HomeWashingtonJefferson County
Jefferson County, Washington: commercial real estate data.
Jefferson County, Washington has a population of 33,577 across 1,804 square miles, up 3.0 percent since the 2020 census base. County output reached $1.87 bn in 2024, 991 establishments operate here, and the SBA record carries 33 7(a) approvals worth $21.3 m.
120 sourced county values · tier FULL · 11 sections
Jefferson County
How many people live in Jefferson County
- Population33,577
- Households16,340
- Average household size2.05
- Median household income$74,048
- Median age59.8
- Median gross rent$1,522 per month
- Median owner-occupied home value$535,000
- Home value to household income7.2 times
- Annual rent as a share of median income24.7 percent
- Adults 25 and over with a bachelor degree or higher43.9 percent
- Adults 25 and over with a graduate degree19.6 percent
- Adults 25 and over28,552
- Population under 183,747
- Share under 1811.2 percent
- Population 65 and over13,673
- Share 65 and over40.7 percent
- Working age population, 18 to 6416,157
- Civilian labor force13,160
- Unemployment rate6.6 percent
- Labor force participation, adults 18 and over44.1 percent
- Rank by population among Washington counties27th of 39
- Rank by population among US county-equivalents1382nd
Jefferson County is the 27th largest of 39 Washington counties by population. A median home costs 7.2 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 40.7 percent against 11.2 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.
Jefferson County
Is Jefferson County growing
- Population change since the 2020 census base2.95 percent
- Census 2020 base population32,970
- Births, 2024156
- Deaths, 2024437
- Natural change, 2024-281
- Net domestic migration, 2024443
- Net international migration, 202459
- Total net migration, 2024502
- Cumulative net domestic migration, 2021 to 20241,871
- Rank by growth among US county-equivalents886th
The county has grown 2.95 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 arriving1,256
- People arriving, from those returns1,948
- Adjusted gross income arriving$141.4 m
- Net adjusted gross income movement$0
- Average income of an arriving household$112,549
- Largest single originJefferson County Non-migrants (14,506 households)
- Largest single destination (14,506 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Jefferson County Non-migrants | 14,506 | 25,041 | $1.48 bn |
| Other flows - Different State | 511 | 799 | $60.0 m |
| Other flows - West | 336 | 524 | $36.8 m |
| King County | 223 | 340 | $37.1 m |
| Kitsap County | 129 | 207 | $10.8 m |
| Other flows - South | 100 | 158 | $15.0 m |
| Other flows - Same State | 91 | 138 | $6.0 m |
| Clallam County | 79 | 123 | $4.3 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$1.87 bn
- County GDP, 2023$1.76 bn
- GDP change, 2023 to 20246.0 percent
- GDP change over five years43.7 percent
- Rank by GDP among Washington counties27th
- Rank by GDP among US county-equivalents1344th
- GDP per resident$55,570
Output grew 6.0 percent in the latest year and 43.7 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.
