Jefferson County, Oregon: commercial real estate data.
Jefferson County, Oregon has a population of 25,203 across 1,781 square miles, up 4.2 percent since the 2020 census base. County output reached $1.15 bn in 2024, 455 establishments operate here, and the SBA record carries 24 7(a) approvals worth $5.8 m.
122 sourced county values · tier FULL · 11 sections
Jefferson County
How many people live in Jefferson County
- Population25,203
- Households8,814
- Average household size2.86
- Median household income$76,260
- Median age41.5
- Median gross rent$941 per month
- Median owner-occupied home value$374,200
- Home value to household income4.9 times
- Annual rent as a share of median income14.8 percent
- Adults 25 and over with a bachelor degree or higher21.2 percent
- Adults 25 and over with a graduate degree6.7 percent
- Adults 25 and over17,575
- Population under 185,719
- Share under 1822.7 percent
- Population 65 and over5,016
- Share 65 and over19.9 percent
- Working age population, 18 to 6414,468
- Civilian labor force11,124
- Unemployment rate8.1 percent
- Labor force participation, adults 18 and over57.1 percent
- Rank by population among Oregon counties25th of 36
- Rank by population among US county-equivalents1650th
Jefferson County is the 25th largest of 36 Oregon counties by population. A median home costs 4.9 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 22.7 percent against 19.9 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Jefferson County
Is Jefferson County growing
- Population change since the 2020 census base4.22 percent
- Census 2020 base population24,503
- Births, 2024268
- Deaths, 2024290
- Natural change, 2024-22
- Net domestic migration, 202462
- Net international migration, 202415
- Total net migration, 202477
- Cumulative net domestic migration, 2021 to 20241,056
- Rank by growth among US county-equivalents649th
The county has grown 4.22 percent since the 2020 census base. Deaths exceeded births in 2024, so all of the growth came from people moving in. A market held up by migration alone is more sensitive to a change in relative cost than one growing from household formation.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Jefferson County
Where people moving to Jefferson County come from
- Tax returns filed by households arriving815
- People arriving, from those returns1,418
- Adjusted gross income arriving$65.1 m
- Net adjusted gross income movement$0
- Average income of an arriving household$79,909
- Largest single originJefferson County Non-migrants (8,372 households)
- Largest single destination (8,372 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Jefferson County Non-migrants | 8,372 | 17,557 | $512.4 m |
| Deschutes County | 296 | 510 | $16.5 m |
| Other flows - Different State | 187 | 339 | $9.9 m |
| Other flows - West | 150 | 262 | $7.8 m |
| Other flows - Same State | 113 | 205 | $6.2 m |
| Crook County | 48 | 93 | $2.9 m |
| Multnomah County | 46 | 72 | $3.2 m |
| Clackamas County | 44 | 78 | $4.8 m |
The largest single source of arrivals is Jefferson 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.
Jefferson County
What the Jefferson County economy runs on
- County GDP, 2024$1.15 bn
- County GDP, 2023$1.10 bn
- GDP change, 2023 to 20244.5 percent
- GDP change over five years41.8 percent
- Rank by GDP among Oregon counties27th
- Rank by GDP among US county-equivalents1726th
- GDP per resident$45,645
Output grew 4.5 percent in the latest year and 41.8 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.
Jefferson County
Who employs people in Jefferson County
- Covered employment, annual average7,031
- Establishments reporting660
- Average annual pay$56,133
- Average weekly wage$1,079
- Sector 31-33, employment1,196
- Sector 31-33, average annual pay$62,446
- Sector 62, employment869
- Sector 62, average annual pay$68,611
- Sector 44-45, employment663
- Sector 44-45, average annual pay$34,215
- Sector 72, employment617
- Sector 72, average annual pay$25,845
- Sector 11, employment322
- Sector 81, employment209
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 1,196 | 32 | $62,446 |
| Sector 62 | 869 | 74 | $68,611 |
| Sector 44-45 | 663 | 61 | $34,215 |
| Sector 72 | 617 | 57 | $25,845 |
| Sector 11 | 322 | 59 | $63,914 |
| Sector 81 | 209 | 63 | $33,940 |
| Sector 42 | 172 | 23 | $59,260 |
| Sector 56 | 167 | 31 | $52,481 |
The largest sector is the biggest private employer group at 1,196 jobs, 17.0 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.
