HomeCaliforniaSutter County
Sutter County, California: commercial real estate data.
Sutter County, California has a population of 98,857 across 602 square miles, down 1.1 percent since the 2020 census base. County output reached $5.24 bn in 2024, 2,243 establishments operate here, and the SBA record carries 105 7(a) approvals worth $39.6 m.
129 sourced county values · tier FULL · 12 sections
Sutter County
How many people live in Sutter County
- Population98,857
- Households33,292
- Average household size2.97
- Median household income$79,704
- Median age36.5
- Median gross rent$1,439 per month
- Median owner-occupied home value$433,500
- Home value to household income5.4 times
- Annual rent as a share of median income21.7 percent
- Adults 25 and over with a bachelor degree or higher20.9 percent
- Adults 25 and over with a graduate degree6.6 percent
- Adults 25 and over65,188
- Population under 1824,874
- Share under 1825.2 percent
- Population 65 and over16,216
- Share 65 and over16.4 percent
- Working age population, 18 to 6457,767
- Civilian labor force46,022
- Unemployment rate7.2 percent
- Labor force participation, adults 18 and over62.2 percent
- Rank by population among California counties37th of 58
- Rank by population among US county-equivalents628th
Sutter County is the 37th largest of 58 California counties by population. A median home costs 5.4 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 25.2 percent against 16.4 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Sutter County
Is Sutter County growing
- Population change since the 2020 census base-1.09 percent
- Census 2020 base population99,635
- Births, 20241,135
- Deaths, 2024852
- Natural change, 2024283
- Net domestic migration, 2024-1,058
- Net international migration, 2024860
- Total net migration, 2024-198
- Cumulative net domestic migration, 2021 to 2024-4,091
- Rank by growth among US county-equivalents2219th
The county has lost 1.09 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.
Sutter County
Where people moving to Sutter County come from
- Tax returns filed by households arriving2,157
- People arriving, from those returns4,045
- Adjusted gross income arriving$111.7 m
- Net adjusted gross income movement$0
- Average income of an arriving household$51,797
- Largest single originSutter County Non-migrants (35,089 households)
- Largest single destination (35,089 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Sutter County Non-migrants | 35,089 | 76,094 | $2.63 bn |
| Yuba County | 611 | 1,277 | $27.4 m |
| Sacramento County | 346 | 694 | $17.4 m |
| Other flows - Different State | 303 | 538 | $15.3 m |
| Other flows - Same State | 249 | 417 | $14.4 m |
| Butte County | 183 | 319 | $9.2 m |
| Other flows - West | 141 | 262 | $8.0 m |
| Placer County | 115 | 180 | $7.6 m |
The largest single source of arrivals is Sutter 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.
Sutter County
What the Sutter County economy runs on
- County GDP, 2024$5.24 bn
- County GDP, 2023$5.15 bn
- GDP change, 2023 to 20241.8 percent
- GDP change over five years37.1 percent
- Rank by GDP among California counties37th
- Rank by GDP among US county-equivalents697th
- GDP per resident$52,989
Output grew 1.8 percent in the latest year and 37.1 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.
Sutter County
Who employs people in Sutter County
- Covered employment, annual average32,774
- Establishments reporting4,205
- Average annual pay$55,174
- Average weekly wage$1,061
- Sector 62, employment5,429
- Sector 62, average annual pay$56,813
- Sector 44-45, employment4,345
- Sector 44-45, average annual pay$41,311
- Sector 11, employment3,796
- Sector 11, average annual pay$44,293
- Sector 72, employment2,983
- Sector 72, average annual pay$27,264
- Sector 48-49, employment2,237
- Sector 23, employment1,579
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 5,429 | 1,690 | $56,813 |
| Sector 44-45 | 4,345 | 286 | $41,311 |
| Sector 11 | 3,796 | 427 | $44,293 |
| Sector 72 | 2,983 | 180 | $27,264 |
| Sector 48-49 | 2,237 | 426 | $50,032 |
| Sector 23 | 1,579 | 214 | $68,869 |
| Sector 31-33 | 1,387 | 58 | $72,128 |
| Sector 42 | 1,254 | 78 | $84,253 |
The largest sector is the biggest private employer group at 5,429 jobs, 16.6 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.
Sutter County
What businesses operate in Sutter County
- Establishments, all industries2,243
- Employment at those establishments23,969
- Annual payroll$1.31 bn
- Establishments per 1,000 residents22.7
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.
