Morrow County, Oregon: commercial real estate data.
Morrow County, Oregon has a population of 12,300 across 2,032 square miles, up 1.4 percent since the 2020 census base. County output reached $2.10 bn in 2024, 214 establishments operate here, and the SBA record carries 7 7(a) approvals worth $10.0 m.
114 sourced county values · tier FULL · 11 sections
Morrow County
How many people live in Morrow County
- Population12,300
- Households4,326
- Average household size2.84
- Median household income$75,448
- Median age36.3
- Median gross rent$995 per month
- Median owner-occupied home value$240,400
- Home value to household income3.2 times
- Annual rent as a share of median income15.8 percent
- Adults 25 and over with a bachelor degree or higher10.1 percent
- Adults 25 and over with a graduate degree2.9 percent
- Adults 25 and over7,831
- Population under 183,340
- Share under 1827.2 percent
- Population 65 and over2,035
- Share 65 and over16.5 percent
- Working age population, 18 to 646,925
- Civilian labor force5,533
- Unemployment rate2.4 percent
- Labor force participation, adults 18 and over61.8 percent
- Rank by population among Oregon counties29th of 36
- Rank by population among US county-equivalents2337th
Morrow County is the 29th largest of 36 Oregon counties by population. A median home costs 3.2 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 27.2 percent against 16.5 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Morrow County
Is Morrow County growing
- Population change since the 2020 census base1.44 percent
- Census 2020 base population12,184
- Births, 2024125
- Deaths, 2024130
- Natural change, 2024-5
- Net domestic migration, 2024-27
- Net international migration, 202488
- Total net migration, 202461
- Cumulative net domestic migration, 2021 to 2024-120
- Rank by growth among US county-equivalents1356th
The county has grown 1.44 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.
Morrow County
Where people moving to Morrow County come from
- Tax returns filed by households arriving316
- People arriving, from those returns610
- Adjusted gross income arriving$16.1 m
- Net adjusted gross income movement$0
- Average income of an arriving household$51,063
- Largest single originMorrow County Non-migrants (3,973 households)
- Largest single destination (3,973 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Morrow County Non-migrants | 3,973 | 8,926 | $281.1 m |
| Umatilla County | 118 | 237 | $5.5 m |
| Other flows - Different State | 118 | 231 | $5.9 m |
| Other flows - West | 118 | 231 | $5.9 m |
| Other flows - Same State | 80 | 142 | $4.7 m |
The largest single source of arrivals is Morrow 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.
Morrow County
What the Morrow County economy runs on
- County GDP, 2024$2.10 bn
- County GDP, 2023$1.91 bn
- GDP change, 2023 to 20249.9 percent
- GDP change over five years50.7 percent
- Rank by GDP among Oregon counties20th
- Rank by GDP among US county-equivalents1235th
- GDP per resident$170,847
Output grew 9.9 percent in the latest year and 50.7 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.
Morrow County
Who employs people in Morrow County
- Covered employment, annual average6,978
- Establishments reporting412
- Average annual pay$71,417
- Average weekly wage$1,373
- Sector 31-33, employment1,576
- Sector 31-33, average annual pay$65,398
- Sector 48-49, employment353
- Sector 48-49, average annual pay$58,316
- Sector 23, employment324
- Sector 23, average annual pay$111,255
- Sector 62, employment324
- Sector 62, average annual pay$53,814
- Sector 44-45, employment298
- Sector 56, employment278
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 1,576 | 15 | $65,398 |
| Sector 48-49 | 353 | 22 | $58,316 |
| Sector 23 | 324 | 48 | $111,255 |
| Sector 62 | 324 | 46 | $53,814 |
| Sector 44-45 | 298 | 22 | $31,746 |
| Sector 56 | 278 | 22 | $46,903 |
| Sector 42 | 106 | 15 | $85,534 |
| Sector 22 | 99 | 8 | $167,290 |
The largest sector is the biggest private employer group at 1,576 jobs, 22.6 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.
