Adams County, Wisconsin: commercial real estate data.
Adams County, Wisconsin has a population of 21,123 across 646 square miles, up 3.4 percent since the 2020 census base. County output reached $760.9 m in 2024, 346 establishments operate here, and the SBA record carries 18 7(a) approvals worth $10.6 m.
119 sourced county values · tier FULL · 11 sections
Adams County
How many people live in Adams County
- Population21,123
- Households9,517
- Average household size2.22
- Median household income$59,442
- Median age55.7
- Median gross rent$828 per month
- Median owner-occupied home value$200,800
- Home value to household income3.4 times
- Annual rent as a share of median income16.7 percent
- Adults 25 and over with a bachelor degree or higher17.5 percent
- Adults 25 and over with a graduate degree4.3 percent
- Adults 25 and over17,220
- Population under 182,847
- Share under 1813.5 percent
- Population 65 and over6,803
- Share 65 and over32.2 percent
- Working age population, 18 to 6411,473
- Civilian labor force8,895
- Unemployment rate4.5 percent
- Labor force participation, adults 18 and over48.7 percent
- Rank by population among Wisconsin counties50th of 72
- Rank by population among US county-equivalents1813th
Adams County is the 50th largest of 72 Wisconsin 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 32.2 percent against 13.5 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.
Adams County
Is Adams County growing
- Population change since the 2020 census base3.39 percent
- Census 2020 base population20,651
- Births, 2024107
- Deaths, 2024288
- Natural change, 2024-181
- Net domestic migration, 2024-4
- Net international migration, 202411
- Total net migration, 20247
- Cumulative net domestic migration, 2021 to 20241,385
- Rank by growth among US county-equivalents800th
The county has grown 3.39 percent 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.
Adams County
Where people moving to Adams County come from
- Tax returns filed by households arriving864
- People arriving, from those returns1,463
- Adjusted gross income arriving$65.7 m
- Net adjusted gross income movement$0
- Average income of an arriving household$75,999
- Largest single originAdams County Non-migrants (7,956 households)
- Largest single destination (7,956 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Adams County Non-migrants | 7,956 | 14,605 | $490.5 m |
| Other flows - Different State | 175 | 314 | $16.8 m |
| Other flows - Same State | 174 | 283 | $10.3 m |
| Other flows - Midwest | 104 | 181 | $8.8 m |
| Wood County | 68 | 122 | $6.3 m |
| Columbia County | 65 | 113 | $3.0 m |
| Dane County | 64 | 110 | $9.6 m |
| Sauk County | 57 | 92 | $3.1 m |
The largest single source of arrivals is Adams 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.
Adams County
What the Adams County economy runs on
- County GDP, 2024$760.9 m
- County GDP, 2023$723.9 m
- GDP change, 2023 to 20245.1 percent
- GDP change over five years21.8 percent
- Rank by GDP among Wisconsin counties61st
- Rank by GDP among US county-equivalents2066th
- GDP per resident$36,023
Output grew 5.1 percent in the latest year and 21.8 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.
Adams County
Who employs people in Adams County
- Covered employment, annual average4,412
- Establishments reporting444
- Average annual pay$46,533
- Average weekly wage$895
- Sector 72, employment771
- Sector 72, average annual pay$23,804
- Sector 11, employment498
- Sector 11, average annual pay$63,021
- Sector 44-45, employment456
- Sector 44-45, average annual pay$28,970
- Sector 31-33, employment319
- Sector 31-33, average annual pay$57,035
- Sector 23, employment169
- Sector 71, employment133
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 72 | 771 | 49 | $23,804 |
| Sector 11 | 498 | 25 | $63,021 |
| Sector 44-45 | 456 | 36 | $28,970 |
| Sector 31-33 | 319 | 13 | $57,035 |
| Sector 23 | 169 | 50 | $49,543 |
| Sector 71 | 133 | 3 | $22,773 |
| Sector 81 | 133 | 20 | $29,315 |
| Sector 48-49 | 113 | 20 | $46,353 |
The largest sector is the biggest private employer group at 771 jobs, 17.5 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.
