HomeCaliforniaMono County
Mono County, California: commercial real estate data.
Mono County, California has a population of 13,148 across 3,049 square miles, down 1.6 percent since the 2020 census base. County output reached $1.56 bn in 2024, 627 establishments operate here, and the SBA record carries 24 7(a) approvals worth $25.5 m.
126 sourced county values · tier FULL · 12 sections
Mono County
How many people live in Mono County
- Population13,148
- Households5,744
- Average household size2.29
- Median household income$99,415
- Median age41.5
- Median gross rent$1,629 per month
- Median owner-occupied home value$639,400
- Home value to household income6.4 times
- Annual rent as a share of median income19.7 percent
- Adults 25 and over with a bachelor degree or higher32.1 percent
- Adults 25 and over with a graduate degree12.8 percent
- Adults 25 and over10,217
- Population under 182,329
- Share under 1817.7 percent
- Population 65 and over2,297
- Share 65 and over17.5 percent
- Working age population, 18 to 648,522
- Civilian labor force7,794
- Unemployment rate3.1 percent
- Labor force participation, adults 18 and over72.0 percent
- Rank by population among California counties55th of 58
- Rank by population among US county-equivalents2277th
Mono County is the 55th largest of 58 California counties by population. A median home costs 6.4 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 17.7 percent against 17.5 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Mono County
Is Mono County growing
- Population change since the 2020 census base-1.55 percent
- Census 2020 base population13,196
- Births, 202495
- Deaths, 202476
- Natural change, 202419
- Net domestic migration, 2024-460
- Net international migration, 2024223
- Total net migration, 2024-237
- Cumulative net domestic migration, 2021 to 2024-1,015
- Rank by growth among US county-equivalents2371st
The county has lost 1.55 percent of its population since the 2020 census base. Births exceeded deaths in 2024 but more people left than arrived, so the population is being sustained internally rather than attracting.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Mono County
Where people moving to Mono County come from
- Tax returns filed by households arriving438
- People arriving, from those returns682
- Adjusted gross income arriving$39.7 m
- Net adjusted gross income movement$0
- Average income of an arriving household$90,614
- Largest single originMono County Non-migrants (5,039 households)
- Largest single destination (5,039 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Mono County Non-migrants | 5,039 | 9,372 | $464.5 m |
| Other flows - Different State | 132 | 215 | $7.0 m |
| Other flows - Same State | 125 | 179 | $11.1 m |
| Los Angeles County | 73 | 110 | $12.1 m |
| Other flows - West | 72 | 118 | $4.0 m |
| Other flows - South | 40 | 68 | $2.1 m |
| Inyo County | 39 | 68 | $3.4 m |
| San Diego County | 35 | 61 | $3.2 m |
The largest single source of arrivals is Mono 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.
Mono County
What the Mono County economy runs on
- County GDP, 2024$1.56 bn
- County GDP, 2023$1.49 bn
- GDP change, 2023 to 20244.8 percent
- GDP change over five years57.6 percent
- Rank by GDP among California counties48th
- Rank by GDP among US county-equivalents1476th
- GDP per resident$118,998
Output grew 4.8 percent in the latest year and 57.6 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.
Mono County
Who employs people in Mono County
- Covered employment, annual average8,150
- Establishments reporting724
- Average annual pay$52,503
- Average weekly wage$1,010
- Sector 72, employment3,772
- Sector 72, average annual pay$40,388
- Sector 44-45, employment550
- Sector 44-45, average annual pay$42,779
- Sector 23, employment477
- Sector 23, average annual pay$64,709
- Sector 53, employment375
- Sector 53, average annual pay$50,048
- Sector 56, employment262
- Sector 81, employment206
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 72 | 3,772 | 134 | $40,388 |
| Sector 44-45 | 550 | 63 | $42,779 |
| Sector 23 | 477 | 96 | $64,709 |
| Sector 53 | 375 | 72 | $50,048 |
| Sector 56 | 262 | 62 | $43,319 |
| Sector 81 | 206 | 54 | $44,648 |
| Sector 71 | 148 | 24 | $33,836 |
| Sector 31-33 | 146 | 16 | $52,451 |
The largest sector is the biggest private employer group at 3,772 jobs, 46.3 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.
Mono County
What businesses operate in Mono County
- Establishments, all industries627
- Employment at those establishments7,237
- Annual payroll$307.0 m
- Establishments per 1,000 residents47.7
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.
