Stevens County, Minnesota: commercial real estate data.
Stevens County, Minnesota has a population of 9,739 across 564 square miles, up 1.5 percent since the 2020 census base. County output reached $816.3 m in 2024, 318 establishments operate here, and the SBA record carries 7 7(a) approvals worth $7.9 m.
113 sourced county values · tier FULL · 10 sections
Stevens County
How many people live in Stevens County
- Population9,739
- Households3,889
- Average household size2.50
- Median household income$75,733
- Median age33.9
- Median gross rent$951 per month
- Median owner-occupied home value$202,800
- Home value to household income2.7 times
- Annual rent as a share of median income15.1 percent
- Adults 25 and over with a bachelor degree or higher31.1 percent
- Adults 25 and over with a graduate degree8.0 percent
- Adults 25 and over5,894
- Population under 182,174
- Share under 1822.3 percent
- Population 65 and over1,640
- Share 65 and over16.8 percent
- Working age population, 18 to 645,925
- Civilian labor force5,117
- Unemployment rate2.0 percent
- Labor force participation, adults 18 and over67.6 percent
- Rank by population among Minnesota counties69th of 87
- Rank by population among US county-equivalents2507th
Stevens County is the 69th largest of 87 Minnesota counties by population. A median home costs 2.7 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 16.8 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Stevens County
Is Stevens County growing
- Population change since the 2020 census base1.52 percent
- Census 2020 base population9,672
- Births, 2024128
- Deaths, 202466
- Natural change, 202462
- Net domestic migration, 2024-143
- Net international migration, 202466
- Total net migration, 2024-77
- Cumulative net domestic migration, 2021 to 2024-268
- Rank by growth among US county-equivalents1329th
The county has grown 1.52 percent 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.
Stevens County
Where people moving to Stevens County come from
- Tax returns filed by households arriving193
- People arriving, from those returns377
- Adjusted gross income arriving$9.3 m
- Net adjusted gross income movement$0
- Average income of an arriving household$47,995
- Largest single originStevens County Non-migrants (3,626 households)
- Largest single destination (3,626 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Stevens County Non-migrants | 3,626 | 8,356 | $345.1 m |
| Other flows - Same State | 142 | 270 | $6.7 m |
| Other flows - Different State | 51 | 107 | $2.5 m |
| Other flows - Midwest | 51 | 107 | $2.5 m |
The largest single source of arrivals is Stevens 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.
Stevens County
What the Stevens County economy runs on
- County GDP, 2024$816.3 m
- County GDP, 2023$708.7 m
- GDP change, 2023 to 202415.2 percent
- GDP change over five years24.3 percent
- Rank by GDP among Minnesota counties59th
- Rank by GDP among US county-equivalents2013th
- GDP per resident$83,820
Output grew 15.2 percent in the latest year and 24.3 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.
Stevens County
Who employs people in Stevens County
- Covered employment, annual average5,738
- Establishments reporting390
- Average annual pay$63,358
- Average weekly wage$1,218
- Sector 31-33, employment930
- Sector 31-33, average annual pay$80,343
- Sector 44-45, employment476
- Sector 44-45, average annual pay$35,295
- Sector 72, employment373
- Sector 72, average annual pay$16,585
- Sector 23, employment230
- Sector 23, average annual pay$103,541
- Sector 42, employment191
- Sector 54, employment135
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 930 | 14 | $80,343 |
| Sector 44-45 | 476 | 41 | $35,295 |
| Sector 72 | 373 | 23 | $16,585 |
| Sector 23 | 230 | 42 | $103,541 |
| Sector 42 | 191 | 26 | $62,512 |
| Sector 54 | 135 | 14 | $84,081 |
| Sector 52 | 124 | 20 | $90,366 |
| Sector 81 | 87 | 34 | $21,957 |
The largest sector is the biggest private employer group at 930 jobs, 16.2 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.
Stevens County
What businesses operate in Stevens County
- Establishments, all industries318
- Employment at those establishments4,051
- Annual payroll$243.1 m
- Establishments per 1,000 residents32.7
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.
Stevens County
What is being built in Stevens County
- Housing units authorised by permit, 20248
- Declared construction value permitted$3.0 m
- Single family units authorised8
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$377,500
- Units authorised per 1,000 households2.1
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Stevens County
How much SBA lending happens in Stevens County
- 7(a) approvals recorded7
- 7(a) gross approval dollars$7.9 m
- Average 7(a) approval$1,131,643
- Median 7(a) approval$500,000
- 10th percentile approval$35,000
- 90th percentile approval$4,166,500
- Largest single approval$4,166,500
- Jobs reported supported, 7(a)117
- Jobs per approval16.7
- Distinct 7(a) lenders active5
- Distinct industries receiving approvals5
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer14.3 percent
- Loans on real estate terms1
- Loans on working capital terms, 120 months or shorter6
- Franchise loans1
- Franchise share of approvals14.3 percent
- Leading industry by approval countAutomobile and Other Motor Vehicle Merchant Wholesalers (3)
- Most active lenderBankVista (3)
- 504 approvals recorded7
- 504 gross approval dollars$2.6 m
- Average 504 approval$374,571
- Median 504 approval$395,000
- Distinct CDCs active4
- 504 jobs per approval6.3
- 504 jobs per million dollars approved16.8
- Most active CDCMidwest Business Finance Corporation (3)
- 7(a) share of SBA approvals50.0 percent
- Combined SBA approval dollars$10.5 m
The average approval of $1,131,643 sits well above the median of $500,000, 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 14.3 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.
Stevens County
Do SBA loans in Stevens County get paid back
- Loans with a final outcome recorded1
- Paid in full1
- Charged off0
- Status: Paid in full1
- Status: Exempt from disclosure5
- Status: Cancelled1
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.
Stevens County
How big is Stevens County
- Land area564 sq mi
- Rank by land area among Minnesota counties57th of 87
- Width, east to west24.5 mi
- Height, north to south24 mi
- Geographies sharing a boundary5
- Residents per square mile of land17
- Establishments per square mile0.56
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 Stevens 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 Stevens County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population9,739
- Households3,889
- Average household size2.50
- Median household income$75,733
- Median age33.9
Common questions
Stevens County questions, answered from the record.
How many people live in Stevens County, Minnesota?
9,739, in 3,889 households, ranking 69th of 87 Minnesota counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Stevens County growing?
The population has grown 1.52 percent since the 2020 census base. In 2024 there were 128 births against 66 deaths, with net migration of -77. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Stevens County?
$75,733. The median owner-occupied home is valued at $202,800, which is 2.7 times income, and median gross rent is $951 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Stevens County?
318 establishments, employing 4,051 people with an annual payroll of $243.1 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 Stevens County?
Average annual pay is $63,358, or $1,218 a week, across 5,738 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Stevens County?
7 7(a) approvals totalling $7.9 m since FY2020, across 5 lenders, with a median approval of $500,000, plus 7 504 approvals worth $2.6 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Stevens County?
8 housing units were authorised by permit in 2024, with a declared construction value of $3.0 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Stevens 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 Stevens County come from?
The largest single origin is Stevens County Non-migrants, with 3,626 households. Arriving households report an average income of $47,995 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 Stevens 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 Stevens 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.