HomeCaliforniaMadera County
Madera County, California: commercial real estate data.
Madera County, California has a population of 160,940 across 2,137 square miles, up 5.9 percent since the 2020 census base. County output reached $8.85 bn in 2024, 2,366 establishments operate here, and the SBA record carries 101 7(a) approvals worth $107.8 m.
127 sourced county values · tier FULL · 12 sections
Madera County
How many people live in Madera County
- Population160,940
- Households45,379
- Average household size3.55
- Median household income$76,627
- Median age34.6
- Median gross rent$1,390 per month
- Median owner-occupied home value$393,200
- Home value to household income5.1 times
- Annual rent as a share of median income21.8 percent
- Adults 25 and over with a bachelor degree or higher17.9 percent
- Adults 25 and over with a graduate degree6.2 percent
- Adults 25 and over101,462
- Population under 1843,672
- Share under 1827.1 percent
- Population 65 and over23,148
- Share 65 and over14.4 percent
- Working age population, 18 to 6494,120
- Civilian labor force69,012
- Unemployment rate10.1 percent
- Labor force participation, adults 18 and over58.8 percent
- Rank by population among California counties32nd of 58
- Rank by population among US county-equivalents429th
Madera County is the 32nd 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 under 18 outnumber those 65 and over, at 27.1 percent against 14.4 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Madera County
Is Madera County growing
- Population change since the 2020 census base5.87 percent
- Census 2020 base population156,254
- Births, 20242,070
- Deaths, 20241,338
- Natural change, 2024732
- Net domestic migration, 2024704
- Net international migration, 2024592
- Total net migration, 20241,296
- Cumulative net domestic migration, 2021 to 20245,119
- Rank by growth among US county-equivalents425th
The county has grown 5.87 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.
Madera County
Where people moving to Madera County come from
- Tax returns filed by households arriving3,592
- People arriving, from those returns7,058
- Adjusted gross income arriving$234.2 m
- Net adjusted gross income movement$0
- Average income of an arriving household$65,197
- Largest single originMadera County Non-migrants (53,363 households)
- Largest single destination (53,363 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Madera County Non-migrants | 53,363 | 119,454 | $3.45 bn |
| Fresno County | 1,523 | 3,119 | $111.3 m |
| Other flows - Different State | 475 | 874 | $26.9 m |
| Merced County | 217 | 453 | $11.4 m |
| Other flows - West | 217 | 411 | $11.7 m |
| Santa Clara County | 161 | 323 | $14.0 m |
| Other flows - Same State | 155 | 243 | $8.7 m |
| Other flows - South | 151 | 276 | $9.0 m |
The largest single source of arrivals is Madera 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.
Madera County
What the Madera County economy runs on
- County GDP, 2024$8.85 bn
- County GDP, 2023$8.08 bn
- GDP change, 2023 to 20249.5 percent
- GDP change over five years36.7 percent
- Rank by GDP among California counties34th
- Rank by GDP among US county-equivalents490th
- GDP per resident$54,966
Output grew 9.5 percent in the latest year and 36.7 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.
Madera County
Who employs people in Madera County
- Covered employment, annual average56,858
- Establishments reporting5,638
- Average annual pay$56,070
- Average weekly wage$1,078
- Sector 11, employment12,608
- Sector 11, average annual pay$39,867
- Sector 62, employment9,321
- Sector 62, average annual pay$66,768
- Sector 44-45, employment4,127
- Sector 44-45, average annual pay$40,151
- Sector 72, employment3,738
- Sector 72, average annual pay$29,104
- Sector 31-33, employment3,437
- Sector 23, employment2,324
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 11 | 12,608 | 424 | $39,867 |
| Sector 62 | 9,321 | 2,892 | $66,768 |
| Sector 44-45 | 4,127 | 331 | $40,151 |
| Sector 72 | 3,738 | 252 | $29,104 |
| Sector 31-33 | 3,437 | 109 | $76,270 |
| Sector 23 | 2,324 | 314 | $67,470 |
| Sector 56 | 1,928 | 138 | $68,183 |
| Sector 42 | 1,173 | 98 | $71,424 |
The largest sector is the biggest private employer group at 12,608 jobs, 22.2 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.
Madera County
What businesses operate in Madera County
- Establishments, all industries2,366
- Employment at those establishments30,472
- Annual payroll$1.68 bn
- Establishments per 1,000 residents14.7
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.
