HomeNorth DakotaOliver County
Oliver County, North Dakota: commercial real estate data.
Oliver County, North Dakota has a population of 1,839 across 723 square miles, up 0.4 percent since the 2020 census base. County output reached $332.4 m in 2024, 47 establishments operate here, and the SBA record carries 3 7(a) approvals worth $759,000.
107 sourced county values · tier FULL · 11 sections
Oliver County
How many people live in Oliver County
- Population1,839
- Households725
- Average household size2.54
- Median household income$77,240
- Median age46.1
- Median gross rent$756 per month
- Median owner-occupied home value$215,700
- Home value to household income2.8 times
- Annual rent as a share of median income11.7 percent
- Adults 25 and over with a bachelor degree or higher23.0 percent
- Adults 25 and over with a graduate degree4.9 percent
- Adults 25 and over1,293
- Population under 18476
- Share under 1825.9 percent
- Population 65 and over501
- Share 65 and over27.2 percent
- Working age population, 18 to 64862
- Civilian labor force804
- Unemployment rate1.0 percent
- Labor force participation, adults 18 and over59.0 percent
- Rank by population among North Dakota counties47th of 53
- Rank by population among US county-equivalents3131st
Oliver County is the 47th largest of 53 North Dakota counties by population. A median home costs 2.8 times median household income, which is an affordable ownership market by national standards. Residents 65 and over outnumber those under 18, at 27.2 percent against 25.9 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.
Oliver County
Is Oliver County growing
- Population change since the 2020 census base0.37 percent
- Census 2020 base population1,875
- Births, 202416
- Deaths, 20244
- Natural change, 202412
- Net domestic migration, 2024-1
- Net international migration, 20240
- Total net migration, 2024-1
- Cumulative net domestic migration, 2021 to 2024-15
- Rank by growth among US county-equivalents1693rd
The county has grown 0.37 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.
Oliver County
Where people moving to Oliver County come from
- Tax returns filed by households arriving27
- People arriving, from those returns54
- Adjusted gross income arriving$1.4 m
- Net adjusted gross income movement$0
- Average income of an arriving household$51,185
- Largest single originOliver County Non-migrants (719 households)
- Largest single destination (719 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Oliver County Non-migrants | 719 | 1,593 | $64.6 m |
| Other flows - Same State | 27 | 54 | $1.4 m |
The largest single source of arrivals is Oliver 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.
Oliver County
What the Oliver County economy runs on
- County GDP, 2024$332.4 m
- County GDP, 2023$326.3 m
- GDP change, 2023 to 20241.9 percent
- GDP change over five years18.3 percent
- Rank by GDP among North Dakota counties29th
- Rank by GDP among US county-equivalents2650th
- GDP per resident$180,746
Output grew 1.9 percent in the latest year and 18.3 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.
Oliver County
Who employs people in Oliver County
- Covered employment, annual average706
- Establishments reporting73
- Average annual pay$91,626
- Average weekly wage$1,762
- Sector 52, employment15
- Sector 52, average annual pay$56,345
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 52 | 15 | 5 | $56,345 |
The largest sector is the biggest private employer group at 15 jobs, 2.1 percent of covered employment. Average pay per job exceeds median household income, which usually means single earner households and a wage base that can carry rent.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Oliver County
What businesses operate in Oliver County
- Establishments, all industries47
- Employment at those establishments600
- Annual payroll$53.2 m
- Establishments per 1,000 residents25.6
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.
Oliver County
What is being built in Oliver County
- Housing units authorised by permit, 20247
- Declared construction value permitted$2.2 m
- Single family units authorised7
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$320,650
- Units authorised per 1,000 households9.7
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Oliver County
How much SBA lending happens in Oliver County
- 7(a) approvals recorded3
- 7(a) gross approval dollars$759,000
- Average 7(a) approval$253,000
- Median 7(a) approval$335,000
- 10th percentile approval$40,000
- 90th percentile approval$384,000
- Largest single approval$384,000
- Jobs reported supported, 7(a)7
- Jobs per approval2.3
- Distinct 7(a) lenders active3
- Distinct industries receiving approvals3
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer33.3 percent
- Loans on real estate terms1
- Loans on working capital terms, 120 months or shorter2
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countSupport Activities for Rail Transportation (1)
- Most active lenderReadycap Lending, LLC (1)
- 504 approvals recorded3
- 504 gross approval dollars$862,000
- Average 504 approval$287,333
- Median 504 approval$307,000
- Distinct CDCs active2
- 504 jobs per approval5.7
- 504 jobs per million dollars approved19.7
- Most active CDCDakota Business Lending (2)
- 7(a) share of SBA approvals50.0 percent
- Combined SBA approval dollars$1.6 m
The average approval of $253,000 sits close to the median of $335,000, so lending here is fairly evenly sized rather than driven by a few large deals. 33.3 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.
Oliver County
Do SBA loans in Oliver County get paid back
- Loans with a final outcome recorded1
- Paid in full1
- Charged off0
- Status: Paid in full1
- Status: Exempt from disclosure2
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.
Oliver County
Which parts of Oliver County get the lending
- Places in the county with recorded lending2
- CENTER, approvals2
- Hensler, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| CENTER | 2 | $375,000 |
| Hensler | 1 | $384,000 |
CENTER accounts for 2 approvals against 1 in Hensler. 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.
Oliver County
How big is Oliver County
- Land area723 sq mi
- Rank by land area among North Dakota counties49th of 53
- Width, east to west41.5 mi
- Height, north to south21.5 mi
- Geographies sharing a boundary4
- Residents per square mile of land3
- Establishments per square mile0.07
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 Oliver 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 Oliver County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population1,839
- Households725
- Average household size2.54
- Median household income$77,240
- Median age46.1
Common questions
Oliver County questions, answered from the record.
How many people live in Oliver County, North Dakota?
1,839, in 725 households, ranking 47th of 53 North Dakota counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Oliver County growing?
The population has grown 0.37 percent since the 2020 census base. In 2024 there were 16 births against 4 deaths, with net migration of -1. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Oliver County?
$77,240. The median owner-occupied home is valued at $215,700, which is 2.8 times income, and median gross rent is $756 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Oliver County?
47 establishments, employing 600 people with an annual payroll of $53.2 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 Oliver County?
Average annual pay is $91,626, or $1,762 a week, across 706 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Oliver County?
3 7(a) approvals totalling $759,000 since FY2020, across 3 lenders, with a median approval of $335,000, plus 3 504 approvals worth $862,000. These are approvals recorded in the release, not loans disbursed.
What is being built in Oliver County?
7 housing units were authorised by permit in 2024, with a declared construction value of $2.2 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Oliver 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 Oliver County come from?
The largest single origin is Oliver County Non-migrants, with 719 households. Arriving households report an average income of $51,185 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 Oliver 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 Oliver 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.