Oneida County, Wisconsin: commercial real estate data.
Oneida County, Wisconsin has a population of 38,167 across 1,113 square miles, up 0.9 percent since the 2020 census base. County output reached $2.43 bn in 2024, 1,387 establishments operate here, and the SBA record carries 36 7(a) approvals worth $17.6 m.
121 sourced county values · tier FULL · 11 sections
Oneida County
How many people live in Oneida County
- Population38,167
- Households17,493
- Average household size2.18
- Median household income$69,371
- Median age52.7
- Median gross rent$885 per month
- Median owner-occupied home value$238,400
- Home value to household income3.4 times
- Annual rent as a share of median income15.3 percent
- Adults 25 and over with a bachelor degree or higher28.8 percent
- Adults 25 and over with a graduate degree10.4 percent
- Adults 25 and over29,646
- Population under 186,376
- Share under 1816.7 percent
- Population 65 and over10,800
- Share 65 and over28.3 percent
- Working age population, 18 to 6420,991
- Civilian labor force17,811
- Unemployment rate2.0 percent
- Labor force participation, adults 18 and over56.0 percent
- Rank by population among Wisconsin counties39th of 72
- Rank by population among US county-equivalents1247th
Oneida County is the 39th 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 28.3 percent against 16.7 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.
Oneida County
Is Oneida County growing
- Population change since the 2020 census base0.87 percent
- Census 2020 base population37,847
- Births, 2024244
- Deaths, 2024556
- Natural change, 2024-312
- Net domestic migration, 2024260
- Net international migration, 202440
- Total net migration, 2024300
- Cumulative net domestic migration, 2021 to 20241,449
- Rank by growth among US county-equivalents1526th
The county has grown 0.87 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.
Oneida County
Where people moving to Oneida County come from
- Tax returns filed by households arriving1,183
- People arriving, from those returns1,992
- Adjusted gross income arriving$103.9 m
- Net adjusted gross income movement$0
- Average income of an arriving household$87,844
- Largest single originOneida County Non-migrants (16,596 households)
- Largest single destination (16,596 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Oneida County Non-migrants | 16,596 | 30,970 | $1.38 bn |
| Other flows - Different State | 352 | 604 | $30.1 m |
| Other flows - Same State | 283 | 476 | $25.7 m |
| Vilas County | 179 | 288 | $11.3 m |
| Other flows - Midwest | 177 | 302 | $16.0 m |
| Other flows - West | 88 | 158 | $7.4 m |
| Other flows - South | 87 | 144 | $6.6 m |
| Marathon County | 80 | 137 | $7.7 m |
The largest single source of arrivals is Oneida 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.
Oneida County
What the Oneida County economy runs on
- County GDP, 2024$2.43 bn
- County GDP, 2023$2.33 bn
- GDP change, 2023 to 20244.4 percent
- GDP change over five years31.7 percent
- Rank by GDP among Wisconsin counties33rd
- Rank by GDP among US county-equivalents1121st
- GDP per resident$63,710
Output grew 4.4 percent in the latest year and 31.7 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.
Oneida County
Who employs people in Oneida County
- Covered employment, annual average16,637
- Establishments reporting1,496
- Average annual pay$53,857
- Average weekly wage$1,036
- Sector 62, employment3,060
- Sector 62, average annual pay$78,825
- Sector 44-45, employment3,032
- Sector 44-45, average annual pay$34,957
- Sector 72, employment2,090
- Sector 72, average annual pay$23,423
- Sector 31-33, employment1,594
- Sector 31-33, average annual pay$66,271
- Sector 23, employment913
- Sector 81, employment581
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 3,060 | 224 | $78,825 |
| Sector 44-45 | 3,032 | 208 | $34,957 |
| Sector 72 | 2,090 | 203 | $23,423 |
| Sector 31-33 | 1,594 | 49 | $66,271 |
| Sector 23 | 913 | 202 | $64,458 |
| Sector 81 | 581 | 100 | $38,675 |
| Sector 56 | 446 | 68 | $39,932 |
| Sector 52 | 331 | 59 | $82,818 |
The largest sector is the biggest private employer group at 3,060 jobs, 18.4 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.
