Polk County, Wisconsin: commercial real estate data.
Polk County, Wisconsin has a population of 45,555 across 914 square miles, up 1.9 percent since the 2020 census base. County output reached $2.19 bn in 2024, 1,163 establishments operate here, and the SBA record carries 89 7(a) approvals worth $54.2 m.
123 sourced county values · tier FULL · 11 sections
Polk County
How many people live in Polk County
- Population45,555
- Households19,542
- Average household size2.33
- Median household income$77,219
- Median age46.7
- Median gross rent$957 per month
- Median owner-occupied home value$271,900
- Home value to household income3.5 times
- Annual rent as a share of median income14.9 percent
- Adults 25 and over with a bachelor degree or higher24.3 percent
- Adults 25 and over with a graduate degree7.1 percent
- Adults 25 and over33,560
- Population under 189,058
- Share under 1819.9 percent
- Population 65 and over10,305
- Share 65 and over22.6 percent
- Working age population, 18 to 6426,192
- Civilian labor force23,065
- Unemployment rate3.4 percent
- Labor force participation, adults 18 and over63.2 percent
- Rank by population among Wisconsin counties32nd of 72
- Rank by population among US county-equivalents1088th
Polk County is the 32nd 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 65 and over outnumber those under 18, at 22.6 percent against 19.9 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.
Polk County
Is Polk County growing
- Population change since the 2020 census base1.92 percent
- Census 2020 base population44,969
- Births, 2024414
- Deaths, 2024565
- Natural change, 2024-151
- Net domestic migration, 2024116
- Net international migration, 202423
- Total net migration, 2024139
- Cumulative net domestic migration, 2021 to 20241,324
- Rank by growth among US county-equivalents1191st
The county has grown 1.92 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.
Polk County
Where people moving to Polk County come from
- Tax returns filed by households arriving1,352
- People arriving, from those returns2,412
- Adjusted gross income arriving$108.3 m
- Net adjusted gross income movement$0
- Average income of an arriving household$80,123
- Largest single originPolk County Non-migrants (18,493 households)
- Largest single destination (18,493 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Polk County Non-migrants | 18,493 | 36,673 | $1.39 bn |
| Other flows - Different State | 328 | 615 | $23.0 m |
| St. Croix County | 218 | 428 | $25.5 m |
| Other flows - Midwest | 162 | 291 | $10.1 m |
| Other flows - Same State | 130 | 224 | $7.4 m |
| Washington County | 109 | 195 | $10.2 m |
| Barron County | 109 | 174 | $6.2 m |
| Other flows - West | 97 | 185 | $7.9 m |
The largest single source of arrivals is Polk 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.
Polk County
What the Polk County economy runs on
- County GDP, 2024$2.19 bn
- County GDP, 2023$2.12 bn
- GDP change, 2023 to 20242.9 percent
- GDP change over five years30.0 percent
- Rank by GDP among Wisconsin counties37th
- Rank by GDP among US county-equivalents1206th
- GDP per resident$47,965
Output grew 2.9 percent in the latest year and 30.0 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.
Polk County
Who employs people in Polk County
- Covered employment, annual average16,162
- Establishments reporting1,311
- Average annual pay$47,798
- Average weekly wage$919
- Sector 31-33, employment3,850
- Sector 31-33, average annual pay$58,419
- Sector 62, employment2,675
- Sector 62, average annual pay$56,497
- Sector 44-45, employment2,132
- Sector 44-45, average annual pay$32,076
- Sector 72, employment1,259
- Sector 72, average annual pay$17,213
- Sector 23, employment632
- Sector 56, employment578
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 3,850 | 104 | $58,419 |
| Sector 62 | 2,675 | 174 | $56,497 |
| Sector 44-45 | 2,132 | 146 | $32,076 |
| Sector 72 | 1,259 | 130 | $17,213 |
| Sector 23 | 632 | 155 | $60,914 |
| Sector 56 | 578 | 75 | $31,963 |
| Sector 42 | 330 | 48 | $57,651 |
| Sector 81 | 298 | 73 | $40,307 |
The largest sector is the biggest private employer group at 3,850 jobs, 23.8 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.
Polk County
What businesses operate in Polk County
- Establishments, all industries1,163
- Employment at those establishments14,018
- Annual payroll$710.0 m
- Establishments per 1,000 residents25.5
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.
