HomeCaliforniaCalaveras County
Calaveras County, California: commercial real estate data.
Calaveras County, California has a population of 46,248 across 1,020 square miles, up 2.7 percent since the 2020 census base. County output reached $2.07 bn in 2024, 986 establishments operate here, and the SBA record carries 48 7(a) approvals worth $22.8 m.
128 sourced county values · tier FULL · 12 sections
Calaveras County
How many people live in Calaveras County
- Population46,248
- Households18,437
- Average household size2.51
- Median household income$78,647
- Median age52.0
- Median gross rent$1,625 per month
- Median owner-occupied home value$457,200
- Home value to household income5.8 times
- Annual rent as a share of median income24.8 percent
- Adults 25 and over with a bachelor degree or higher23.9 percent
- Adults 25 and over with a graduate degree7.7 percent
- Adults 25 and over35,917
- Population under 187,833
- Share under 1816.9 percent
- Population 65 and over13,517
- Share 65 and over29.2 percent
- Working age population, 18 to 6424,898
- Civilian labor force19,422
- Unemployment rate4.5 percent
- Labor force participation, adults 18 and over50.6 percent
- Rank by population among California counties44th of 58
- Rank by population among US county-equivalents1072nd
Calaveras County is the 44th largest of 58 California counties by population. A median home costs 5.8 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 29.2 percent against 16.9 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.
Calaveras County
Is Calaveras County growing
- Population change since the 2020 census base2.70 percent
- Census 2020 base population45,284
- Births, 2024341
- Deaths, 2024572
- Natural change, 2024-231
- Net domestic migration, 202467
- Net international migration, 202490
- Total net migration, 2024157
- Cumulative net domestic migration, 2021 to 20241,924
- Rank by growth among US county-equivalents950th
The county has grown 2.70 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.
Calaveras County
Where people moving to Calaveras County come from
- Tax returns filed by households arriving1,647
- People arriving, from those returns3,082
- Adjusted gross income arriving$154.7 m
- Net adjusted gross income movement$0
- Average income of an arriving household$93,950
- Largest single originCalaveras County Non-migrants (17,020 households)
- Largest single destination (17,020 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Calaveras County Non-migrants | 17,020 | 33,044 | $1.48 bn |
| San Joaquin County | 344 | 786 | $28.1 m |
| Other flows - Same State | 234 | 401 | $18.6 m |
| Other flows - Different State | 212 | 356 | $13.8 m |
| Other flows - West | 129 | 201 | $8.6 m |
| Alameda County | 120 | 244 | $18.9 m |
| Contra Costa County | 115 | 215 | $15.4 m |
| Sacramento County | 110 | 189 | $8.4 m |
The largest single source of arrivals is Calaveras 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.
Calaveras County
What the Calaveras County economy runs on
- County GDP, 2024$2.07 bn
- County GDP, 2023$1.92 bn
- GDP change, 2023 to 20247.8 percent
- GDP change over five years42.5 percent
- Rank by GDP among California counties46th
- Rank by GDP among US county-equivalents1242nd
- GDP per resident$44,852
Output grew 7.8 percent in the latest year and 42.5 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.
Calaveras County
Who employs people in Calaveras County
- Covered employment, annual average10,263
- Establishments reporting1,514
- Average annual pay$57,838
- Average weekly wage$1,112
- Sector 62, employment1,334
- Sector 62, average annual pay$50,189
- Sector 44-45, employment1,283
- Sector 44-45, average annual pay$37,156
- Sector 72, employment980
- Sector 72, average annual pay$25,502
- Sector 23, employment973
- Sector 23, average annual pay$77,087
- Sector 54, employment548
- Sector 81, employment345
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 1,334 | 511 | $50,189 |
| Sector 44-45 | 1,283 | 126 | $37,156 |
| Sector 72 | 980 | 108 | $25,502 |
| Sector 23 | 973 | 212 | $77,087 |
| Sector 54 | 548 | 73 | $93,785 |
| Sector 81 | 345 | 71 | $36,293 |
| Sector 71 | 325 | 21 | $31,757 |
| Sector 31-33 | 305 | 48 | $45,709 |
The largest sector is the biggest private employer group at 1,334 jobs, 13.0 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.
Calaveras County
What businesses operate in Calaveras County
- Establishments, all industries986
- Employment at those establishments7,149
- Annual payroll$339.1 m
- Establishments per 1,000 residents21.3
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.