Oneida County
What businesses operate in Oneida County
- Establishments, all industries1,387
- Employment at those establishments13,728
- Annual payroll$683.4 m
- Establishments per 1,000 residents36.3
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.
Oneida County
What is being built in Oneida County
- Housing units authorised by permit, 2024293
- Declared construction value permitted$125.5 m
- Single family units authorised293
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$428,191
- Units authorised per 1,000 households16.7
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Oneida County
How much SBA lending happens in Oneida County
- 7(a) approvals recorded36
- 7(a) gross approval dollars$17.6 m
- Average 7(a) approval$488,289
- Median 7(a) approval$287,800
- 10th percentile approval$29,200
- 90th percentile approval$1,260,000
- Largest single approval$2,378,000
- Jobs reported supported, 7(a)332
- Jobs per approval9.2
- Distinct 7(a) lenders active17
- Distinct industries receiving approvals21
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer30.6 percent
- Loans on real estate terms11
- Loans on working capital terms, 120 months or shorter23
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countFull-Service Restaurants (6)
- Most active lenderNicolet National Bank (8)
- 504 approvals recorded25
- 504 gross approval dollars$18.9 m
- Average 504 approval$757,360
- Median 504 approval$459,000
- Distinct CDCs active2
- 504 jobs per approval6.0
- 504 jobs per million dollars approved8.0
- Most active CDCWBD, Inc. (24)
- 7(a) share of SBA approvals59.0 percent
- Combined SBA approval dollars$36.5 m
The average approval of $488,289 sits well above the median of $287,800, 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. 30.6 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.
Oneida County
Do SBA loans in Oneida County get paid back
- Loans with a final outcome recorded7
- Paid in full7
- Charged off0
- Status: Paid in full7
- Status: Exempt from disclosure25
- Status: Cancelled3
- Status: Committed, not yet disbursed1
Too few loans have reached a final outcome to publish a charge off rate. only 7 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.
Oneida County
Which parts of Oneida County get the lending
- Places in the county with recorded lending6
- Rhinelander, approvals14
- MINOCQUA, approvals13
- Three Lakes, approvals6
- Saint Germain, approvals1
- WOODRUFF, approvals1
- MARINETTE, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Rhinelander | 14 | $5,105,700 |
| MINOCQUA | 13 | $9,425,500 |
| Three Lakes | 6 | $1,432,200 |
| Saint Germain | 1 | $1,255,000 |
| WOODRUFF | 1 | $10,000 |
| MARINETTE | 1 | $350,000 |
Rhinelander accounts for 14 approvals against 13 in MINOCQUA. 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.
Oneida County
How big is Oneida County
- Land area1,113 sq mi
- Rank by land area among Wisconsin counties10th of 72
- Width, east to west48.2 mi
- Height, north to south30.2 mi
- Geographies sharing a boundary5
- Residents per square mile of land34
- Establishments per square mile1.25
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 Oneida 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 Oneida County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population38,167
- Households17,493
- Average household size2.18
- Median household income$69,371
- Median age52.7
Common questions
Oneida County questions, answered from the record.
How many people live in Oneida County, Wisconsin?
38,167, in 17,493 households, ranking 39th of 72 Wisconsin counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Oneida County growing?
The population has grown 0.87 percent since the 2020 census base. In 2024 there were 244 births against 556 deaths, with net migration of 300. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Oneida County?
$69,371. The median owner-occupied home is valued at $238,400, which is 3.4 times income, and median gross rent is $885 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Oneida County?
1,387 establishments, employing 13,728 people with an annual payroll of $683.4 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 Oneida County?
Average annual pay is $53,857, or $1,036 a week, across 16,637 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Oneida County?
36 7(a) approvals totalling $17.6 m since FY2020, across 17 lenders, with a median approval of $287,800, plus 25 504 approvals worth $18.9 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Oneida County?
293 housing units were authorised by permit in 2024, with a declared construction value of $125.5 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Oneida 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 Oneida County come from?
The largest single origin is Oneida County Non-migrants, with 16,596 households. Arriving households report an average income of $87,844 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 Oneida 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 Oneida 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.