Adams County
What businesses operate in Adams County
- Establishments, all industries346
- Employment at those establishments3,187
- Annual payroll$129.3 m
- Establishments per 1,000 residents16.4
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.
Adams County
What is being built in Adams County
- Housing units authorised by permit, 2024127
- Declared construction value permitted$41.9 m
- Single family units authorised127
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$329,572
- Units authorised per 1,000 households13.3
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Adams County
How much SBA lending happens in Adams County
- 7(a) approvals recorded18
- 7(a) gross approval dollars$10.6 m
- Average 7(a) approval$591,567
- Median 7(a) approval$325,000
- 10th percentile approval$50,000
- 90th percentile approval$2,050,000
- Largest single approval$4,000,000
- Jobs reported supported, 7(a)245
- Jobs per approval13.6
- Distinct 7(a) lenders active10
- Distinct industries receiving approvals15
- Median 7(a) term240 months
- Share of loans on real estate terms, 240 months or longer50.0 percent
- Loans on real estate terms9
- Loans on working capital terms, 120 months or shorter9
- Franchise loans2
- Franchise share of approvals11.1 percent
- Leading industry by approval countHardware Retailers (2)
- Most active lenderOne Community Bank (4)
- 504 approvals recorded5
- 504 gross approval dollars$2.7 m
- Average 504 approval$532,800
- Median 504 approval$405,000
- Distinct CDCs active1
- 504 jobs per approval4.2
- 504 jobs per million dollars approved7.9
- Most active CDCWBD, Inc. (5)
- 7(a) share of SBA approvals78.3 percent
- Combined SBA approval dollars$13.3 m
The average approval of $591,567 sits well above the median of $325,000, 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. 50.0 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.
Adams County
Do SBA loans in Adams County get paid back
- Loans with a final outcome recorded0
- Paid in full0
- Charged off0
- Status: Exempt from disclosure15
- Status: Cancelled3
Too few loans have reached a final outcome to publish a charge off rate. only 0 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.
Adams County
Which parts of Adams County get the lending
- Places in the county with recorded lending8
- WISCONSIN DELLS, approvals4
- ARKDALE, approvals3
- Adams, approvals3
- Friendship, approvals3
- Oxford, approvals2
- Grand Marsh, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| WISCONSIN DELLS | 4 | $1,216,500 |
| ARKDALE | 3 | $470,000 |
| Adams | 3 | $4,522,000 |
| Friendship | 3 | $1,236,700 |
| Oxford | 2 | $655,000 |
| Grand Marsh | 1 | $423,000 |
| VERONA | 1 | $75,000 |
| NEKOOSA | 1 | $2,050,000 |
WISCONSIN DELLS accounts for 4 approvals against 3 in ARKDALE. 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.
Adams County
How big is Adams County
- Land area646 sq mi
- Rank by land area among Wisconsin counties43rd of 72
- Width, east to west21.4 mi
- Height, north to south42 mi
- Geographies sharing a boundary6
- Residents per square mile of land33
- Establishments per square mile0.54
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 Adams 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 Adams County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population21,123
- Households9,517
- Average household size2.22
- Median household income$59,442
- Median age55.7
Common questions
Adams County questions, answered from the record.
How many people live in Adams County, Wisconsin?
21,123, in 9,517 households, ranking 50th of 72 Wisconsin counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Adams County growing?
The population has grown 3.39 percent since the 2020 census base. In 2024 there were 107 births against 288 deaths, with net migration of 7. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Adams County?
$59,442. The median owner-occupied home is valued at $200,800, which is 3.4 times income, and median gross rent is $828 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Adams County?
346 establishments, employing 3,187 people with an annual payroll of $129.3 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 Adams County?
Average annual pay is $46,533, or $895 a week, across 4,412 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Adams County?
18 7(a) approvals totalling $10.6 m since FY2020, across 10 lenders, with a median approval of $325,000, plus 5 504 approvals worth $2.7 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Adams County?
127 housing units were authorised by permit in 2024, with a declared construction value of $41.9 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Adams 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 Adams County come from?
The largest single origin is Adams County Non-migrants, with 7,956 households. Arriving households report an average income of $75,999 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 Adams 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 Adams 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.