HomeNorth DakotaStutsman County
Stutsman County, North Dakota: commercial real estate data.
Stutsman County, North Dakota has a population of 21,549 across 2,222 square miles, down 0.3 percent since the 2020 census base. County output reached $1.94 bn in 2024, 636 establishments operate here, and the SBA record carries 12 7(a) approvals worth $13.5 m.
117 sourced county values · tier FULL · 11 sections
Stutsman County
How many people live in Stutsman County
- Population21,549
- Households9,437
- Average household size2.28
- Median household income$61,856
- Median age41.1
- Median gross rent$774 per month
- Median owner-occupied home value$208,400
- Home value to household income3.4 times
- Annual rent as a share of median income15.0 percent
- Adults 25 and over with a bachelor degree or higher25.9 percent
- Adults 25 and over with a graduate degree6.9 percent
- Adults 25 and over15,068
- Population under 184,331
- Share under 1820.1 percent
- Population 65 and over4,402
- Share 65 and over20.4 percent
- Working age population, 18 to 6412,816
- Civilian labor force10,831
- Unemployment rate4.0 percent
- Labor force participation, adults 18 and over62.9 percent
- Rank by population among North Dakota counties8th of 53
- Rank by population among US county-equivalents1792nd
Stutsman County is the 8th largest of 53 North Dakota counties by population. A median home costs 3.4 times median household income, which is an affordable ownership market by national standards. Residents 65 and over outnumber those under 18, at 20.4 percent against 20.1 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.
Stutsman County
Is Stutsman County growing
- Population change since the 2020 census base-0.25 percent
- Census 2020 base population21,601
- Births, 2024205
- Deaths, 2024215
- Natural change, 2024-10
- Net domestic migration, 2024-67
- Net international migration, 2024102
- Total net migration, 202435
- Cumulative net domestic migration, 2021 to 2024-131
- Rank by growth among US county-equivalents1943rd
The county has lost 0.25 percent of its population since the 2020 census base. Deaths exceeded births in 2024, so all of the growth came from people moving in. A market held up by migration alone is more sensitive to a change in relative cost than one growing from household formation.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Stutsman County
Where people moving to Stutsman County come from
- Tax returns filed by households arriving440
- People arriving, from those returns725
- Adjusted gross income arriving$24.0 m
- Net adjusted gross income movement$0
- Average income of an arriving household$54,634
- Largest single originStutsman County Non-migrants (8,225 households)
- Largest single destination (8,225 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Stutsman County Non-migrants | 8,225 | 16,032 | $692.0 m |
| Other flows - Different State | 182 | 320 | $9.0 m |
| Other flows - Same State | 132 | 215 | $6.5 m |
| Other flows - West | 73 | 137 | $3.5 m |
| Other flows - Midwest | 72 | 114 | $4.4 m |
| Cass County | 60 | 90 | $5.5 m |
| Other flows - South | 37 | 69 | $1.1 m |
| Barnes County | 34 | 54 | $1.4 m |
The largest single source of arrivals is Stutsman 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.
Stutsman County
What the Stutsman County economy runs on
- County GDP, 2024$1.94 bn
- County GDP, 2023$1.96 bn
- GDP change, 2023 to 2024-0.9 percent
- GDP change over five years50.6 percent
- Rank by GDP among North Dakota counties10th
- Rank by GDP among US county-equivalents1308th
- GDP per resident$89,934
Output grew -0.9 percent in the latest year and 50.6 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.
Stutsman County
Who employs people in Stutsman County
- Covered employment, annual average11,076
- Establishments reporting900
- Average annual pay$56,489
- Average weekly wage$1,086
- Sector 31-33, employment1,276
- Sector 31-33, average annual pay$77,783
- Sector 44-45, employment1,272
- Sector 44-45, average annual pay$37,005
- Sector 72, employment927
- Sector 72, average annual pay$21,982
- Sector 23, employment584
- Sector 23, average annual pay$72,294
- Sector 42, employment550
- Sector 54, employment326
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 1,276 | 23 | $77,783 |
| Sector 44-45 | 1,272 | 92 | $37,005 |
| Sector 72 | 927 | 70 | $21,982 |
| Sector 23 | 584 | 107 | $72,294 |
| Sector 42 | 550 | 89 | $84,857 |
| Sector 54 | 326 | 69 | $66,890 |
| Sector 52 | 309 | 54 | $90,368 |
| Sector 48-49 | 295 | 41 | $65,258 |
The largest sector is the biggest private employer group at 1,276 jobs, 11.5 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.
