Umatilla County, Oregon: commercial real estate data.
Umatilla County, Oregon has a population of 79,940 across 3,216 square miles, up 0.5 percent since the 2020 census base. County output reached $4.55 bn in 2024, 1,616 establishments operate here, and the SBA record carries 77 7(a) approvals worth $51.1 m.
122 sourced county values · tier FULL · 11 sections
Umatilla County
How many people live in Umatilla County
- Population79,940
- Households28,707
- Average household size2.78
- Median household income$67,728
- Median age36.9
- Median gross rent$997 per month
- Median owner-occupied home value$282,600
- Home value to household income4.2 times
- Annual rent as a share of median income17.7 percent
- Adults 25 and over with a bachelor degree or higher18.3 percent
- Adults 25 and over with a graduate degree6.5 percent
- Adults 25 and over53,183
- Population under 1819,651
- Share under 1824.6 percent
- Population 65 and over13,092
- Share 65 and over16.4 percent
- Working age population, 18 to 6447,197
- Civilian labor force37,047
- Unemployment rate5.0 percent
- Labor force participation, adults 18 and over61.4 percent
- Rank by population among Oregon counties14th of 36
- Rank by population among US county-equivalents729th
Umatilla County is the 14th largest of 36 Oregon counties by population. A median home costs 4.2 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 24.6 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.
Umatilla County
Is Umatilla County growing
- Population change since the 2020 census base0.52 percent
- Census 2020 base population80,078
- Births, 2024729
- Deaths, 2024798
- Natural change, 2024-69
- Net domestic migration, 2024249
- Net international migration, 2024443
- Total net migration, 2024692
- Cumulative net domestic migration, 2021 to 2024-195
- Rank by growth among US county-equivalents1649th
The county has grown 0.52 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.
Umatilla County
Where people moving to Umatilla County come from
- Tax returns filed by households arriving1,687
- People arriving, from those returns2,952
- Adjusted gross income arriving$84.8 m
- Net adjusted gross income movement$0
- Average income of an arriving household$50,244
- Largest single originUmatilla County Non-migrants (26,906 households)
- Largest single destination (26,906 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Umatilla County Non-migrants | 26,906 | 56,505 | $1.87 bn |
| Other flows - Different State | 562 | 974 | $29.9 m |
| Other flows - West | 406 | 723 | $22.8 m |
| Other flows - Same State | 204 | 354 | $10.5 m |
| Walla Walla County | 175 | 337 | $8.8 m |
| Morrow County | 128 | 260 | $6.6 m |
| Benton County | 114 | 207 | $5.5 m |
| Other flows - South | 101 | 158 | $3.9 m |
The largest single source of arrivals is Umatilla 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.
Umatilla County
What the Umatilla County economy runs on
- County GDP, 2024$4.55 bn
- County GDP, 2023$4.74 bn
- GDP change, 2023 to 2024-3.9 percent
- GDP change over five years26.0 percent
- Rank by GDP among Oregon counties12th
- Rank by GDP among US county-equivalents750th
- GDP per resident$56,937
Output grew -3.9 percent in the latest year and 26.0 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.
Umatilla County
Who employs people in Umatilla County
- Covered employment, annual average33,030
- Establishments reporting2,534
- Average annual pay$55,594
- Average weekly wage$1,069
- Sector 62, employment4,313
- Sector 62, average annual pay$59,851
- Sector 11, employment3,576
- Sector 11, average annual pay$43,834
- Sector 44-45, employment3,379
- Sector 44-45, average annual pay$36,514
- Sector 72, employment2,783
- Sector 72, average annual pay$23,982
- Sector 31-33, employment2,630
- Sector 48-49, employment2,179
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 4,313 | 405 | $59,851 |
| Sector 11 | 3,576 | 208 | $43,834 |
| Sector 44-45 | 3,379 | 236 | $36,514 |
| Sector 72 | 2,783 | 201 | $23,982 |
| Sector 31-33 | 2,630 | 88 | $55,239 |
| Sector 48-49 | 2,179 | 94 | $61,574 |
| Sector 23 | 1,494 | 270 | $69,923 |
| Sector 42 | 1,001 | 94 | $67,100 |
The largest sector is the biggest private employer group at 4,313 jobs, 13.1 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.
Umatilla County
What businesses operate in Umatilla County
- Establishments, all industries1,616
- Employment at those establishments23,246
- Annual payroll$1.19 bn
- Establishments per 1,000 residents20.2
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.
