Chippewa County, Wisconsin: commercial real estate data.
Chippewa County, Wisconsin has a population of 66,799 across 1,008 square miles, up 1.5 percent since the 2020 census base. County output reached $3.85 bn in 2024, 1,660 establishments operate here, and the SBA record carries 81 7(a) approvals worth $35.5 m.
123 sourced county values · tier FULL · 11 sections
Chippewa County
How many people live in Chippewa County
- Population66,799
- Households27,139
- Average household size2.46
- Median household income$74,680
- Median age42.2
- Median gross rent$963 per month
- Median owner-occupied home value$257,900
- Home value to household income3.5 times
- Annual rent as a share of median income15.5 percent
- Adults 25 and over with a bachelor degree or higher24.2 percent
- Adults 25 and over with a graduate degree6.4 percent
- Adults 25 and over47,892
- Population under 1814,291
- Share under 1821.4 percent
- Population 65 and over13,188
- Share 65 and over19.7 percent
- Working age population, 18 to 6439,320
- Civilian labor force34,270
- Unemployment rate3.1 percent
- Labor force participation, adults 18 and over65.3 percent
- Rank by population among Wisconsin counties24th of 72
- Rank by population among US county-equivalents821st
Chippewa County is the 24th largest of 72 Wisconsin counties by population. A median home costs 3.5 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 21.4 percent against 19.7 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Chippewa County
Is Chippewa County growing
- Population change since the 2020 census base1.54 percent
- Census 2020 base population66,301
- Births, 2024647
- Deaths, 2024672
- Natural change, 2024-25
- Net domestic migration, 2024377
- Net international migration, 202422
- Total net migration, 2024399
- Cumulative net domestic migration, 2021 to 20241,045
- Rank by growth among US county-equivalents1317th
The county has grown 1.54 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.
Chippewa County
Where people moving to Chippewa County come from
- Tax returns filed by households arriving1,915
- People arriving, from those returns3,241
- Adjusted gross income arriving$118.3 m
- Net adjusted gross income movement$0
- Average income of an arriving household$61,785
- Largest single originChippewa County Non-migrants (26,474 households)
- Largest single destination (26,474 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Chippewa County Non-migrants | 26,474 | 53,778 | $2.14 bn |
| Eau Claire County | 754 | 1,272 | $40.1 m |
| Other flows - Different State | 370 | 667 | $32.5 m |
| Other flows - Same State | 273 | 430 | $18.1 m |
| Other flows - Midwest | 182 | 313 | $15.7 m |
| Dunn County | 113 | 203 | $6.3 m |
| Barron County | 103 | 168 | $5.7 m |
| Other flows - West | 102 | 188 | $11.7 m |
The largest single source of arrivals is Chippewa 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.
Chippewa County
What the Chippewa County economy runs on
- County GDP, 2024$3.85 bn
- County GDP, 2023$3.71 bn
- GDP change, 2023 to 20243.8 percent
- GDP change over five years32.8 percent
- Rank by GDP among Wisconsin counties26th
- Rank by GDP among US county-equivalents828th
- GDP per resident$57,699
Output grew 3.8 percent in the latest year and 32.8 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.
Chippewa County
Who employs people in Chippewa County
- Covered employment, annual average26,613
- Establishments reporting1,963
- Average annual pay$53,189
- Average weekly wage$1,023
- Sector 31-33, employment5,662
- Sector 31-33, average annual pay$66,492
- Sector 44-45, employment3,387
- Sector 44-45, average annual pay$40,830
- Sector 62, employment3,333
- Sector 62, average annual pay$46,242
- Sector 72, employment2,061
- Sector 72, average annual pay$17,560
- Sector 23, employment1,808
- Sector 48-49, employment1,569
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 5,662 | 128 | $66,492 |
| Sector 44-45 | 3,387 | 200 | $40,830 |
| Sector 62 | 3,333 | 387 | $46,242 |
| Sector 72 | 2,061 | 176 | $17,560 |
| Sector 23 | 1,808 | 231 | $75,416 |
| Sector 48-49 | 1,569 | 113 | $47,757 |
| Sector 42 | 990 | 86 | $70,309 |
| Sector 81 | 793 | 116 | $41,627 |
The largest sector is the biggest private employer group at 5,662 jobs, 21.3 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.
Chippewa County
What businesses operate in Chippewa County
- Establishments, all industries1,660
- Employment at those establishments22,890
- Annual payroll$1.30 bn
- Establishments per 1,000 residents24.9
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.