Stutsman County
What businesses operate in Stutsman County
- Establishments, all industries636
- Employment at those establishments8,574
- Annual payroll$449.2 m
- Establishments per 1,000 residents29.5
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.
Stutsman County
What is being built in Stutsman County
- Housing units authorised by permit, 202421
- Declared construction value permitted$4.3 m
- Single family units authorised21
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$206,557
- Units authorised per 1,000 households2.2
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Stutsman County
How much SBA lending happens in Stutsman County
- 7(a) approvals recorded12
- 7(a) gross approval dollars$13.5 m
- Average 7(a) approval$1,125,658
- Median 7(a) approval$425,000
- 10th percentile approval$15,000
- 90th percentile approval$3,015,000
- Largest single approval$3,230,700
- Jobs reported supported, 7(a)94
- Jobs per approval7.8
- Distinct 7(a) lenders active8
- Distinct industries receiving approvals9
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer33.3 percent
- Loans on real estate terms4
- Loans on working capital terms, 120 months or shorter8
- Franchise loans2
- Franchise share of approvals16.7 percent
- Leading industry by approval countHotels (except Casino Hotels) and Motels (2)
- Most active lenderU.S. Bank, National Association (3)
- 504 approvals recorded16
- 504 gross approval dollars$14.0 m
- Average 504 approval$873,688
- Median 504 approval$506,000
- Distinct CDCs active3
- 504 jobs per approval5.9
- 504 jobs per million dollars approved6.8
- Most active CDCDakota Business Lending (7)
- 7(a) share of SBA approvals42.9 percent
- Combined SBA approval dollars$27.5 m
The average approval of $1,125,658 sits well above the median of $425,000, 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. 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.
Stutsman County
Do SBA loans in Stutsman County get paid back
- Loans with a final outcome recorded3
- Paid in full3
- Charged off0
- Status: Exempt from disclosure6
- Status: Paid in full3
- Status: Cancelled2
- Status: Committed, not yet disbursed1
Too few loans have reached a final outcome to publish a charge off rate. only 3 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.
Stutsman County
Which parts of Stutsman County get the lending
- Places in the county with recorded lending2
- JAMESTOWN, approvals11
- COURTENAY, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| JAMESTOWN | 11 | $13,492,900 |
| COURTENAY | 1 | $15,000 |
JAMESTOWN accounts for 11 approvals against 1 in COURTENAY. 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.
Stutsman County
How big is Stutsman County
- Land area2,222 sq mi
- Rank by land area among North Dakota counties2nd of 53
- Width, east to west49.1 mi
- Height, north to south48.1 mi
- Geographies sharing a boundary7
- Residents per square mile of land10
- Establishments per square mile0.29
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 Stutsman 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 Stutsman County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population21,549
- Households9,437
- Average household size2.28
- Median household income$61,856
- Median age41.1
Common questions
Stutsman County questions, answered from the record.
How many people live in Stutsman County, North Dakota?
21,549, in 9,437 households, ranking 8th of 53 North Dakota counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Stutsman County growing?
The population has fallen 0.25 percent since the 2020 census base. In 2024 there were 205 births against 215 deaths, with net migration of 35. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Stutsman County?
$61,856. The median owner-occupied home is valued at $208,400, which is 3.4 times income, and median gross rent is $774 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Stutsman County?
636 establishments, employing 8,574 people with an annual payroll of $449.2 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 Stutsman County?
Average annual pay is $56,489, or $1,086 a week, across 11,076 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Stutsman County?
12 7(a) approvals totalling $13.5 m since FY2020, across 8 lenders, with a median approval of $425,000, plus 16 504 approvals worth $14.0 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Stutsman County?
21 housing units were authorised by permit in 2024, with a declared construction value of $4.3 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Stutsman 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 Stutsman County come from?
The largest single origin is Stutsman County Non-migrants, with 8,225 households. Arriving households report an average income of $54,634 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 Stutsman 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 Stutsman 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.