 626 | 70 | $30,903 |
| Sector 72 | 387 | 45 | $18,806 |
| Sector 81 | 182 | 36 | $37,592 |
| Sector 52 | 164 | 25 | $75,683 |
| Sector 48-49 | 144 | 18 | $69,109 |
| Sector 11 | 111 | 33 | $55,873 |
The largest sector is the biggest private employer group at 4,067 jobs, 51.0 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.
Roseau County
What businesses operate in Roseau County
- Establishments, all industries429
- Employment at those establishments7,162
- Annual payroll$395.5 m
- Establishments per 1,000 residents28.0
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.
Roseau County
What is being built in Roseau County
- Housing units authorised by permit, 202422
- Declared construction value permitted$3.6 m
- Single family units authorised20
- Multifamily units authorised2
- Multifamily share of units9.1 percent
- Average declared value per unit$162,919
- Units authorised per 1,000 households3.5
Multifamily is 9.1 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Roseau County
How much SBA lending happens in Roseau County
- 7(a) approvals recorded7
- 7(a) gross approval dollars$11.1 m
- Average 7(a) approval$1,581,929
- Median 7(a) approval$2,102,500
- 10th percentile approval$200,000
- 90th percentile approval$2,880,000
- Largest single approval$2,880,000
- Jobs reported supported, 7(a)94
- Jobs per approval13.4
- Distinct 7(a) lenders active4
- Distinct industries receiving approvals6
- Median 7(a) term300 months
- Share of loans on real estate terms, 240 months or longer71.4 percent
- Loans on real estate terms5
- Loans on working capital terms, 120 months or shorter1
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countHotels (except Casino Hotels) and Motels (2)
- Most active lenderCitizens State Bank of Roseau (3)
- 504 approvals recorded3
- 504 gross approval dollars$995,000
- Average 504 approval$331,667
- Median 504 approval$314,000
- Distinct CDCs active2
- 504 jobs per approval9.3
- 504 jobs per million dollars approved28.1
- Most active CDCMidwest Business Finance Corporation (2)
- 7(a) share of SBA approvals70.0 percent
- Combined SBA approval dollars$12.1 m
The average approval of $1,581,929 sits close to the median of $2,102,500, so lending here is fairly evenly sized rather than driven by a few large deals. 71.4 percent of approvals run on real estate terms of 240 months or more, so this is a market where SBA credit is buying buildings, not just funding operations.
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.
Roseau County
Do SBA loans in Roseau County get paid back
- Loans with a final outcome recorded1
- Paid in full1
- Charged off0
- Status: Exempt from disclosure6
- Status: Paid in full1
Too few loans have reached a final outcome to publish a charge off rate. only 1 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.
Roseau County
Which parts of Roseau County get the lending
- Places in the county with recorded lending3
- Roseau, approvals3
- WARROAD, approvals3
- GREENBUSH, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Roseau | 3 | $5,691,000 |
| WARROAD | 3 | $5,002,500 |
| GREENBUSH | 1 | $380,000 |
Roseau accounts for 3 approvals against 3 in WARROAD. 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.
Roseau County
How big is Roseau County
- Land area1,672 sq mi
- Rank by land area among Minnesota counties11th of 87
- Width, east to west59.9 mi
- Height, north to south31.9 mi
- Geographies sharing a boundary4
- Residents per square mile of land9
- Establishments per square mile0.26
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 Roseau 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 Roseau County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population15,302
- Households6,296
- Average household size2.43
- Median household income$74,474
- Median age41.9
Common questions
Roseau County questions, answered from the record.
How many people live in Roseau County, Minnesota?
15,302, in 6,296 households, ranking 55th of 87 Minnesota counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Roseau County growing?
The population has fallen 0.46 percent since the 2020 census base. In 2024 there were 177 births against 159 deaths, with net migration of -47. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Roseau County?
$74,474. The median owner-occupied home is valued at $183,700, which is 2.5 times income, and median gross rent is $880 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Roseau County?
429 establishments, employing 7,162 people with an annual payroll of $395.5 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 Roseau County?
Average annual pay is $62,932, or $1,210 a week, across 7,971 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Roseau County?
7 7(a) approvals totalling $11.1 m since FY2020, across 4 lenders, with a median approval of $2,102,500, plus 3 504 approvals worth $995,000. These are approvals recorded in the release, not loans disbursed.
What is being built in Roseau County?
22 housing units were authorised by permit in 2024, with a declared construction value of $3.6 m. Multifamily was 9.1 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Roseau County?
Zone 1, a predicted average indoor radon screening level greater than 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 Roseau County come from?
The largest single origin is Roseau County Non-migrants, with 6,170 households. Arriving households report an average income of $58,218 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 Roseau 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 Roseau 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.