Sutter County
What is being built in Sutter County
- Housing units authorised by permit, 2024117
- Declared construction value permitted$47.3 m
- Single family units authorised117
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$404,076
- 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.
Sutter County
How much SBA lending happens in Sutter County
- 7(a) approvals recorded105
- 7(a) gross approval dollars$39.6 m
- Average 7(a) approval$376,716
- Median 7(a) approval$122,700
- 10th percentile approval$30,000
- 90th percentile approval$968,000
- Largest single approval$4,548,000
- Jobs reported supported, 7(a)622
- Jobs per approval5.9
- Distinct 7(a) lenders active31
- Distinct industries receiving approvals49
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer21.9 percent
- Loans on real estate terms23
- Loans on working capital terms, 120 months or shorter76
- Franchise loans9
- Franchise share of approvals8.6 percent
- Leading industry by approval countGeneral Freight Trucking, Long-Distance, Truckload (19)
- Most active lenderU.S. Bank, National Association (31)
- 504 approvals recorded57
- 504 gross approval dollars$52.6 m
- Average 504 approval$922,491
- Median 504 approval$337,000
- Distinct CDCs active7
- 504 jobs per approval17.5
- 504 jobs per million dollars approved18.9
- Most active CDCGreater Sacramento Certified Development Corporation (42)
- 7(a) share of SBA approvals64.8 percent
- Combined SBA approval dollars$92.1 m
The average approval of $376,716 sits well above the median of $122,700, 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 21.9 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.
Sutter County
Do SBA loans in Sutter County get paid back
- Loans with a final outcome recorded30
- Paid in full28
- Charged off2
- Charge off rate on resolved loans6.7 percent
- Status: Paid in full28
- Status: Exempt from disclosure56
- Status: Cancelled16
- Status: Charged off2
- Status: Committed, not yet disbursed3
Of the 30 loans that have reached a final outcome, 6.7 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.
Sutter County
Which parts of Sutter County get the lending
- Places in the county with recorded lending7
- Yuba City, approvals92
- LIVE OAK, approvals3
- PLEASANT GROVE, approvals3
- SUTTER, approvals3
- NICOLAUS, approvals2
- Yuba Cita, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Yuba City | 92 | $35,224,200 |
| LIVE OAK | 3 | $1,886,500 |
| PLEASANT GROVE | 3 | $619,100 |
| SUTTER | 3 | $637,400 |
| NICOLAUS | 2 | $150,500 |
| Yuba Cita | 1 | $1,014,000 |
| MERIDIAN | 1 | $23,500 |
Yuba City accounts for 92 approvals against 3 in LIVE OAK. 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.
Sutter County
How big is Sutter County
- Land area602 sq mi
- Rank by land area among California counties53rd of 58
- Width, east to west28.5 mi
- Height, north to south39.3 mi
- Geographies sharing a boundary6
- Residents per square mile of land164
- Establishments per square mile3.73
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.
Sutter County
What hazards affect Sutter County
- EPA radon zone predicted average indoor radon screening level less than 2 pCi/LZone 3
- Communities in the NFIP Community Status Book3
- Of those, participating in the NFIP3
- 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 6
- 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 6, 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 Sutter 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 Sutter County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population98,857
- Households33,292
- Average household size2.97
- Median household income$79,704
- Median age36.5
Common questions
Sutter County questions, answered from the record.
How many people live in Sutter County, California?
98,857, in 33,292 households, ranking 37th of 58 California counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Sutter County growing?
The population has fallen 1.09 percent since the 2020 census base. In 2024 there were 1,135 births against 852 deaths, with net migration of -198. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Sutter County?
$79,704. The median owner-occupied home is valued at $433,500, which is 5.4 times income, and median gross rent is $1,439 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Sutter County?
2,243 establishments, employing 23,969 people with an annual payroll of $1.31 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 Sutter County?
Average annual pay is $55,174, or $1,061 a week, across 32,774 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Sutter County?
105 7(a) approvals totalling $39.6 m since FY2020, across 31 lenders, with a median approval of $122,700, plus 57 504 approvals worth $52.6 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Sutter County get paid back?
Of the 30 loans that have reached a final outcome, 28 were paid in full and 2 charged off, a charge off rate of 6.7 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Sutter County?
117 housing units were authorised by permit in 2024, with a declared construction value of $47.3 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Sutter 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 Sutter County come from?
The largest single origin is Sutter County Non-migrants, with 35,089 households. Arriving households report an average income of $51,797 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 Sutter 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 Sutter 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.