Harney County, Oregon: commercial real estate data.
Harney County, Oregon has a population of 7,499 across 10,133 square miles, down 1.3 percent since the 2020 census base. County output reached $495.8 m in 2024, 214 establishments operate here, and the SBA record carries 9 7(a) approvals worth $2.8 m.
108 sourced county values · tier FULL · 11 sections
Harney County
How many people live in Harney County
- Population7,499
- Households3,129
- Average household size2.40
- Median household income$55,208
- Median age45.9
- Median gross rent$684 per month
- Median owner-occupied home value$242,100
- Home value to household income4.4 times
- Annual rent as a share of median income14.9 percent
- Adults 25 and over with a bachelor degree or higher18.3 percent
- Adults 25 and over with a graduate degree8.4 percent
- Adults 25 and over5,518
- Population under 181,389
- Share under 1818.5 percent
- Population 65 and over1,978
- Share 65 and over26.4 percent
- Working age population, 18 to 644,132
- Civilian labor force3,364
- Unemployment rate3.7 percent
- Labor force participation, adults 18 and over55.1 percent
- Rank by population among Oregon counties32nd of 36
- Rank by population among US county-equivalents2694th
Harney County is the 32nd largest of 36 Oregon counties by population. A median home costs 4.4 times median household income, which is an affordable ownership market by national standards. Residents 65 and over outnumber those under 18, at 26.4 percent against 18.5 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.
Harney County
Is Harney County growing
- Population change since the 2020 census base-1.32 percent
- Census 2020 base population7,501
- Births, 202470
- Deaths, 202491
- Natural change, 2024-21
- Net domestic migration, 2024-26
- Net international migration, 2024-2
- Total net migration, 2024-28
- Cumulative net domestic migration, 2021 to 202414
- Rank by growth among US county-equivalents2301st
The county has lost 1.32 percent of its population since the 2020 census base.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Harney County
Where people moving to Harney County come from
- Tax returns filed by households arriving165
- People arriving, from those returns315
- Adjusted gross income arriving$9.7 m
- Net adjusted gross income movement$0
- Average income of an arriving household$58,739
- Largest single originHarney County Non-migrants (2,492 households)
- Largest single destination (2,492 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Harney County Non-migrants | 2,492 | 5,280 | $138.5 m |
| Other flows - Same State | 93 | 175 | $4.5 m |
| Other flows - Different State | 72 | 140 | $5.1 m |
| Other flows - West | 72 | 140 | $5.1 m |
The largest single source of arrivals is Harney 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.
Harney County
What the Harney County economy runs on
- County GDP, 2024$495.8 m
- County GDP, 2023$447.5 m
- GDP change, 2023 to 202410.8 percent
- GDP change over five years68.1 percent
- Rank by GDP among Oregon counties32nd
- Rank by GDP among US county-equivalents2412th
- GDP per resident$66,109
Output grew 10.8 percent in the latest year and 68.1 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.
Harney County
Who employs people in Harney County
- Covered employment, annual average2,560
- Establishments reporting342
- Average annual pay$51,173
- Average weekly wage$984
- Sector 44-45, employment331
- Sector 44-45, average annual pay$37,605
- Sector 72, employment282
- Sector 72, average annual pay$19,549
- Sector 11, employment203
- Sector 11, average annual pay$46,143
- Sector 81, employment74
- Sector 81, average annual pay$33,657
- Sector 54, employment58
- Sector 42, employment45
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 331 | 30 | $37,605 |
| Sector 72 | 282 | 31 | $19,549 |
| Sector 11 | 203 | 42 | $46,143 |
| Sector 81 | 74 | 30 | $33,657 |
| Sector 54 | 58 | 15 | $53,869 |
| Sector 42 | 45 | 10 | $57,794 |
| Sector 56 | 39 | 11 | $45,129 |
| Sector 52 | 34 | 8 | $54,413 |
The largest sector is the biggest private employer group at 331 jobs, 12.9 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.
Harney County
What businesses operate in Harney County
- Establishments, all industries214
- Employment at those establishments1,576
- Annual payroll$69.6 m
- Establishments per 1,000 residents28.5
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.
Harney County
What is being built in Harney County
- Housing units authorised by permit, 202422
- Declared construction value permitted$6.4 m
- Single family units authorised22
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$289,856
- Units authorised per 1,000 households7.0
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Harney County
How much SBA lending happens in Harney County
- 7(a) approvals recorded9
- 7(a) gross approval dollars$2.8 m
- Average 7(a) approval$313,089
- Median 7(a) approval$477,000
- 10th percentile approval$30,000
- 90th percentile approval$646,200
- Largest single approval$646,200
- Jobs reported supported, 7(a)28
- Jobs per approval3.1
- Distinct 7(a) lenders active5
- Distinct industries receiving approvals6
- Median 7(a) term300 months
- Share of loans on real estate terms, 240 months or longer55.6 percent
- Loans on real estate terms5
- Loans on working capital terms, 120 months or shorter4
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countFuneral Homes and Funeral Services (4)
- Most active lenderUnited Midwest Savings Bank National Association (3)
The average approval of $313,089 sits close to the median of $477,000, so lending here is fairly evenly sized rather than driven by a few large deals. 55.6 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.
Harney County
Do SBA loans in Harney County get paid back
- Loans with a final outcome recorded3
- Paid in full3
- Charged off0
- Status: Paid in full3
- Status: Cancelled3
- Status: Exempt from disclosure3
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.
Harney County
Which parts of Harney County get the lending
- Places in the county with recorded lending4
- Burns, approvals5
- HINES, approvals2
- CRANE, approvals1
- FIELDS, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Burns | 5 | $2,179,300 |
| HINES | 2 | $76,000 |
| CRANE | 1 | $75,000 |
| FIELDS | 1 | $487,500 |
Burns accounts for 5 approvals against 2 in HINES. 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.
Harney County
How big is Harney County
- Land area10,133 sq mi
- Rank by land area among Oregon counties1st of 36
- Width, east to west88.4 mi
- Height, north to south141.9 mi
- Geographies sharing a boundary5
- Residents per square mile of land1
- Establishments per square mile0.02
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.
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.
- No 504 approvals recorded in this county in the FOIA release covering FY2010 onward.
- No NFIP communities are listed for this county in the FEMA Community Status Book.
- 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 Harney 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 Harney County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population7,499
- Households3,129
- Average household size2.40
- Median household income$55,208
- Median age45.9
Common questions
Harney County questions, answered from the record.
How many people live in Harney County, Oregon?
7,499, in 3,129 households, ranking 32nd of 36 Oregon counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Harney County growing?
The population has fallen 1.32 percent since the 2020 census base. In 2024 there were 70 births against 91 deaths, with net migration of -28. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Harney County?
$55,208. The median owner-occupied home is valued at $242,100, which is 4.4 times income, and median gross rent is $684 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Harney County?
214 establishments, employing 1,576 people with an annual payroll of $69.6 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 Harney County?
Average annual pay is $51,173, or $984 a week, across 2,560 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Harney County?
9 7(a) approvals totalling $2.8 m since FY2020, across 5 lenders, with a median approval of $477,000. These are approvals recorded in the release, not loans disbursed.
What is being built in Harney County?
22 housing units were authorised by permit in 2024, with a declared construction value of $6.4 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Harney 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 Harney County come from?
The largest single origin is Harney County Non-migrants, with 2,492 households. Arriving households report an average income of $58,739 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 Harney 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 Harney 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.