HomeWashingtonOkanogan County
Okanogan County, Washington: commercial real estate data.
Okanogan County, Washington has a population of 43,425 across 5,268 square miles, up 6.8 percent since the 2020 census base. County output reached $2.35 bn in 2024, 1,202 establishments operate here, and the SBA record carries 49 7(a) approvals worth $22.0 m.
122 sourced county values · tier FULL · 11 sections
Okanogan County
How many people live in Okanogan County
- Population43,425
- Households17,540
- Average household size2.48
- Median household income$63,207
- Median age43.2
- Median gross rent$887 per month
- Median owner-occupied home value$299,800
- Home value to household income4.7 times
- Annual rent as a share of median income16.8 percent
- Adults 25 and over with a bachelor degree or higher24.7 percent
- Adults 25 and over with a graduate degree9.6 percent
- Adults 25 and over31,265
- Population under 189,387
- Share under 1821.6 percent
- Population 65 and over10,074
- Share 65 and over23.2 percent
- Working age population, 18 to 6423,964
- Civilian labor force19,327
- Unemployment rate4.5 percent
- Labor force participation, adults 18 and over56.8 percent
- Rank by population among Washington counties26th of 39
- Rank by population among US county-equivalents1140th
Okanogan County is the 26th largest of 39 Washington counties by population. A median home costs 4.7 times median household income, which is an affordable ownership market by national standards. Residents 65 and over outnumber those under 18, at 23.2 percent against 21.6 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.
Okanogan County
Is Okanogan County growing
- Population change since the 2020 census base6.76 percent
- Census 2020 base population42,097
- Births, 2024450
- Deaths, 2024522
- Natural change, 2024-72
- Net domestic migration, 2024188
- Net international migration, 2024830
- Total net migration, 20241,018
- Cumulative net domestic migration, 2021 to 20241,314
- Rank by growth among US county-equivalents321st
The county has grown 6.76 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.
Okanogan County
Where people moving to Okanogan County come from
- Tax returns filed by households arriving1,152
- People arriving, from those returns2,116
- Adjusted gross income arriving$89.4 m
- Net adjusted gross income movement$0
- Average income of an arriving household$77,567
- Largest single originOkanogan County Non-migrants (15,549 households)
- Largest single destination (15,549 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Okanogan County Non-migrants | 15,549 | 31,906 | $1.04 bn |
| Other flows - Different State | 322 | 549 | $23.9 m |
| Other flows - Same State | 199 | 395 | $12.2 m |
| Other flows - West | 198 | 346 | $16.8 m |
| King County | 121 | 214 | $22.5 m |
| Douglas County | 118 | 236 | $4.6 m |
| Snohomish County | 80 | 141 | $7.2 m |
| Other flows - South | 78 | 131 | $3.9 m |
The largest single source of arrivals is Okanogan 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.
Okanogan County
What the Okanogan County economy runs on
- County GDP, 2024$2.35 bn
- County GDP, 2023$2.19 bn
- GDP change, 2023 to 20247.4 percent
- GDP change over five years50.3 percent
- Rank by GDP among Washington counties25th
- Rank by GDP among US county-equivalents1148th
- GDP per resident$54,178
Output grew 7.4 percent in the latest year and 50.3 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.
Okanogan County
Who employs people in Okanogan County
- Covered employment, annual average17,034
- Establishments reporting1,627
- Average annual pay$48,554
- Average weekly wage$934
- Sector 44-45, employment2,190
- Sector 44-45, average annual pay$36,823
- Sector 62, employment1,664
- Sector 62, average annual pay$51,744
- Sector 72, employment1,115
- Sector 72, average annual pay$27,041
- Sector 31-33, employment673
- Sector 31-33, average annual pay$44,143
- Sector 23, employment550
- Sector 81, employment300
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 2,190 | 172 | $36,823 |
| Sector 62 | 1,664 | 144 | $51,744 |
| Sector 72 | 1,115 | 133 | $27,041 |
| Sector 31-33 | 673 | 37 | $44,143 |
| Sector 23 | 550 | 196 | $47,700 |
| Sector 81 | 300 | 97 | $33,585 |
| Sector 71 | 250 | 24 | $30,609 |
| Sector 42 | 203 | 43 | $65,523 |
The largest sector is the biggest private employer group at 2,190 jobs, 12.9 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.