Umatilla County
What is being built in Umatilla County
- Housing units authorised by permit, 2024205
- Declared construction value permitted$55.4 m
- Single family units authorised199
- Multifamily units authorised6
- Multifamily share of units2.9 percent
- Average declared value per unit$270,082
- Units authorised per 1,000 households7.1
Multifamily is 2.9 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Umatilla County
How much SBA lending happens in Umatilla County
- 7(a) approvals recorded77
- 7(a) gross approval dollars$51.1 m
- Average 7(a) approval$663,138
- Median 7(a) approval$51,000
- 10th percentile approval$21,200
- 90th percentile approval$2,660,000
- Largest single approval$4,853,800
- Jobs reported supported, 7(a)469
- Jobs per approval6.1
- Distinct 7(a) lenders active20
- Distinct industries receiving approvals44
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer27.3 percent
- Loans on real estate terms21
- Loans on working capital terms, 120 months or shorter56
- Franchise loans11
- Franchise share of approvals14.3 percent
- Leading industry by approval countGasoline Stations with Convenience Stores (12)
- Most active lenderColumbia Bank (24)
- 504 approvals recorded12
- 504 gross approval dollars$12.2 m
- Average 504 approval$1,015,833
- Median 504 approval$722,000
- Distinct CDCs active5
- 504 jobs per approval6.6
- 504 jobs per million dollars approved6.5
- Most active CDCNorthwest Business Development Association (5)
- 7(a) share of SBA approvals86.5 percent
- Combined SBA approval dollars$63.3 m
The average approval of $663,138 sits well above the median of $51,000, 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 27.3 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.
Umatilla County
Do SBA loans in Umatilla County get paid back
- Loans with a final outcome recorded15
- Paid in full15
- Charged off0
- Charge off rate on resolved loans0.0 percent
- Status: Paid in full15
- Status: Exempt from disclosure51
- Status: Cancelled4
- Status: Committed, not yet disbursed7
Of the 15 loans that have reached a final outcome, 0.0 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.
Umatilla County
Which parts of Umatilla County get the lending
- Places in the county with recorded lending10
- HERMISTON, approvals29
- PENDLETON, approvals16
- MILTON FREEWATER, approvals16
- WESTON, approvals4
- STANFIELD, approvals3
- UMATILLA, approvals3
| Place | Approvals | Gross approval dollars |
|---|---|---|
| HERMISTON | 29 | $13,723,400 |
| PENDLETON | 16 | $10,802,000 |
| MILTON FREEWATER | 16 | $23,919,800 |
| WESTON | 4 | $1,105,000 |
| STANFIELD | 3 | $761,400 |
| UMATILLA | 3 | $560,000 |
| UKIAH | 2 | $45,000 |
| PILOT ROCK | 2 | $65,000 |
HERMISTON accounts for 29 approvals against 16 in PENDLETON. 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.
Umatilla County
How big is Umatilla County
- Land area3,216 sq mi
- Rank by land area among Oregon counties8th of 36
- Width, east to west70.5 mi
- Height, north to south69.4 mi
- Geographies sharing a boundary4
- Residents per square mile of land25
- Establishments per square mile0.50
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 Umatilla 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 Umatilla County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population79,940
- Households28,707
- Average household size2.78
- Median household income$67,728
- Median age36.9
Common questions
Umatilla County questions, answered from the record.
How many people live in Umatilla County, Oregon?
79,940, in 28,707 households, ranking 14th of 36 Oregon counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Umatilla County growing?
The population has grown 0.52 percent since the 2020 census base. In 2024 there were 729 births against 798 deaths, with net migration of 692. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Umatilla County?
$67,728. The median owner-occupied home is valued at $282,600, which is 4.2 times income, and median gross rent is $997 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Umatilla County?
1,616 establishments, employing 23,246 people with an annual payroll of $1.19 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 Umatilla County?
Average annual pay is $55,594, or $1,069 a week, across 33,030 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Umatilla County?
77 7(a) approvals totalling $51.1 m since FY2020, across 20 lenders, with a median approval of $51,000, plus 12 504 approvals worth $12.2 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Umatilla County get paid back?
Of the 15 loans that have reached a final outcome, 15 were paid in full and 0 charged off, a charge off rate of 0.0 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Umatilla County?
205 housing units were authorised by permit in 2024, with a declared construction value of $55.4 m. Multifamily was 2.9 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Umatilla 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 Umatilla County come from?
The largest single origin is Umatilla County Non-migrants, with 26,906 households. Arriving households report an average income of $50,244 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 Umatilla 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 Umatilla 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.