Ozaukee County, Wisconsin: commercial real estate data.
Ozaukee County, Wisconsin has a population of 92,966 across 233 square miles, up 2.7 percent since the 2020 census base. County output reached $7.07 bn in 2024, 2,832 establishments operate here, and the SBA record carries 153 7(a) approvals worth $91.1 m.
123 sourced county values · tier FULL · 11 sections
Ozaukee County
How many people live in Ozaukee County
- Population92,966
- Households38,309
- Average household size2.43
- Median household income$96,996
- Median age43.9
- Median gross rent$1,154 per month
- Median owner-occupied home value$390,200
- Home value to household income4.0 times
- Annual rent as a share of median income14.3 percent
- Adults 25 and over with a bachelor degree or higher51.2 percent
- Adults 25 and over with a graduate degree19.0 percent
- Adults 25 and over65,716
- Population under 1819,455
- Share under 1820.9 percent
- Population 65 and over20,105
- Share 65 and over21.6 percent
- Working age population, 18 to 6453,406
- Civilian labor force49,963
- Unemployment rate2.8 percent
- Labor force participation, adults 18 and over68.0 percent
- Rank by population among Wisconsin counties18th of 72
- Rank by population among US county-equivalents656th
Ozaukee County is the 18th largest of 72 Wisconsin counties by population. A median home costs 4.0 times median household income, which is an affordable ownership market by national standards. Residents 65 and over outnumber those under 18, at 21.6 percent against 20.9 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.
Ozaukee County
Is Ozaukee County growing
- Population change since the 2020 census base2.68 percent
- Census 2020 base population91,506
- Births, 2024821
- Deaths, 2024810
- Natural change, 202411
- Net domestic migration, 2024173
- Net international migration, 2024253
- Total net migration, 2024426
- Cumulative net domestic migration, 2021 to 20241,946
- Rank by growth among US county-equivalents957th
The county has grown 2.68 percent since the 2020 census base. Migration contributed more to 2024 change than births over deaths, so demand here follows people arriving rather than families forming.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Ozaukee County
Where people moving to Ozaukee County come from
- Tax returns filed by households arriving2,748
- People arriving, from those returns4,779
- Adjusted gross income arriving$401.6 m
- Net adjusted gross income movement$0
- Average income of an arriving household$146,125
- Largest single originOzaukee County Non-migrants (37,613 households)
- Largest single destination (37,613 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Ozaukee County Non-migrants | 37,613 | 78,913 | $6.02 bn |
| Milwaukee County | 985 | 1,679 | $140.1 m |
| Other flows - Different State | 645 | 1,174 | $101.5 m |
| Washington County | 324 | 561 | $29.0 m |
| Other flows - Same State | 215 | 363 | $16.0 m |
| Other flows - Midwest | 211 | 366 | $31.0 m |
| Other flows - South | 201 | 381 | $25.5 m |
| Other flows - West | 179 | 323 | $28.7 m |
The largest single source of arrivals is Ozaukee 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.
Ozaukee County
What the Ozaukee County economy runs on
- County GDP, 2024$7.07 bn
- County GDP, 2023$6.93 bn
- GDP change, 2023 to 20242.0 percent
- GDP change over five years29.5 percent
- Rank by GDP among Wisconsin counties15th
- Rank by GDP among US county-equivalents580th
- GDP per resident$76,087
Output grew 2.0 percent in the latest year and 29.5 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.
Ozaukee County
Who employs people in Ozaukee County
- Covered employment, annual average41,266
- Establishments reporting3,167
- Average annual pay$58,909
- Average weekly wage$1,133
- Sector 31-33, employment8,036
- Sector 31-33, average annual pay$74,408
- Sector 62, employment6,914
- Sector 62, average annual pay$61,978
- Sector 44-45, employment4,595
- Sector 44-45, average annual pay$34,751
- Sector 72, employment3,956
- Sector 72, average annual pay$21,130
- Sector 54, employment2,430
- Sector 56, employment1,736
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 8,036 | 195 | $74,408 |
| Sector 62 | 6,914 | 537 | $61,978 |
| Sector 44-45 | 4,595 | 257 | $34,751 |
| Sector 72 | 3,956 | 223 | $21,130 |
| Sector 54 | 2,430 | 386 | $76,489 |
| Sector 56 | 1,736 | 206 | $45,700 |
| Sector 61 | 1,617 | 42 | $32,919 |
| Sector 42 | 1,445 | 224 | $93,885 |
The largest sector is the biggest private employer group at 8,036 jobs, 19.5 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.
Ozaukee County
What businesses operate in Ozaukee County
- Establishments, all industries2,832
- Employment at those establishments39,792
- Annual payroll$2.30 bn
- Establishments per 1,000 residents30.5
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.