Okanogan County
What businesses operate in Okanogan County
- Establishments, all industries1,202
- Employment at those establishments8,819
- Annual payroll$421.9 m
- Establishments per 1,000 residents27.7
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.
Okanogan County
What is being built in Okanogan County
- Housing units authorised by permit, 2024246
- Declared construction value permitted$49.4 m
- Single family units authorised218
- Multifamily units authorised28
- Multifamily share of units11.4 percent
- Average declared value per unit$200,822
- Units authorised per 1,000 households14.0
Multifamily is 11.4 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Okanogan County
How much SBA lending happens in Okanogan County
- 7(a) approvals recorded49
- 7(a) gross approval dollars$22.0 m
- Average 7(a) approval$449,137
- Median 7(a) approval$75,000
- 10th percentile approval$20,000
- 90th percentile approval$1,495,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)455
- Jobs per approval9.3
- Distinct 7(a) lenders active18
- Distinct industries receiving approvals31
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer20.4 percent
- Loans on real estate terms10
- Loans on working capital terms, 120 months or shorter34
- Franchise loans3
- Franchise share of approvals6.1 percent
- Leading industry by approval countResidential Remodelers (4)
- Most active lenderColumbia Bank (15)
- 504 approvals recorded5
- 504 gross approval dollars$2.7 m
- Average 504 approval$542,600
- Median 504 approval$402,000
- Distinct CDCs active2
- 504 jobs per approval4.0
- 504 jobs per million dollars approved7.4
- Most active CDCNorthwest Business Development Association (4)
- 7(a) share of SBA approvals90.7 percent
- Combined SBA approval dollars$24.7 m
The average approval of $449,137 sits well above the median of $75,000, 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 20.4 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.
Okanogan County
Do SBA loans in Okanogan County get paid back
- Loans with a final outcome recorded4
- Paid in full3
- Charged off1
- Status: Exempt from disclosure37
- Status: Paid in full3
- Status: Cancelled6
- Status: Charged off1
- Status: Committed, not yet disbursed2
Too few loans have reached a final outcome to publish a charge off rate. only 4 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.
Okanogan County
Which parts of Okanogan County get the lending
- Places in the county with recorded lending8
- Oroville, approvals13
- WINTHROP, approvals8
- Tonasket, approvals7
- OMAK, approvals6
- TWISP, approvals6
- Brewster, approvals5
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Oroville | 13 | $781,000 |
| WINTHROP | 8 | $5,761,400 |
| Tonasket | 7 | $7,130,300 |
| OMAK | 6 | $2,210,500 |
| TWISP | 6 | $3,551,500 |
| Brewster | 5 | $661,000 |
| COULEE DAM | 3 | $1,862,000 |
| PATEROS | 1 | $50,000 |
Oroville accounts for 13 approvals against 8 in WINTHROP. 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.
Okanogan County
How big is Okanogan County
- Land area5,268 sq mi
- Rank by land area among Washington counties1st of 39
- Width, east to west92.6 mi
- Height, north to south73.2 mi
- Geographies sharing a boundary7
- Residents per square mile of land8
- Establishments per square mile0.23
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 Okanogan 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 Okanogan County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population43,425
- Households17,540
- Average household size2.48
- Median household income$63,207
- Median age43.2
Common questions
Okanogan County questions, answered from the record.
How many people live in Okanogan County, Washington?
43,425, in 17,540 households, ranking 26th of 39 Washington counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Okanogan County growing?
The population has grown 6.76 percent since the 2020 census base. In 2024 there were 450 births against 522 deaths, with net migration of 1,018. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Okanogan County?
$63,207. The median owner-occupied home is valued at $299,800, which is 4.7 times income, and median gross rent is $887 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Okanogan County?
1,202 establishments, employing 8,819 people with an annual payroll of $421.9 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 Okanogan County?
Average annual pay is $48,554, or $934 a week, across 17,034 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Okanogan County?
49 7(a) approvals totalling $22.0 m since FY2020, across 18 lenders, with a median approval of $75,000, plus 5 504 approvals worth $2.7 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Okanogan County?
246 housing units were authorised by permit in 2024, with a declared construction value of $49.4 m. Multifamily was 11.4 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Okanogan County?
Zone 1, a predicted average indoor radon screening level greater than 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 Okanogan County come from?
The largest single origin is Okanogan County Non-migrants, with 15,549 households. Arriving households report an average income of $77,567 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 Okanogan 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 Okanogan 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.