Jefferson County
Who employs people in Jefferson County
- Covered employment, annual average9,107
- Establishments reporting1,068
- Average annual pay$58,601
- Average weekly wage$1,127
- Sector 44-45, employment1,111
- Sector 44-45, average annual pay$36,917
- Sector 72, employment1,058
- Sector 72, average annual pay$27,221
- Sector 62, employment783
- Sector 62, average annual pay$40,780
- Sector 23, employment689
- Sector 23, average annual pay$60,876
- Sector 31-33, employment656
- Sector 81, employment530
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 1,111 | 102 | $36,917 |
| Sector 72 | 1,058 | 111 | $27,221 |
| Sector 62 | 783 | 79 | $40,780 |
| Sector 23 | 689 | 158 | $60,876 |
| Sector 31-33 | 656 | 52 | $75,699 |
| Sector 81 | 530 | 87 | $49,451 |
| Sector 54 | 366 | 134 | $98,219 |
| Sector 42 | 213 | 36 | $63,439 |
The largest sector is the biggest private employer group at 1,111 jobs, 12.2 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 industries991
- Employment at those establishments7,237
- Annual payroll$381.6 m
- Establishments per 1,000 residents29.5
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, 2024147
- Declared construction value permitted$47.5 m
- Single family units authorised147
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$323,152
- Units authorised per 1,000 households9.0
Multifamily is 0.0 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 recorded33
- 7(a) gross approval dollars$21.3 m
- Average 7(a) approval$646,233
- Median 7(a) approval$575,000
- 10th percentile approval$25,000
- 90th percentile approval$1,255,000
- Largest single approval$3,236,000
- Jobs reported supported, 7(a)225
- Jobs per approval6.8
- Distinct 7(a) lenders active18
- Distinct industries receiving approvals23
- Median 7(a) term126 months
- Share of loans on real estate terms, 240 months or longer42.4 percent
- Loans on real estate terms14
- Loans on working capital terms, 120 months or shorter16
- Franchise loans5
- Franchise share of approvals15.2 percent
- Leading industry by approval countLessors of Miniwarehouses and Self-Storage Units (4)
- Most active lenderColumbia Bank (4)
- 504 approvals recorded9
- 504 gross approval dollars$3.5 m
- Average 504 approval$392,889
- Median 504 approval$272,000
- Distinct CDCs active2
- 504 jobs per approval4.6
- 504 jobs per million dollars approved11.6
- Most active CDCEvergreen Business Capital (6)
- 7(a) share of SBA approvals78.6 percent
- Combined SBA approval dollars$24.9 m
The average approval of $646,233 sits close to the median of $575,000, so lending here is fairly evenly sized rather than driven by a few large deals. 42.4 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.
Jefferson County
Do SBA loans in Jefferson County get paid back
- Loans with a final outcome recorded5
- Paid in full5
- Charged off0
- Status: Exempt from disclosure25
- Status: Paid in full5
- Status: Cancelled3
Too few loans have reached a final outcome to publish a charge off rate. only 5 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 lending9
- PORT TOWNSEND, approvals18
- QUILCENE, approvals3
- PORT HADLOCK, approvals3
- BRINNON, approvals2
- OAK HARBOR, approvals2
- CHIMACUM, approvals2
| Place | Approvals | Gross approval dollars |
|---|---|---|
| PORT TOWNSEND | 18 | $13,321,700 |
| QUILCENE | 3 | $1,620,500 |
| PORT HADLOCK | 3 | $1,973,000 |
| BRINNON | 2 | $2,016,500 |
| OAK HARBOR | 2 | $479,000 |
| CHIMACUM | 2 | $75,000 |
| PORT HADLOCK - IRONDALE | 1 | $1,110,000 |
| PORT LUDLOW | 1 | $50,000 |
PORT TOWNSEND accounts for 18 approvals against 3 in QUILCENE. 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 area1,804 sq mi
- Rank by land area among Washington counties18th of 39
- Width, east to west92.8 mi
- Height, north to south43.2 mi
- Geographies sharing a boundary4
- Residents per square mile of land19
- Establishments per square mile0.55
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.
- Population33,577
- Households16,340
- Average household size2.05
- Median household income$74,048
- Median age59.8
Common questions
Jefferson County questions, answered from the record.
How many people live in Jefferson County, Washington?
33,577, in 16,340 households, ranking 27th of 39 Washington counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Jefferson County growing?
The population has grown 2.95 percent since the 2020 census base. In 2024 there were 156 births against 437 deaths, with net migration of 502. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Jefferson County?
$74,048. The median owner-occupied home is valued at $535,000, which is 7.2 times income, and median gross rent is $1,522 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Jefferson County?
991 establishments, employing 7,237 people with an annual payroll of $381.6 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 $58,601, or $1,127 a week, across 9,107 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?
33 7(a) approvals totalling $21.3 m since FY2020, across 18 lenders, with a median approval of $575,000, plus 9 504 approvals worth $3.5 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Jefferson County?
147 housing units were authorised by permit in 2024, with a declared construction value of $47.5 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Jefferson 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 Jefferson County come from?
The largest single origin is Jefferson County Non-migrants, with 14,506 households. Arriving households report an average income of $112,549 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.