Chippewa County
What is being built in Chippewa County
- Housing units authorised by permit, 2024364
- Declared construction value permitted$100.7 m
- Single family units authorised190
- Multifamily units authorised174
- Multifamily share of units47.8 percent
- Average declared value per unit$276,687
- Units authorised per 1,000 households13.4
Multifamily is 47.8 percent of units authorised, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Chippewa County
How much SBA lending happens in Chippewa County
- 7(a) approvals recorded81
- 7(a) gross approval dollars$35.5 m
- Average 7(a) approval$438,858
- Median 7(a) approval$200,000
- 10th percentile approval$35,000
- 90th percentile approval$1,000,000
- Largest single approval$4,990,100
- Jobs reported supported, 7(a)988
- Jobs per approval12.2
- Distinct 7(a) lenders active18
- Distinct industries receiving approvals50
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer21.0 percent
- Loans on real estate terms17
- Loans on working capital terms, 120 months or shorter60
- Franchise loans3
- Franchise share of approvals3.7 percent
- Leading industry by approval countLandscaping Services (6)
- Most active lenderCCFBank National Association (31)
- 504 approvals recorded52
- 504 gross approval dollars$41.6 m
- Average 504 approval$799,269
- Median 504 approval$555,000
- Distinct CDCs active2
- 504 jobs per approval15.4
- 504 jobs per million dollars approved19.3
- Most active CDCWBD, Inc. (51)
- 7(a) share of SBA approvals60.9 percent
- Combined SBA approval dollars$77.1 m
The average approval of $438,858 sits well above the median of $200,000, 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 21.0 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.
Chippewa County
Do SBA loans in Chippewa County get paid back
- Loans with a final outcome recorded20
- Paid in full19
- Charged off1
- Charge off rate on resolved loans5.0 percent
- Status: Exempt from disclosure50
- Status: Cancelled6
- Status: Paid in full19
- Status: Charged off1
- Status: Committed, not yet disbursed5
Of the 20 loans that have reached a final outcome, 5.0 percent were charged off. This is computed only over resolved loans, because a loan still running has not yet succeeded or failed and counting it either way would be wrong.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Chippewa County
Which parts of Chippewa County get the lending
- Places in the county with recorded lending10
- CHIPPEWA FALLS, approvals37
- BLOOMER, approvals13
- CADOTT, approvals7
- Eau Claire, approvals7
- HOLCOMBE, approvals6
- Stanley, approvals4
| Place | Approvals | Gross approval dollars |
|---|---|---|
| CHIPPEWA FALLS | 37 | $15,766,500 |
| BLOOMER | 13 | $2,348,000 |
| CADOTT | 7 | $1,498,800 |
| Eau Claire | 7 | $10,315,200 |
| HOLCOMBE | 6 | $695,000 |
| Stanley | 4 | $1,273,000 |
| CORNELL | 3 | $1,253,000 |
| Boyd | 2 | $1,097,500 |
CHIPPEWA FALLS accounts for 37 approvals against 13 in BLOOMER. 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.
Chippewa County
How big is Chippewa County
- Land area1,008 sq mi
- Rank by land area among Wisconsin counties13th of 72
- Width, east to west36.3 mi
- Height, north to south30.1 mi
- Geographies sharing a boundary6
- Residents per square mile of land66
- Establishments per square mile1.65
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 Chippewa 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 Chippewa County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population66,799
- Households27,139
- Average household size2.46
- Median household income$74,680
- Median age42.2
Common questions
Chippewa County questions, answered from the record.
How many people live in Chippewa County, Wisconsin?
66,799, in 27,139 households, ranking 24th of 72 Wisconsin counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Chippewa County growing?
The population has grown 1.54 percent since the 2020 census base. In 2024 there were 647 births against 672 deaths, with net migration of 399. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Chippewa County?
$74,680. The median owner-occupied home is valued at $257,900, which is 3.5 times income, and median gross rent is $963 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Chippewa County?
1,660 establishments, employing 22,890 people with an annual payroll of $1.30 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in Chippewa County?
Average annual pay is $53,189, or $1,023 a week, across 26,613 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Chippewa County?
81 7(a) approvals totalling $35.5 m since FY2020, across 18 lenders, with a median approval of $200,000, plus 52 504 approvals worth $41.6 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Chippewa County get paid back?
Of the 20 loans that have reached a final outcome, 19 were paid in full and 1 charged off, a charge off rate of 5.0 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Chippewa County?
364 housing units were authorised by permit in 2024, with a declared construction value of $100.7 m. Multifamily was 47.8 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Chippewa 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 Chippewa County come from?
The largest single origin is Chippewa County Non-migrants, with 26,474 households. Arriving households report an average income of $61,785 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 Chippewa 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 Chippewa 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.