Calaveras County
What is being built in Calaveras County
- Housing units authorised by permit, 202472
- Declared construction value permitted$28.5 m
- Single family units authorised72
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$395,775
- Units authorised per 1,000 households3.9
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Calaveras County
How much SBA lending happens in Calaveras County
- 7(a) approvals recorded48
- 7(a) gross approval dollars$22.8 m
- Average 7(a) approval$475,638
- Median 7(a) approval$140,000
- 10th percentile approval$13,100
- 90th percentile approval$1,660,000
- Largest single approval$2,738,000
- Jobs reported supported, 7(a)252
- Jobs per approval5.3
- Distinct 7(a) lenders active19
- Distinct industries receiving approvals37
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer35.4 percent
- Loans on real estate terms17
- Loans on working capital terms, 120 months or shorter30
- Franchise loans3
- Franchise share of approvals6.3 percent
- Leading industry by approval countResidential Remodelers (5)
- Most active lenderColumbia Bank (11)
- 504 approvals recorded13
- 504 gross approval dollars$10.9 m
- Average 504 approval$841,923
- Median 504 approval$754,000
- Distinct CDCs active7
- 504 jobs per approval3.3
- 504 jobs per million dollars approved3.9
- Most active CDCSuccess Capital Expansion & Development Corporation (4)
- 7(a) share of SBA approvals78.7 percent
- Combined SBA approval dollars$33.8 m
The average approval of $475,638 sits well above the median of $140,000, 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. 35.4 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.
Calaveras County
Do SBA loans in Calaveras County get paid back
- Loans with a final outcome recorded13
- Paid in full12
- Charged off1
- Charge off rate on resolved loans7.7 percent
- Status: Paid in full12
- Status: Exempt from disclosure27
- Status: Cancelled5
- Status: Charged off1
- Status: Committed, not yet disbursed3
Of the 13 loans that have reached a final outcome, 7.7 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.
Calaveras County
Which parts of Calaveras County get the lending
- Places in the county with recorded lending11
- Valley Springs, approvals12
- Angels Camp, approvals11
- SAN ANDREAS, approvals8
- Mokelumne Hill, approvals5
- Murphys, approvals3
- West Point, approvals3
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Valley Springs | 12 | $2,303,800 |
| Angels Camp | 11 | $7,853,300 |
| SAN ANDREAS | 8 | $5,994,500 |
| Mokelumne Hill | 5 | $916,400 |
| Murphys | 3 | $2,377,300 |
| West Point | 3 | $2,234,500 |
| COPPEROPOLIS | 2 | $449,500 |
| Stockton | 1 | $538,300 |
Valley Springs accounts for 12 approvals against 11 in Angels Camp. 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.
Calaveras County
How big is Calaveras County
- Land area1,020 sq mi
- Rank by land area among California counties40th of 58
- Width, east to west53 mi
- Height, north to south46.9 mi
- Geographies sharing a boundary5
- Residents per square mile of land45
- Establishments per square mile0.97
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.
Calaveras County
What hazards affect Calaveras County
- EPA radon zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
- Communities in the NFIP Community Status Book2
- Of those, participating in the NFIP2
- 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 Calaveras 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 Calaveras County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population46,248
- Households18,437
- Average household size2.51
- Median household income$78,647
- Median age52.0
Common questions
Calaveras County questions, answered from the record.
How many people live in Calaveras County, California?
46,248, in 18,437 households, ranking 44th of 58 California counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Calaveras County growing?
The population has grown 2.70 percent since the 2020 census base. In 2024 there were 341 births against 572 deaths, with net migration of 157. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Calaveras County?
$78,647. The median owner-occupied home is valued at $457,200, which is 5.8 times income, and median gross rent is $1,625 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Calaveras County?
986 establishments, employing 7,149 people with an annual payroll of $339.1 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 Calaveras County?
Average annual pay is $57,838, or $1,112 a week, across 10,263 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Calaveras County?
48 7(a) approvals totalling $22.8 m since FY2020, across 19 lenders, with a median approval of $140,000, plus 13 504 approvals worth $10.9 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Calaveras County get paid back?
Of the 13 loans that have reached a final outcome, 12 were paid in full and 1 charged off, a charge off rate of 7.7 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Calaveras County?
72 housing units were authorised by permit in 2024, with a declared construction value of $28.5 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Calaveras 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 Calaveras County come from?
The largest single origin is Calaveras County Non-migrants, with 17,020 households. Arriving households report an average income of $93,950 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 Calaveras 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 Calaveras 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.