Garfield County, Utah: commercial real estate data.
Garfield County, Utah has a population of 5,219 across 5,175 square miles, up 4.1 percent since the 2020 census base. County output reached $417.2 m in 2024, 203 establishments operate here, and the SBA record carries 19 7(a) approvals worth $10.2 m.
120 sourced county values · tier FULL · 11 sections
Garfield County
How many people live in Garfield County
- Population5,219
- Households2,042
- Average household size2.56
- Median household income$61,875
- Median age40.7
- Median gross rent$817 per month
- Median owner-occupied home value$318,100
- Home value to household income5.1 times
- Annual rent as a share of median income15.8 percent
- Adults 25 and over with a bachelor degree or higher28.3 percent
- Adults 25 and over with a graduate degree7.8 percent
- Adults 25 and over3,813
- Population under 181,123
- Share under 1821.5 percent
- Population 65 and over1,170
- Share 65 and over22.4 percent
- Working age population, 18 to 642,926
- Civilian labor force2,543
- Unemployment rate4.1 percent
- Labor force participation, adults 18 and over62.1 percent
- Rank by population among Utah counties25th of 29
- Rank by population among US county-equivalents2877th
Garfield County is the 25th largest of 29 Utah counties by population. A median home costs 5.1 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 22.4 percent against 21.5 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.
Garfield County
Is Garfield County growing
- Population change since the 2020 census base4.11 percent
- Census 2020 base population5,081
- Births, 202448
- Deaths, 202463
- Natural change, 2024-15
- Net domestic migration, 2024-19
- Net international migration, 20245
- Total net migration, 2024-14
- Cumulative net domestic migration, 2021 to 2024215
- Rank by growth among US county-equivalents670th
The county has grown 4.11 percent since the 2020 census base.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Garfield County
Where people moving to Garfield County come from
- Tax returns filed by households arriving174
- People arriving, from those returns362
- Adjusted gross income arriving$12.5 m
- Net adjusted gross income movement$0
- Average income of an arriving household$72,000
- Largest single originGarfield County Non-migrants (1,759 households)
- Largest single destination (1,759 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Garfield County Non-migrants | 1,759 | 3,921 | $121.5 m |
| Other flows - Same State | 98 | 219 | $7.4 m |
| Other flows - Different State | 76 | 143 | $5.1 m |
| Other flows - West | 76 | 143 | $5.1 m |
The largest single source of arrivals is Garfield 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.
Garfield County
What the Garfield County economy runs on
- County GDP, 2024$417.2 m
- County GDP, 2023$385.5 m
- GDP change, 2023 to 20248.2 percent
- GDP change over five years53.8 percent
- Rank by GDP among Utah counties25th
- Rank by GDP among US county-equivalents2522nd
- GDP per resident$79,937
Output grew 8.2 percent in the latest year and 53.8 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.
Garfield County
Who employs people in Garfield County
- Covered employment, annual average2,517
- Establishments reporting292
- Average annual pay$41,748
- Average weekly wage$803
- Sector 72, employment1,086
- Sector 72, average annual pay$32,677
- Sector 44-45, employment212
- Sector 44-45, average annual pay$24,579
- Sector 23, employment79
- Sector 23, average annual pay$58,683
- Sector 42, employment41
- Sector 42, average annual pay$33,225
- Sector 48-49, employment37
- Sector 54, employment32
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 72 | 1,086 | 78 | $32,677 |
| Sector 44-45 | 212 | 26 | $24,579 |
| Sector 23 | 79 | 23 | $58,683 |
| Sector 42 | 41 | 8 | $33,225 |
| Sector 48-49 | 37 | 8 | $45,607 |
| Sector 54 | 32 | 10 | $54,847 |
| Sector 31-33 | 30 | 5 | $51,560 |
| Sector 22 | 28 | 6 | $83,612 |
The largest sector is the biggest private employer group at 1,086 jobs, 43.1 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.
Garfield County
What businesses operate in Garfield County
- Establishments, all industries203
- Employment at those establishments1,628
- Annual payroll$68.1 m
- Establishments per 1,000 residents38.9
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.
