HomeCaliforniaAmador County
Amador County, California: commercial real estate data.
Amador County, California has a population of 41,428 across 595 square miles, up 3.8 percent since the 2020 census base. County output reached $2.11 bn in 2024, 868 establishments operate here, and the SBA record carries 33 7(a) approvals worth $39.7 m.
126 sourced county values · tier FULL · 12 sections
Amador County
How many people live in Amador County
- Population41,428
- Households16,091
- Average household size2.57
- Median household income$88,044
- Median age49.7
- Median gross rent$1,421 per month
- Median owner-occupied home value$449,800
- Home value to household income5.1 times
- Annual rent as a share of median income19.4 percent
- Adults 25 and over with a bachelor degree or higher22.4 percent
- Adults 25 and over with a graduate degree7.2 percent
- Adults 25 and over32,875
- Population under 186,389
- Share under 1815.4 percent
- Population 65 and over11,423
- Share 65 and over27.6 percent
- Working age population, 18 to 6423,616
- Civilian labor force17,257
- Unemployment rate5.4 percent
- Labor force participation, adults 18 and over49.3 percent
- Rank by population among California counties46th of 58
- Rank by population among US county-equivalents1179th
Amador County is the 46th largest of 58 California counties by population. A median home costs 5.1 times median household income, which is a stretched ownership market and usually shows up as rental demand. Residents 65 and over outnumber those under 18, at 27.6 percent against 15.4 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.
Amador County
Is Amador County growing
- Population change since the 2020 census base3.78 percent
- Census 2020 base population40,497
- Births, 2024308
- Deaths, 2024533
- Natural change, 2024-225
- Net domestic migration, 2024387
- Net international migration, 202465
- Total net migration, 2024452
- Cumulative net domestic migration, 2021 to 20242,225
- Rank by growth among US county-equivalents729th
The county has grown 3.78 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.
Amador County
Where people moving to Amador County come from
- Tax returns filed by households arriving1,480
- People arriving, from those returns2,530
- Adjusted gross income arriving$121.7 m
- Net adjusted gross income movement$0
- Average income of an arriving household$82,257
- Largest single originAmador County Non-migrants (14,897 households)
- Largest single destination (14,897 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Amador County Non-migrants | 14,897 | 28,200 | $1.25 bn |
| Sacramento County | 351 | 657 | $31.5 m |
| Other flows - Same State | 320 | 496 | $20.4 m |
| Other flows - Different State | 179 | 299 | $14.0 m |
| San Joaquin County | 130 | 234 | $7.5 m |
| El Dorado County | 116 | 205 | $9.9 m |
| Other flows - West | 113 | 198 | $9.1 m |
| Calaveras County | 99 | 174 | $5.7 m |
The largest single source of arrivals is Amador 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.
Amador County
What the Amador County economy runs on
- County GDP, 2024$2.11 bn
- County GDP, 2023$2.08 bn
- GDP change, 2023 to 20241.7 percent
- GDP change over five years24.4 percent
- Rank by GDP among California counties45th
- Rank by GDP among US county-equivalents1228th
- GDP per resident$50,988
Output grew 1.7 percent in the latest year and 24.4 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.
Amador County
Who employs people in Amador County
- Covered employment, annual average12,492
- Establishments reporting1,348
- Average annual pay$58,581
- Average weekly wage$1,127
- Sector 62, employment1,634
- Sector 62, average annual pay$66,480
- Sector 44-45, employment1,436
- Sector 44-45, average annual pay$36,770
- Sector 72, employment1,121
- Sector 72, average annual pay$26,950
- Sector 31-33, employment770
- Sector 31-33, average annual pay$52,694
- Sector 23, employment497
- Sector 81, employment327
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 1,634 | 415 | $66,480 |
| Sector 44-45 | 1,436 | 122 | $36,770 |
| Sector 72 | 1,121 | 102 | $26,950 |
| Sector 31-33 | 770 | 69 | $52,694 |
| Sector 23 | 497 | 106 | $61,614 |
| Sector 81 | 327 | 73 | $49,086 |
| Sector 52 | 191 | 42 | $73,505 |
| Sector 51 | 156 | 13 | $74,844 |
The largest sector is the biggest private employer group at 1,634 jobs, 13.1 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.
Amador County
What businesses operate in Amador County
- Establishments, all industries868
- Employment at those establishments7,776
- Annual payroll$398.1 m
- Establishments per 1,000 residents21.0
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.
