HomeCaliforniaSacramento County
Sacramento County, California: commercial real estate data.
Sacramento County, California has a population of 1,594,006 across 965 square miles, up 1.6 percent since the 2020 census base. County output reached $135.54 bn in 2024, 34,280 establishments operate here, and the SBA record carries 1,803 7(a) approvals worth $1.12 bn.
129 sourced county values · tier FULL · 12 sections
Sacramento County
How many people live in Sacramento County
- Population1,594,006
- Households571,057
- Average household size2.79
- Median household income$92,175
- Median age37.5
- Median gross rent$1,790 per month
- Median owner-occupied home value$534,200
- Home value to household income5.8 times
- Annual rent as a share of median income23.3 percent
- Adults 25 and over with a bachelor degree or higher34.1 percent
- Adults 25 and over with a graduate degree12.4 percent
- Adults 25 and over1,097,404
- Population under 18364,525
- Share under 1822.9 percent
- Population 65 and over243,370
- Share 65 and over15.3 percent
- Working age population, 18 to 64986,111
- Civilian labor force805,946
- Unemployment rate6.7 percent
- Labor force participation, adults 18 and over65.6 percent
- Rank by population among California counties8th of 58
- Rank by population among US county-equivalents23rd
Sacramento County is the 8th 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 under 18 outnumber those 65 and over, at 22.9 percent against 15.3 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Sacramento County
Is Sacramento County growing
- Population change since the 2020 census base1.65 percent
- Census 2020 base population1,585,030
- Births, 202417,367
- Deaths, 202412,444
- Natural change, 20244,923
- Net domestic migration, 2024-5,859
- Net international migration, 202417,677
- Total net migration, 202411,818
- Cumulative net domestic migration, 2021 to 2024-39,582
- Rank by growth among US county-equivalents1285th
The county has grown 1.65 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.
Sacramento County
Where people moving to Sacramento County come from
- Tax returns filed by households arriving32,870
- People arriving, from those returns53,864
- Adjusted gross income arriving$2.71 bn
- Net adjusted gross income movement$0
- Average income of an arriving household$82,545
- Largest single originSacramento County Non-migrants (602,380 households)
- Largest single destination (602,380 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Sacramento County Non-migrants | 602,380 | 1,201,657 | $52.36 bn |
| Other flows - Different State | 3,457 | 5,755 | $218.6 m |
| Placer County | 3,414 | 5,509 | $271.1 m |
| Yolo County | 2,143 | 3,400 | $133.5 m |
| Alameda County | 1,961 | 3,521 | $200.8 m |
| Santa Clara County | 1,852 | 3,434 | $226.2 m |
| San Joaquin County | 1,724 | 2,967 | $105.6 m |
| Other flows - South | 1,439 | 2,481 | $89.0 m |
The largest single source of arrivals is Sacramento 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.
Sacramento County
What the Sacramento County economy runs on
- County GDP, 2024$135.54 bn
- County GDP, 2023$126.07 bn
- GDP change, 2023 to 20247.5 percent
- GDP change over five years36.9 percent
- Rank by GDP among California counties9th
- Rank by GDP among US county-equivalents39th
- GDP per resident$85,030
Output grew 7.5 percent in the latest year and 36.9 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.
Sacramento County
Who employs people in Sacramento County
- Covered employment, annual average726,937
- Establishments reporting73,284
- Average annual pay$80,125
- Average weekly wage$1,541
- Sector 62, employment122,313
- Sector 62, average annual pay$70,286
- Sector 44-45, employment60,902
- Sector 44-45, average annual pay$43,927
- Sector 72, employment56,033
- Sector 72, average annual pay$30,141
- Sector 23, employment45,496
- Sector 23, average annual pay$86,710
- Sector 54, employment41,507
- Sector 56, employment41,330
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 122,313 | 35,931 | $70,286 |
| Sector 44-45 | 60,902 | 3,744 | $43,927 |
| Sector 72 | 56,033 | 3,352 | $30,141 |
| Sector 23 | 45,496 | 3,570 | $86,710 |
| Sector 54 | 41,507 | 5,108 | $130,718 |
| Sector 56 | 41,330 | 2,115 | $56,380 |
| Sector 81 | 24,207 | 3,716 | $58,971 |
| Sector 31-33 | 23,052 | 888 | $82,046 |
The largest sector is the biggest private employer group at 122,313 jobs, 16.8 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.
Sacramento County
What businesses operate in Sacramento County
- Establishments, all industries34,280
- Employment at those establishments533,709
- Annual payroll$38.03 bn
- Establishments per 1,000 residents21.5
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.