Morrow County
What businesses operate in Morrow County
- Establishments, all industries214
- Employment at those establishments4,215
- Annual payroll$226.9 m
- Establishments per 1,000 residents17.4
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.
Morrow County
What is being built in Morrow County
- Housing units authorised by permit, 202457
- Declared construction value permitted$17.6 m
- Single family units authorised49
- Multifamily units authorised8
- Multifamily share of units14.0 percent
- Average declared value per unit$308,986
- Units authorised per 1,000 households13.2
Multifamily is 14.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Morrow County
How much SBA lending happens in Morrow County
- 7(a) approvals recorded7
- 7(a) gross approval dollars$10.0 m
- Average 7(a) approval$1,431,257
- Median 7(a) approval$930,000
- 10th percentile approval$40,000
- 90th percentile approval$4,913,800
- Largest single approval$4,913,800
- Jobs reported supported, 7(a)360
- Jobs per approval51.4
- Distinct 7(a) lenders active7
- Distinct industries receiving approvals5
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer42.9 percent
- Loans on real estate terms3
- Loans on working capital terms, 120 months or shorter4
- Franchise loans3
- Franchise share of approvals42.9 percent
- Leading industry by approval countHotels (except Casino Hotels) and Motels (2)
- Most active lenderBMO Bank National Association (1)
- 504 approvals recorded3
- 504 gross approval dollars$7.2 m
- Average 504 approval$2,409,000
- Median 504 approval$2,183,000
- Distinct CDCs active1
- 504 jobs per approval11.3
- 504 jobs per million dollars approved4.7
- Most active CDCEvergreen Business Capital (3)
- 7(a) share of SBA approvals70.0 percent
- Combined SBA approval dollars$17.2 m
The average approval of $1,431,257 sits well above the median of $930,000, 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. 42.9 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. US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Morrow County
Do SBA loans in Morrow County get paid back
- Loans with a final outcome recorded0
- Paid in full0
- Charged off0
- Status: Exempt from disclosure7
Too few loans have reached a final outcome to publish a charge off rate. only 0 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.
Morrow County
Which parts of Morrow County get the lending
- Places in the county with recorded lending2
- BOARDMAN, approvals6
- IRRIGON, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| BOARDMAN | 6 | $9,978,800 |
| IRRIGON | 1 | $40,000 |
BOARDMAN accounts for 6 approvals against 1 in IRRIGON. 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.
Morrow County
How big is Morrow County
- Land area2,032 sq mi
- Rank by land area among Oregon counties17th of 36
- Width, east to west41.7 mi
- Height, north to south64.4 mi
- Geographies sharing a boundary4
- Residents per square mile of land6
- Establishments per square mile0.11
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 Morrow 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 Morrow County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population12,300
- Households4,326
- Average household size2.84
- Median household income$75,448
- Median age36.3
Common questions
Morrow County questions, answered from the record.
How many people live in Morrow County, Oregon?
12,300, in 4,326 households, ranking 29th of 36 Oregon counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Morrow County growing?
The population has grown 1.44 percent since the 2020 census base. In 2024 there were 125 births against 130 deaths, with net migration of 61. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Morrow County?
$75,448. The median owner-occupied home is valued at $240,400, which is 3.2 times income, and median gross rent is $995 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Morrow County?
214 establishments, employing 4,215 people with an annual payroll of $226.9 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 Morrow County?
Average annual pay is $71,417, or $1,373 a week, across 6,978 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Morrow County?
7 7(a) approvals totalling $10.0 m since FY2020, across 7 lenders, with a median approval of $930,000, plus 3 504 approvals worth $7.2 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Morrow County?
57 housing units were authorised by permit in 2024, with a declared construction value of $17.6 m. Multifamily was 14.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Morrow 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 Morrow County come from?
The largest single origin is Morrow County Non-migrants, with 3,973 households. Arriving households report an average income of $51,063 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 Morrow 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 Morrow 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.