Josephine County, Oregon: commercial real estate data.
Josephine County, Oregon has a population of 88,179 across 1,640 square miles, up 0.2 percent since the 2020 census base. County output reached $3.92 bn in 2024, 2,110 establishments operate here, and the SBA record carries 78 7(a) approvals worth $37.4 m.
123 sourced county values · tier FULL · 11 sections
Josephine County
How many people live in Josephine County
- Population88,179
- Households36,715
- Average household size2.40
- Median household income$60,098
- Median age47.3
- Median gross rent$1,194 per month
- Median owner-occupied home value$404,300
- Home value to household income6.7 times
- Annual rent as a share of median income23.8 percent
- Adults 25 and over with a bachelor degree or higher19.7 percent
- Adults 25 and over with a graduate degree7.2 percent
- Adults 25 and over65,847
- Population under 1816,970
- Share under 1819.2 percent
- Population 65 and over23,999
- Share 65 and over27.2 percent
- Working age population, 18 to 6447,210
- Civilian labor force36,419
- Unemployment rate6.4 percent
- Labor force participation, adults 18 and over51.1 percent
- Rank by population among Oregon counties13th of 36
- Rank by population among US county-equivalents677th
Josephine County is the 13th largest of 36 Oregon counties by population. A median home costs 6.7 times median household income, which is a stretched ownership market and usually shows up as rental demand. Residents 65 and over outnumber those under 18, at 27.2 percent against 19.2 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.
Josephine County
Is Josephine County growing
- Population change since the 2020 census base0.21 percent
- Census 2020 base population88,088
- Births, 2024772
- Deaths, 20241,397
- Natural change, 2024-625
- Net domestic migration, 2024784
- Net international migration, 2024123
- Total net migration, 2024907
- Cumulative net domestic migration, 2021 to 20242,491
- Rank by growth among US county-equivalents1755th
The county has grown 0.21 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.
Josephine County
Where people moving to Josephine County come from
- Tax returns filed by households arriving2,323
- People arriving, from those returns4,090
- Adjusted gross income arriving$146.8 m
- Net adjusted gross income movement$0
- Average income of an arriving household$63,197
- Largest single originJosephine County Non-migrants (31,429 households)
- Largest single destination (31,429 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Josephine County Non-migrants | 31,429 | 60,698 | $2.17 bn |
| Other flows - Different State | 798 | 1,391 | $48.7 m |
| Other flows - West | 548 | 955 | $35.1 m |
| Jackson County | 545 | 953 | $27.3 m |
| Other flows - South | 146 | 253 | $7.9 m |
| Other flows - Same State | 81 | 165 | $4.6 m |
| Other flows - Midwest | 74 | 132 | $3.7 m |
| Los Angeles County | 71 | 113 | $6.0 m |
The largest single source of arrivals is Josephine 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.
Josephine County
What the Josephine County economy runs on
- County GDP, 2024$3.92 bn
- County GDP, 2023$3.70 bn
- GDP change, 2023 to 20246.0 percent
- GDP change over five years25.3 percent
- Rank by GDP among Oregon counties13th
- Rank by GDP among US county-equivalents817th
- GDP per resident$44,504
Output grew 6.0 percent in the latest year and 25.3 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.
Josephine County
Who employs people in Josephine County
- Covered employment, annual average31,420
- Establishments reporting2,806
- Average annual pay$49,117
- Average weekly wage$945
- Sector 62, employment10,074
- Sector 62, average annual pay$48,221
- Sector 44-45, employment4,101
- Sector 44-45, average annual pay$37,492
- Sector 72, employment3,019
- Sector 72, average annual pay$24,597
- Sector 31-33, employment2,809
- Sector 31-33, average annual pay$53,913
- Sector 23, employment1,132
- Sector 81, employment1,004
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 10,074 | 425 | $48,221 |
| Sector 44-45 | 4,101 | 316 | $37,492 |
| Sector 72 | 3,019 | 228 | $24,597 |
| Sector 31-33 | 2,809 | 138 | $53,913 |
| Sector 23 | 1,132 | 334 | $52,720 |
| Sector 81 | 1,004 | 226 | $36,074 |
| Sector 52 | 904 | 126 | $80,202 |
| Sector 56 | 777 | 146 | $45,050 |
The largest sector is the biggest private employer group at 10,074 jobs, 32.1 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.
Josephine County
What businesses operate in Josephine County
- Establishments, all industries2,110
- Employment at those establishments23,608
- Annual payroll$1.09 bn
- Establishments per 1,000 residents23.9
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.