Garfield County
What is being built in Garfield County
- Housing units authorised by permit, 202457
- Declared construction value permitted$17.2 m
- Single family units authorised57
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$302,053
- Units authorised per 1,000 households27.9
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Garfield County
How much SBA lending happens in Garfield County
- 7(a) approvals recorded19
- 7(a) gross approval dollars$10.2 m
- Average 7(a) approval$535,205
- Median 7(a) approval$225,000
- 10th percentile approval$30,000
- 90th percentile approval$821,500
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)138
- Jobs per approval7.3
- Distinct 7(a) lenders active9
- Distinct industries receiving approvals12
- Median 7(a) term240 months
- Share of loans on real estate terms, 240 months or longer52.6 percent
- Loans on real estate terms10
- Loans on working capital terms, 120 months or shorter8
- Franchise loans1
- Franchise share of approvals5.3 percent
- Leading industry by approval countRV (Recreational Vehicle) Parks and Campgrounds (4)
- Most active lenderState Bank of Southern Utah (8)
- 504 approvals recorded17
- 504 gross approval dollars$8.5 m
- Average 504 approval$501,529
- Median 504 approval$412,000
- Distinct CDCs active4
- 504 jobs per approval7.5
- 504 jobs per million dollars approved14.9
- Most active CDCMountain West Small Business Finance (11)
- 7(a) share of SBA approvals52.8 percent
- Combined SBA approval dollars$18.7 m
The average approval of $535,205 sits well above the median of $225,000, 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. 52.6 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. US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Garfield County
Do SBA loans in Garfield County get paid back
- Loans with a final outcome recorded6
- Paid in full6
- Charged off0
- Status: Exempt from disclosure11
- Status: Paid in full6
- Status: Cancelled2
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.
Garfield County
Which parts of Garfield County get the lending
- Places in the county with recorded lending9
- Escalante, approvals4
- PANGUITCH, approvals3
- Tropic, approvals3
- Bryce, approvals3
- HENRIEVILLE, approvals2
- Hatch, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Escalante | 4 | $2,111,500 |
| PANGUITCH | 3 | $850,000 |
| Tropic | 3 | $544,600 |
| Bryce | 3 | $5,284,500 |
| HENRIEVILLE | 2 | $115,500 |
| Hatch | 1 | $225,000 |
| ANTIMONY | 1 | $396,800 |
| SPANISH FORK | 1 | $441,000 |
Escalante accounts for 4 approvals against 3 in PANGUITCH. 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.
Garfield County
How big is Garfield County
- Land area5,175 sq mi
- Rank by land area among Utah counties5th of 29
- Width, east to west150.8 mi
- Height, north to south42.6 mi
- Geographies sharing a boundary6
- Residents per square mile of land1
- Establishments per square mile0.04
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 Garfield 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 Garfield County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population5,219
- Households2,042
- Average household size2.56
- Median household income$61,875
- Median age40.7
Common questions
Garfield County questions, answered from the record.
How many people live in Garfield County, Utah?
5,219, in 2,042 households, ranking 25th of 29 Utah counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Garfield County growing?
The population has grown 4.11 percent since the 2020 census base. In 2024 there were 48 births against 63 deaths, with net migration of -14. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Garfield County?
$61,875. The median owner-occupied home is valued at $318,100, which is 5.1 times income, and median gross rent is $817 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Garfield County?
203 establishments, employing 1,628 people with an annual payroll of $68.1 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 Garfield County?
Average annual pay is $41,748, or $803 a week, across 2,517 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Garfield County?
19 7(a) approvals totalling $10.2 m since FY2020, across 9 lenders, with a median approval of $225,000, plus 17 504 approvals worth $8.5 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Garfield County?
57 housing units were authorised by permit in 2024, with a declared construction value of $17.2 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Garfield 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 Garfield County come from?
The largest single origin is Garfield County Non-migrants, with 1,759 households. Arriving households report an average income of $72,000 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 Garfield 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 Garfield 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.