Mono County
What is being built in Mono County
- Housing units authorised by permit, 2024125
- Declared construction value permitted$31.5 m
- Single family units authorised49
- Multifamily units authorised76
- Multifamily share of units60.8 percent
- Average declared value per unit$251,649
- Units authorised per 1,000 households21.8
Multifamily is 60.8 percent of units authorised, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Mono County
How much SBA lending happens in Mono County
- 7(a) approvals recorded24
- 7(a) gross approval dollars$25.5 m
- Average 7(a) approval$1,063,008
- Median 7(a) approval$828,700
- 10th percentile approval$150,000
- 90th percentile approval$2,713,000
- Largest single approval$3,360,000
- Jobs reported supported, 7(a)278
- Jobs per approval11.6
- Distinct 7(a) lenders active15
- Distinct industries receiving approvals19
- Median 7(a) term300 months
- Share of loans on real estate terms, 240 months or longer58.3 percent
- Loans on real estate terms14
- Loans on working capital terms, 120 months or shorter9
- Franchise loans1
- Franchise share of approvals4.2 percent
- Leading industry by approval countBreweries (3)
- Most active lenderU.S. Bank, National Association (6)
- 504 approvals recorded13
- 504 gross approval dollars$11.9 m
- Average 504 approval$916,077
- Median 504 approval$434,000
- Distinct CDCs active7
- 504 jobs per approval7.5
- 504 jobs per million dollars approved8.2
- Most active CDCMortgage Capital Development Corporation (5)
- 7(a) share of SBA approvals64.9 percent
- Combined SBA approval dollars$37.4 m
The average approval of $1,063,008 sits close to the median of $828,700, so lending here is fairly evenly sized rather than driven by a few large deals. 58.3 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.
Mono County
Do SBA loans in Mono County get paid back
- Loans with a final outcome recorded3
- Paid in full2
- Charged off1
- Status: Cancelled5
- Status: Exempt from disclosure16
- Status: Paid in full2
- Status: Charged off1
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.
Mono County
Which parts of Mono County get the lending
- Places in the county with recorded lending6
- MAMMOTH LAKES, approvals15
- JUNE LAKE, approvals4
- LEE VINING, approvals2
- BRIDGEPORT, approvals1
- Mammotg Lakes, approvals1
- ANDERSON, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| MAMMOTH LAKES | 15 | $16,234,700 |
| JUNE LAKE | 4 | $3,550,500 |
| LEE VINING | 2 | $3,444,000 |
| BRIDGEPORT | 1 | $603,000 |
| Mammotg Lakes | 1 | $1,535,000 |
| ANDERSON | 1 | $145,000 |
MAMMOTH LAKES accounts for 15 approvals against 4 in JUNE LAKE. 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.
Mono County
How big is Mono County
- Land area3,049 sq mi
- Rank by land area among California counties19th of 58
- Width, east to west98.3 mi
- Height, north to south86.3 mi
- Geographies sharing a boundary5
- Residents per square mile of land4
- Establishments per square mile0.21
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.
Mono County
What hazards affect Mono 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 Mono 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 Mono County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population13,148
- Households5,744
- Average household size2.29
- Median household income$99,415
- Median age41.5
Common questions
Mono County questions, answered from the record.
How many people live in Mono County, California?
13,148, in 5,744 households, ranking 55th of 58 California counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Mono County growing?
The population has fallen 1.55 percent since the 2020 census base. In 2024 there were 95 births against 76 deaths, with net migration of -237. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Mono County?
$99,415. The median owner-occupied home is valued at $639,400, which is 6.4 times income, and median gross rent is $1,629 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Mono County?
627 establishments, employing 7,237 people with an annual payroll of $307.0 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 Mono County?
Average annual pay is $52,503, or $1,010 a week, across 8,150 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Mono County?
24 7(a) approvals totalling $25.5 m since FY2020, across 15 lenders, with a median approval of $828,700, plus 13 504 approvals worth $11.9 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Mono County?
125 housing units were authorised by permit in 2024, with a declared construction value of $31.5 m. Multifamily was 60.8 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Mono 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 Mono County come from?
The largest single origin is Mono County Non-migrants, with 5,039 households. Arriving households report an average income of $90,614 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 Mono 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 Mono 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.