Jefferson County
What businesses operate in Jefferson County
- Establishments, all industries455
- Employment at those establishments4,051
- Annual payroll$193.3 m
- Establishments per 1,000 residents18.1
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.
Jefferson County
What is being built in Jefferson County
- Housing units authorised by permit, 2024101
- Declared construction value permitted$29.1 m
- Single family units authorised97
- Multifamily units authorised4
- Multifamily share of units4.0 percent
- Average declared value per unit$288,015
- Units authorised per 1,000 households11.5
Multifamily is 4.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Jefferson County
How much SBA lending happens in Jefferson County
- 7(a) approvals recorded24
- 7(a) gross approval dollars$5.8 m
- Average 7(a) approval$243,696
- Median 7(a) approval$30,000
- 10th percentile approval$15,000
- 90th percentile approval$870,000
- Largest single approval$1,530,000
- Jobs reported supported, 7(a)94
- Jobs per approval3.9
- Distinct 7(a) lenders active9
- Distinct industries receiving approvals20
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer16.7 percent
- Loans on real estate terms4
- Loans on working capital terms, 120 months or shorter20
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countPlumbing, Heating, and Air-Conditioning Contractors (2)
- Most active lenderColumbia Bank (9)
- 504 approvals recorded6
- 504 gross approval dollars$3.9 m
- Average 504 approval$647,333
- Median 504 approval$600,000
- Distinct CDCs active3
- 504 jobs per approval4.3
- 504 jobs per million dollars approved6.7
- Most active CDCEvergreen Business Capital (4)
- 7(a) share of SBA approvals80.0 percent
- Combined SBA approval dollars$9.7 m
The average approval of $243,696 sits well above the median of $30,000, 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 16.7 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.
Jefferson County
Do SBA loans in Jefferson County get paid back
- Loans with a final outcome recorded6
- Paid in full5
- Charged off1
- Status: Paid in full5
- Status: Cancelled3
- Status: Charged off1
- Status: Exempt from disclosure13
- Status: Committed, not yet disbursed2
Too few loans have reached a final outcome to publish a charge off rate. only 6 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.
Jefferson County
Which parts of Jefferson County get the lending
- Places in the county with recorded lending6
- MADRAS, approvals12
- TERREBONNE, approvals5
- Culver, approvals3
- WARM SPRINGS, approvals2
- CROOKED RIVER RANCH, approvals1
- CAMP SHERMAN, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| MADRAS | 12 | $1,926,200 |
| TERREBONNE | 5 | $1,490,000 |
| Culver | 3 | $1,839,500 |
| WARM SPRINGS | 2 | $558,000 |
| CROOKED RIVER RANCH | 1 | $5,000 |
| CAMP SHERMAN | 1 | $30,000 |
MADRAS accounts for 12 approvals against 5 in TERREBONNE. 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.
Jefferson County
How big is Jefferson County
- Land area1,781 sq mi
- Rank by land area among Oregon counties19th of 36
- Width, east to west72.5 mi
- Height, north to south30.1 mi
- Geographies sharing a boundary6
- Residents per square mile of land14
- Establishments per square mile0.26
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 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 Jefferson 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 Jefferson County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population25,203
- Households8,814
- Average household size2.86
- Median household income$76,260
- Median age41.5
Common questions
Jefferson County questions, answered from the record.
How many people live in Jefferson County, Oregon?
25,203, in 8,814 households, ranking 25th of 36 Oregon counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Jefferson County growing?
The population has grown 4.22 percent since the 2020 census base. In 2024 there were 268 births against 290 deaths, with net migration of 77. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Jefferson County?
$76,260. The median owner-occupied home is valued at $374,200, which is 4.9 times income, and median gross rent is $941 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Jefferson County?
455 establishments, employing 4,051 people with an annual payroll of $193.3 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 Jefferson County?
Average annual pay is $56,133, or $1,079 a week, across 7,031 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Jefferson County?
24 7(a) approvals totalling $5.8 m since FY2020, across 9 lenders, with a median approval of $30,000, plus 6 504 approvals worth $3.9 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Jefferson County?
101 housing units were authorised by permit in 2024, with a declared construction value of $29.1 m. Multifamily was 4.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Jefferson 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 Jefferson County come from?
The largest single origin is Jefferson County Non-migrants, with 8,372 households. Arriving households report an average income of $79,909 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 Jefferson 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 Jefferson 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.