Josephine County
What is being built in Josephine County
- Housing units authorised by permit, 2024202
- Declared construction value permitted$53.1 m
- Single family units authorised174
- Multifamily units authorised28
- Multifamily share of units13.9 percent
- Average declared value per unit$262,818
- Units authorised per 1,000 households5.5
Multifamily is 13.9 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Josephine County
How much SBA lending happens in Josephine County
- 7(a) approvals recorded78
- 7(a) gross approval dollars$37.4 m
- Average 7(a) approval$479,265
- Median 7(a) approval$162,000
- 10th percentile approval$20,000
- 90th percentile approval$1,350,000
- Largest single approval$3,680,000
- Jobs reported supported, 7(a)550
- Jobs per approval7.1
- Distinct 7(a) lenders active24
- Distinct industries receiving approvals52
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer25.6 percent
- Loans on real estate terms20
- Loans on working capital terms, 120 months or shorter57
- Franchise loans7
- Franchise share of approvals9.0 percent
- Leading industry by approval countLimited-Service Restaurants (6)
- Most active lenderU.S. Bank, National Association (12)
- 504 approvals recorded14
- 504 gross approval dollars$13.2 m
- Average 504 approval$943,857
- Median 504 approval$805,000
- Distinct CDCs active4
- 504 jobs per approval30.1
- 504 jobs per million dollars approved31.9
- Most active CDCEvergreen Business Capital (11)
- 7(a) share of SBA approvals84.8 percent
- Combined SBA approval dollars$50.6 m
The average approval of $479,265 sits well above the median of $162,000, 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 25.6 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.
Josephine County
Do SBA loans in Josephine County get paid back
- Loans with a final outcome recorded16
- Paid in full14
- Charged off2
- Charge off rate on resolved loans12.5 percent
- Status: Exempt from disclosure52
- Status: Paid in full14
- Status: Charged off2
- Status: Cancelled4
- Status: Committed, not yet disbursed6
Of the 16 loans that have reached a final outcome, 12.5 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.
Josephine County
Which parts of Josephine County get the lending
- Places in the county with recorded lending6
- GRANTS PASS, approvals66
- CAVE JUNCTION, approvals6
- MERLIN, approvals3
- O BRIEN, approvals1
- MEDFORD, approvals1
- WOLF CREEK, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| GRANTS PASS | 66 | $30,656,100 |
| CAVE JUNCTION | 6 | $4,861,600 |
| MERLIN | 3 | $702,000 |
| O BRIEN | 1 | $990,000 |
| MEDFORD | 1 | $25,000 |
| WOLF CREEK | 1 | $148,000 |
GRANTS PASS accounts for 66 approvals against 6 in CAVE JUNCTION. 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.
Josephine County
How big is Josephine County
- Land area1,640 sq mi
- Rank by land area among Oregon counties21st of 36
- Width, east to west41.5 mi
- Height, north to south54.5 mi
- Geographies sharing a boundary3
- Residents per square mile of land54
- Establishments per square mile1.29
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 Josephine 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 Josephine County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population88,179
- Households36,715
- Average household size2.40
- Median household income$60,098
- Median age47.3
Common questions
Josephine County questions, answered from the record.
How many people live in Josephine County, Oregon?
88,179, in 36,715 households, ranking 13th of 36 Oregon counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Josephine County growing?
The population has grown 0.21 percent since the 2020 census base. In 2024 there were 772 births against 1,397 deaths, with net migration of 907. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Josephine County?
$60,098. The median owner-occupied home is valued at $404,300, which is 6.7 times income, and median gross rent is $1,194 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Josephine County?
2,110 establishments, employing 23,608 people with an annual payroll of $1.09 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 Josephine County?
Average annual pay is $49,117, or $945 a week, across 31,420 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Josephine County?
78 7(a) approvals totalling $37.4 m since FY2020, across 24 lenders, with a median approval of $162,000, plus 14 504 approvals worth $13.2 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Josephine County get paid back?
Of the 16 loans that have reached a final outcome, 14 were paid in full and 2 charged off, a charge off rate of 12.5 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Josephine County?
202 housing units were authorised by permit in 2024, with a declared construction value of $53.1 m. Multifamily was 13.9 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Josephine 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 Josephine County come from?
The largest single origin is Josephine County Non-migrants, with 31,429 households. Arriving households report an average income of $63,197 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 Josephine 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 Josephine 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.