Sacramento County
What is being built in Sacramento County
- Housing units authorised by permit, 20246,747
- Declared construction value permitted$1.96 bn
- Single family units authorised4,868
- Multifamily units authorised1,879
- Multifamily share of units27.8 percent
- Average declared value per unit$290,433
- Units authorised per 1,000 households11.8
Multifamily is 27.8 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Sacramento County
How much SBA lending happens in Sacramento County
- 7(a) approvals recorded1,803
- 7(a) gross approval dollars$1.12 bn
- Average 7(a) approval$622,771
- Median 7(a) approval$250,000
- 10th percentile approval$29,500
- 90th percentile approval$1,700,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)18,656
- Jobs per approval10.3
- Distinct 7(a) lenders active123
- Distinct industries receiving approvals332
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer24.5 percent
- Loans on real estate terms441
- Loans on working capital terms, 120 months or shorter1,285
- Franchise loans214
- Franchise share of approvals11.9 percent
- Leading industry by approval countFull-Service Restaurants (73)
- Most active lenderU.S. Bank, National Association (272)
- 504 approvals recorded846
- 504 gross approval dollars$723.4 m
- Average 504 approval$855,071
- Median 504 approval$575,000
- Distinct CDCs active17
- 504 jobs per approval13.8
- 504 jobs per million dollars approved16.2
- Most active CDCMortgage Capital Development Corporation (275)
- 7(a) share of SBA approvals68.1 percent
- Combined SBA approval dollars$1.85 bn
The average approval of $622,771 sits well above the median of $250,000, 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. Only 24.5 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.
Sacramento County
Do SBA loans in Sacramento County get paid back
- Loans with a final outcome recorded369
- Paid in full342
- Charged off27
- Charge off rate on resolved loans7.3 percent
- Status: Paid in full342
- Status: Exempt from disclosure1,119
- Status: Charged off27
- Status: Cancelled231
- Status: Committed, not yet disbursed84
| NAICS | Industry | Resolved loans | Charged off | Charge off rate |
|---|---|---|---|---|
| 484110 | General Freight Trucking, Local | 17 | 2 | 11.8% |
| 623312 | Assisted Living Facilities for the Elderly | 16 | 0 | 0.0% |
| 484121 | General Freight Trucking, Long-Distance, Truckload | 16 | 3 | 18.8% |
| 722511 | Full-Service Restaurants | 14 | 1 | 7.1% |
| 236118 | Residential Remodelers | 11 | 2 | 18.2% |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 10 | 2 | 20.0% |
Of the 369 loans that have reached a final outcome, 7.3 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. Among industries with at least ten resolved loans, Plumbing, Heating, and Air-Conditioning Contractors carries the highest charge off rate at 20.0 percent.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Sacramento County
Which parts of Sacramento County get the lending
- Places in the county with recorded lending30
- SACRAMENTO, approvals962
- FOLSOM, approvals157
- ELK GROVE, approvals142
- RANCHO CORDOVA, approvals141
- CITRUS HEIGHTS, approvals96
- CARMICHAEL, approvals69
| Place | Approvals | Gross approval dollars |
|---|---|---|
| SACRAMENTO | 962 | $619,141,100 |
| FOLSOM | 157 | $66,723,400 |
| ELK GROVE | 142 | $71,418,000 |
| RANCHO CORDOVA | 141 | $118,658,600 |
| CITRUS HEIGHTS | 96 | $52,529,700 |
| CARMICHAEL | 69 | $35,642,200 |
| Fair Oaks | 53 | $32,790,900 |
| Orangevale | 37 | $25,223,000 |
SACRAMENTO accounts for 962 approvals against 157 in FOLSOM. 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.
Sacramento County
How big is Sacramento County
- Land area965 sq mi
- Rank by land area among California counties43rd of 58
- Width, east to west45.3 mi
- Height, north to south49 mi
- Geographies sharing a boundary8
- Residents per square mile of land1,652
- Establishments per square mile35.52
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.
Sacramento County
What hazards affect Sacramento County
- EPA radon zone predicted average indoor radon screening level less than 2 pCi/LZone 3
- Communities in the NFIP Community Status Book8
- Of those, participating in the NFIP8
- NFIP participation rate100.0 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 2
- Communities carrying a CRS class3
The EPA places the county in radon zone 3, a predicted average indoor radon screening level less than 2 pCi/L. The best Community Rating System class in the county is 2, which carries a flood insurance premium discount for properties in the participating community.
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 Sacramento 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 Sacramento County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population1,594,006
- Households571,057
- Average household size2.79
- Median household income$92,175
- Median age37.5
Common questions
Sacramento County questions, answered from the record.
How many people live in Sacramento County, California?
1,594,006, in 571,057 households, ranking 8th of 58 California counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Sacramento County growing?
The population has grown 1.65 percent since the 2020 census base. In 2024 there were 17,367 births against 12,444 deaths, with net migration of 11,818. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Sacramento County?
$92,175. The median owner-occupied home is valued at $534,200, which is 5.8 times income, and median gross rent is $1,790 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Sacramento County?
34,280 establishments, employing 533,709 people with an annual payroll of $38.03 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 Sacramento County?
Average annual pay is $80,125, or $1,541 a week, across 726,937 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Sacramento County?
1,803 7(a) approvals totalling $1.12 bn since FY2020, across 123 lenders, with a median approval of $250,000, plus 846 504 approvals worth $723.4 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Sacramento County get paid back?
Of the 369 loans that have reached a final outcome, 342 were paid in full and 27 charged off, a charge off rate of 7.3 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Sacramento County?
6,747 housing units were authorised by permit in 2024, with a declared construction value of $1.96 bn. Multifamily was 27.8 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Sacramento County?
Zone 3, a predicted average indoor radon screening level less than 2 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Sacramento County come from?
The largest single origin is Sacramento County Non-migrants, with 602,380 households. Arriving households report an average income of $82,545 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 Sacramento 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 Sacramento 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.