Polk County
What is being built in Polk County
- Housing units authorised by permit, 2024247
- Declared construction value permitted$48.4 m
- Single family units authorised235
- Multifamily units authorised12
- Multifamily share of units4.9 percent
- Average declared value per unit$195,954
- Units authorised per 1,000 households12.6
Multifamily is 4.9 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Polk County
How much SBA lending happens in Polk County
- 7(a) approvals recorded89
- 7(a) gross approval dollars$54.2 m
- Average 7(a) approval$608,648
- Median 7(a) approval$232,200
- 10th percentile approval$50,000
- 90th percentile approval$1,438,300
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)853
- Jobs per approval9.6
- Distinct 7(a) lenders active23
- Distinct industries receiving approvals53
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer24.7 percent
- Loans on real estate terms22
- Loans on working capital terms, 120 months or shorter58
- Franchise loans2
- Franchise share of approvals2.2 percent
- Leading industry by approval countSeptic Tank and Related Services (9)
- Most active lenderHiawatha National Bank (21)
- 504 approvals recorded40
- 504 gross approval dollars$19.3 m
- Average 504 approval$481,575
- Median 504 approval$315,000
- Distinct CDCs active4
- 504 jobs per approval11.1
- 504 jobs per million dollars approved23.0
- Most active CDCWBD, Inc. (25)
- 7(a) share of SBA approvals69.0 percent
- Combined SBA approval dollars$73.4 m
The average approval of $608,648 sits well above the median of $232,200, 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 24.7 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.
Polk County
Do SBA loans in Polk County get paid back
- Loans with a final outcome recorded18
- Paid in full17
- Charged off1
- Charge off rate on resolved loans5.6 percent
- Status: Paid in full17
- Status: Exempt from disclosure60
- Status: Cancelled9
- Status: Charged off1
- Status: Committed, not yet disbursed2
Of the 18 loans that have reached a final outcome, 5.6 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.
Polk County
Which parts of Polk County get the lending
- Places in the county with recorded lending15
- OSCEOLA, approvals24
- SAINT CROIX FALLS, approvals13
- Amery, approvals11
- LUCK, approvals8
- Centuria, approvals6
- FREDERIC, approvals5
| Place | Approvals | Gross approval dollars |
|---|---|---|
| OSCEOLA | 24 | $12,488,500 |
| SAINT CROIX FALLS | 13 | $7,879,200 |
| Amery | 11 | $4,612,600 |
| LUCK | 8 | $2,669,500 |
| Centuria | 6 | $6,361,100 |
| FREDERIC | 5 | $7,274,200 |
| DRESSER | 4 | $878,900 |
| Clear Lake | 4 | $499,000 |
OSCEOLA accounts for 24 approvals against 13 in SAINT CROIX FALLS. 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.
Polk County
How big is Polk County
- Land area914 sq mi
- Rank by land area among Wisconsin counties17th of 72
- Width, east to west35.6 mi
- Height, north to south35.8 mi
- Geographies sharing a boundary3
- Residents per square mile of land50
- Establishments per square mile1.27
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 Polk 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 Polk County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population45,555
- Households19,542
- Average household size2.33
- Median household income$77,219
- Median age46.7
Common questions
Polk County questions, answered from the record.
How many people live in Polk County, Wisconsin?
45,555, in 19,542 households, ranking 32nd of 72 Wisconsin counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Polk County growing?
The population has grown 1.92 percent since the 2020 census base. In 2024 there were 414 births against 565 deaths, with net migration of 139. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Polk County?
$77,219. The median owner-occupied home is valued at $271,900, which is 3.5 times income, and median gross rent is $957 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Polk County?
1,163 establishments, employing 14,018 people with an annual payroll of $710.0 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 Polk County?
Average annual pay is $47,798, or $919 a week, across 16,162 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Polk County?
89 7(a) approvals totalling $54.2 m since FY2020, across 23 lenders, with a median approval of $232,200, plus 40 504 approvals worth $19.3 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Polk County get paid back?
Of the 18 loans that have reached a final outcome, 17 were paid in full and 1 charged off, a charge off rate of 5.6 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Polk County?
247 housing units were authorised by permit in 2024, with a declared construction value of $48.4 m. Multifamily was 4.9 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Polk 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 Polk County come from?
The largest single origin is Polk County Non-migrants, with 18,493 households. Arriving households report an average income of $80,123 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 Polk 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 Polk 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.