Madera County
What is being built in Madera County
- Housing units authorised by permit, 20241,343
- Declared construction value permitted$465.1 m
- Single family units authorised1,335
- Multifamily units authorised8
- Multifamily share of units0.6 percent
- Average declared value per unit$346,316
- Units authorised per 1,000 households29.6
Multifamily is 0.6 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Madera County
How much SBA lending happens in Madera County
- 7(a) approvals recorded101
- 7(a) gross approval dollars$107.8 m
- Average 7(a) approval$1,066,923
- Median 7(a) approval$410,000
- 10th percentile approval$25,000
- 90th percentile approval$3,800,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)975
- Jobs per approval9.7
- Distinct 7(a) lenders active34
- Distinct industries receiving approvals66
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer41.6 percent
- Loans on real estate terms42
- Loans on working capital terms, 120 months or shorter55
- Franchise loans16
- Franchise share of approvals15.8 percent
- Leading industry by approval countGasoline Stations with Convenience Stores (12)
- Most active lenderCeltic Bank Corporation (11)
- 504 approvals recorded51
- 504 gross approval dollars$48.5 m
- Average 504 approval$950,039
- Median 504 approval$469,000
- Distinct CDCs active11
- 504 jobs per approval13.9
- 504 jobs per million dollars approved14.6
- Most active CDCCen Cal Business Finance Group (25)
- 7(a) share of SBA approvals66.4 percent
- Combined SBA approval dollars$156.2 m
The average approval of $1,066,923 sits well above the median of $410,000, 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. 41.6 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.
Madera County
Do SBA loans in Madera County get paid back
- Loans with a final outcome recorded15
- Paid in full15
- Charged off0
- Charge off rate on resolved loans0.0 percent
- Status: Exempt from disclosure70
- Status: Paid in full15
- Status: Cancelled13
- Status: Committed, not yet disbursed3
Of the 15 loans that have reached a final outcome, 0.0 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.
Madera County
Which parts of Madera County get the lending
- Places in the county with recorded lending9
- MADERA, approvals67
- OAKHURST, approvals11
- CHOWCHILLA, approvals8
- Coarsegold, approvals6
- North Fork, approvals4
- Ahwahnee, approvals2
| Place | Approvals | Gross approval dollars |
|---|---|---|
| MADERA | 67 | $59,461,800 |
| OAKHURST | 11 | $6,487,800 |
| CHOWCHILLA | 8 | $17,072,000 |
| Coarsegold | 6 | $8,121,900 |
| North Fork | 4 | $14,563,300 |
| Ahwahnee | 2 | $47,000 |
| Raymond | 1 | $355,400 |
| BASS LAKE | 1 | $500,000 |
MADERA accounts for 67 approvals against 11 in OAKHURST. 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.
Madera County
How big is Madera County
- Land area2,137 sq mi
- Rank by land area among California counties24th of 58
- Width, east to west83.7 mi
- Height, north to south69.6 mi
- Geographies sharing a boundary5
- Residents per square mile of land75
- Establishments per square mile1.11
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.
Madera County
What hazards affect Madera County
- EPA radon zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
- Communities in the NFIP Community Status Book3
- Of those, participating in the NFIP3
- 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 Madera 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 Madera County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population160,940
- Households45,379
- Average household size3.55
- Median household income$76,627
- Median age34.6
Common questions
Madera County questions, answered from the record.
How many people live in Madera County, California?
160,940, in 45,379 households, ranking 32nd of 58 California counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Madera County growing?
The population has grown 5.87 percent since the 2020 census base. In 2024 there were 2,070 births against 1,338 deaths, with net migration of 1,296. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Madera County?
$76,627. The median owner-occupied home is valued at $393,200, which is 5.1 times income, and median gross rent is $1,390 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Madera County?
2,366 establishments, employing 30,472 people with an annual payroll of $1.68 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 Madera County?
Average annual pay is $56,070, or $1,078 a week, across 56,858 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Madera County?
101 7(a) approvals totalling $107.8 m since FY2020, across 34 lenders, with a median approval of $410,000, plus 51 504 approvals worth $48.5 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Madera County get paid back?
Of the 15 loans that have reached a final outcome, 15 were paid in full and 0 charged off, a charge off rate of 0.0 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Madera County?
1,343 housing units were authorised by permit in 2024, with a declared construction value of $465.1 m. Multifamily was 0.6 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Madera 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 Madera County come from?
The largest single origin is Madera County Non-migrants, with 53,363 households. Arriving households report an average income of $65,197 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 Madera 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 Madera 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.