Amador County
What is being built in Amador County
- Housing units authorised by permit, 202457
- Declared construction value permitted$16.9 m
- Single family units authorised57
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$297,095
- Units authorised per 1,000 households3.5
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Amador County
How much SBA lending happens in Amador County
- 7(a) approvals recorded33
- 7(a) gross approval dollars$39.7 m
- Average 7(a) approval$1,204,461
- Median 7(a) approval$562,500
- 10th percentile approval$50,000
- 90th percentile approval$3,310,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)389
- Jobs per approval11.8
- Distinct 7(a) lenders active20
- Distinct industries receiving approvals25
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer45.5 percent
- Loans on real estate terms15
- Loans on working capital terms, 120 months or shorter17
- Franchise loans7
- Franchise share of approvals21.2 percent
- Leading industry by approval countHotels (except Casino Hotels) and Motels (3)
- Most active lenderU.S. Bank, National Association (4)
- 504 approvals recorded18
- 504 gross approval dollars$5.9 m
- Average 504 approval$326,944
- Median 504 approval$270,000
- Distinct CDCs active6
- 504 jobs per approval5.4
- 504 jobs per million dollars approved16.5
- Most active CDCGreater Sacramento Certified Development Corporation (6)
- 7(a) share of SBA approvals64.7 percent
- Combined SBA approval dollars$45.6 m
The average approval of $1,204,461 sits well above the median of $562,500, 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. 45.5 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.
Amador County
Do SBA loans in Amador County get paid back
- Loans with a final outcome recorded3
- Paid in full3
- Charged off0
- Status: Cancelled5
- Status: Exempt from disclosure24
- Status: Paid in full3
- Status: Committed, not yet disbursed1
Too few loans have reached a final outcome to publish a charge off rate. only 3 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.
Amador County
Which parts of Amador County get the lending
- Places in the county with recorded lending8
- JACKSON, approvals12
- SUTTER CREEK, approvals5
- IONE, approvals5
- Pine Grove, approvals3
- PLYMOUTH, approvals3
- PIONEER, approvals2
| Place | Approvals | Gross approval dollars |
|---|---|---|
| JACKSON | 12 | $17,395,200 |
| SUTTER CREEK | 5 | $10,442,300 |
| IONE | 5 | $2,494,700 |
| Pine Grove | 3 | $1,762,500 |
| PLYMOUTH | 3 | $4,140,000 |
| PIONEER | 2 | $1,900,000 |
| VOLCANO | 2 | $1,050,000 |
| Amador City | 1 | $562,500 |
JACKSON accounts for 12 approvals against 5 in SUTTER CREEK. 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.
Amador County
How big is Amador County
- Land area595 sq mi
- Rank by land area among California counties54th of 58
- Width, east to west51.7 mi
- Height, north to south33.7 mi
- Geographies sharing a boundary5
- Residents per square mile of land70
- Establishments per square mile1.46
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.
Amador County
What hazards affect Amador County
- EPA radon zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
- Communities in the NFIP Community Status Book5
- Of those, participating in the NFIP5
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
The EPA places the county in radon zone 2, a predicted average indoor radon screening level from 2 to 4 pCi/L.
US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001. FEMA OpenFEMA, NFIP Community Status Book, Community Status Book, as retrieved.
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.
- 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 Amador 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 Amador County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population41,428
- Households16,091
- Average household size2.57
- Median household income$88,044
- Median age49.7
Common questions
Amador County questions, answered from the record.
How many people live in Amador County, California?
41,428, in 16,091 households, ranking 46th of 58 California counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Amador County growing?
The population has grown 3.78 percent since the 2020 census base. In 2024 there were 308 births against 533 deaths, with net migration of 452. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Amador County?
$88,044. The median owner-occupied home is valued at $449,800, which is 5.1 times income, and median gross rent is $1,421 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Amador County?
868 establishments, employing 7,776 people with an annual payroll of $398.1 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 Amador County?
Average annual pay is $58,581, or $1,127 a week, across 12,492 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Amador County?
33 7(a) approvals totalling $39.7 m since FY2020, across 20 lenders, with a median approval of $562,500, plus 18 504 approvals worth $5.9 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Amador County?
57 housing units were authorised by permit in 2024, with a declared construction value of $16.9 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Amador 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 Amador County come from?
The largest single origin is Amador County Non-migrants, with 14,897 households. Arriving households report an average income of $82,257 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 Amador 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 Amador 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.