Ozaukee County
What is being built in Ozaukee County
- Housing units authorised by permit, 2024689
- Declared construction value permitted$175.8 m
- Single family units authorised238
- Multifamily units authorised451
- Multifamily share of units65.5 percent
- Average declared value per unit$255,133
- Units authorised per 1,000 households18.0
Multifamily is 65.5 percent of units authorised, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Ozaukee County
How much SBA lending happens in Ozaukee County
- 7(a) approvals recorded153
- 7(a) gross approval dollars$91.1 m
- Average 7(a) approval$595,620
- Median 7(a) approval$250,000
- 10th percentile approval$40,000
- 90th percentile approval$1,490,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)1,985
- Jobs per approval13.0
- Distinct 7(a) lenders active47
- Distinct industries receiving approvals89
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer12.4 percent
- Loans on real estate terms19
- Loans on working capital terms, 120 months or shorter127
- Franchise loans29
- Franchise share of approvals19.0 percent
- Leading industry by approval countResidential Remodelers (12)
- Most active lenderU.S. Bank, National Association (22)
- 504 approvals recorded72
- 504 gross approval dollars$61.8 m
- Average 504 approval$857,819
- Median 504 approval$504,000
- Distinct CDCs active2
- 504 jobs per approval8.1
- 504 jobs per million dollars approved9.5
- Most active CDCWBD, Inc. (69)
- 7(a) share of SBA approvals68.0 percent
- Combined SBA approval dollars$152.9 m
The average approval of $595,620 sits well above the median of $250,000, 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 12.4 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.
Ozaukee County
Do SBA loans in Ozaukee County get paid back
- Loans with a final outcome recorded32
- Paid in full29
- Charged off3
- Charge off rate on resolved loans9.4 percent
- Status: Paid in full29
- Status: Exempt from disclosure94
- Status: Cancelled18
- Status: Charged off3
- Status: Committed, not yet disbursed9
Of the 32 loans that have reached a final outcome, 9.4 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.
Ozaukee County
Which parts of Ozaukee County get the lending
- Places in the county with recorded lending11
- MEQUON, approvals58
- CEDARBURG, approvals32
- Grafton, approvals28
- Port Washington, approvals10
- Thiensville, approvals9
- BELGIUM, approvals6
| Place | Approvals | Gross approval dollars |
|---|---|---|
| MEQUON | 58 | $39,964,300 |
| CEDARBURG | 32 | $8,851,400 |
| Grafton | 28 | $17,148,500 |
| Port Washington | 10 | $8,484,800 |
| Thiensville | 9 | $3,836,300 |
| BELGIUM | 6 | $7,577,900 |
| FREDONIA | 5 | $2,780,000 |
| SAUKVILLE | 2 | $1,703,000 |
MEQUON accounts for 58 approvals against 32 in CEDARBURG. 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.
Ozaukee County
How big is Ozaukee County
- Land area233 sq mi
- Rank by land area among Wisconsin counties71st of 72
- Width, east to west13.6 mi
- Height, north to south24.2 mi
- Geographies sharing a boundary3
- Residents per square mile of land399
- Establishments per square mile12.15
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 Ozaukee 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 Ozaukee County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population92,966
- Households38,309
- Average household size2.43
- Median household income$96,996
- Median age43.9
Common questions
Ozaukee County questions, answered from the record.
How many people live in Ozaukee County, Wisconsin?
92,966, in 38,309 households, ranking 18th of 72 Wisconsin counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Ozaukee County growing?
The population has grown 2.68 percent since the 2020 census base. In 2024 there were 821 births against 810 deaths, with net migration of 426. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Ozaukee County?
$96,996. The median owner-occupied home is valued at $390,200, which is 4.0 times income, and median gross rent is $1,154 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Ozaukee County?
2,832 establishments, employing 39,792 people with an annual payroll of $2.30 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 Ozaukee County?
Average annual pay is $58,909, or $1,133 a week, across 41,266 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Ozaukee County?
153 7(a) approvals totalling $91.1 m since FY2020, across 47 lenders, with a median approval of $250,000, plus 72 504 approvals worth $61.8 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Ozaukee County get paid back?
Of the 32 loans that have reached a final outcome, 29 were paid in full and 3 charged off, a charge off rate of 9.4 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Ozaukee County?
689 housing units were authorised by permit in 2024, with a declared construction value of $175.8 m. Multifamily was 65.5 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Ozaukee 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 Ozaukee County come from?
The largest single origin is Ozaukee County Non-migrants, with 37,613 households. Arriving households report an average income of $146,125 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 Ozaukee 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 Ozaukee 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.