HomeWashingtonStevens County
Stevens County, Washington: commercial real estate data.
Stevens County, Washington has a population of 48,067 across 2,478 square miles, up 5.5 percent since the 2020 census base. County output reached $1.75 bn in 2024, 943 establishments operate here, and the SBA record carries 55 7(a) approvals worth $7.8 m.
123 sourced county values · tier FULL · 11 sections
Stevens County
How many people live in Stevens County
- Population48,067
- Households19,374
- Average household size2.48
- Median household income$69,327
- Median age46.9
- Median gross rent$898 per month
- Median owner-occupied home value$350,600
- Home value to household income5.1 times
- Annual rent as a share of median income15.5 percent
- Adults 25 and over with a bachelor degree or higher22.2 percent
- Adults 25 and over with a graduate degree7.9 percent
- Adults 25 and over34,909
- Population under 1810,166
- Share under 1821.1 percent
- Population 65 and over12,178
- Share 65 and over25.3 percent
- Working age population, 18 to 6425,723
- Civilian labor force19,452
- Unemployment rate5.3 percent
- Labor force participation, adults 18 and over51.3 percent
- Rank by population among Washington counties22nd of 39
- Rank by population among US county-equivalents1038th
Stevens County is the 22nd largest of 39 Washington 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 25.3 percent against 21.1 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.
Stevens County
Is Stevens County growing
- Population change since the 2020 census base5.53 percent
- Census 2020 base population46,446
- Births, 2024437
- Deaths, 2024629
- Natural change, 2024-192
- Net domestic migration, 2024363
- Net international migration, 202412
- Total net migration, 2024375
- Cumulative net domestic migration, 2021 to 20243,054
- Rank by growth among US county-equivalents471st
The county has grown 5.53 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.
Stevens County
Where people moving to Stevens County come from
- Tax returns filed by households arriving1,591
- People arriving, from those returns3,018
- Adjusted gross income arriving$114.2 m
- Net adjusted gross income movement$0
- Average income of an arriving household$71,809
- Largest single originStevens County Non-migrants (16,438 households)
- Largest single destination (16,438 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Stevens County Non-migrants | 16,438 | 34,678 | $1.19 bn |
| Spokane County | 582 | 1,118 | $39.9 m |
| Other flows - Different State | 494 | 919 | $35.8 m |
| Other flows - West | 377 | 709 | $27.9 m |
| Other flows - Same State | 204 | 400 | $13.0 m |
| Other flows - South | 72 | 132 | $4.6 m |
| King County | 68 | 114 | $7.0 m |
| Snohomish County | 54 | 109 | $4.4 m |
The largest single source of arrivals is Stevens 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.
Stevens County
What the Stevens County economy runs on
- County GDP, 2024$1.75 bn
- County GDP, 2023$1.61 bn
- GDP change, 2023 to 20249.3 percent
- GDP change over five years48.1 percent
- Rank by GDP among Washington counties28th
- Rank by GDP among US county-equivalents1391st
- GDP per resident$36,496
Output grew 9.3 percent in the latest year and 48.1 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.
Stevens County
Who employs people in Stevens County
- Covered employment, annual average11,512
- Establishments reporting1,025
- Average annual pay$53,211
- Average weekly wage$1,023
- Sector 62, employment1,914
- Sector 62, average annual pay$56,073
- Sector 44-45, employment1,247
- Sector 44-45, average annual pay$35,825
- Sector 31-33, employment1,148
- Sector 31-33, average annual pay$63,205
- Sector 72, employment648
- Sector 72, average annual pay$24,640
- Sector 23, employment500
- Sector 56, employment359
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 1,914 | 102 | $56,073 |
| Sector 44-45 | 1,247 | 90 | $35,825 |
| Sector 31-33 | 1,148 | 48 | $63,205 |
| Sector 72 | 648 | 69 | $24,640 |
| Sector 23 | 500 | 147 | $53,356 |
| Sector 56 | 359 | 62 | $66,852 |
| Sector 48-49 | 330 | 38 | $49,086 |
| Sector 52 | 226 | 30 | $64,194 |
The largest sector is the biggest private employer group at 1,914 jobs, 16.6 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.
Stevens County
What businesses operate in Stevens County
- Establishments, all industries943
- Employment at those establishments8,423
- Annual payroll$418.3 m
- Establishments per 1,000 residents19.6
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.
Stevens County
What is being built in Stevens County
- Housing units authorised by permit, 2024335
- Declared construction value permitted$76.5 m
- Single family units authorised261
- Multifamily units authorised74
- Multifamily share of units22.1 percent
- Average declared value per unit$228,468
- Units authorised per 1,000 households17.3
Multifamily is 22.1 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Stevens County
How much SBA lending happens in Stevens County
- 7(a) approvals recorded55
- 7(a) gross approval dollars$7.8 m
- Average 7(a) approval$142,462
- Median 7(a) approval$75,000
- 10th percentile approval$22,000
- 90th percentile approval$295,800
- Largest single approval$800,000
- Jobs reported supported, 7(a)339
- Jobs per approval6.2
- Distinct 7(a) lenders active14
- Distinct industries receiving approvals21
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer7.4 percent
- Loans on real estate terms4
- Loans on working capital terms, 120 months or shorter49
- Franchise loans1
- Franchise share of approvals1.8 percent
- Leading industry by approval countRecreational Goods Rental (15)
- Most active lenderBanner Bank (21)
- 504 approvals recorded5
- 504 gross approval dollars$5.8 m
- Average 504 approval$1,161,200
- Median 504 approval$1,207,000
- Distinct CDCs active1
- 504 jobs per approval8.6
- 504 jobs per million dollars approved7.4
- Most active CDCNorthwest Business Development Association (5)
- 7(a) share of SBA approvals91.7 percent
- Combined SBA approval dollars$13.6 m
The average approval of $142,462 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 7.4 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.
Stevens County
Do SBA loans in Stevens County get paid back
- Loans with a final outcome recorded23
- Paid in full22
- Charged off1
- Charge off rate on resolved loans4.3 percent
- Status: Exempt from disclosure29
- Status: Paid in full22
- Status: Charged off1
- Status: Cancelled1
- Status: Committed, not yet disbursed2
| NAICS | Industry | Resolved loans | Charged off | Charge off rate |
|---|---|---|---|---|
| 532284 | Recreational Goods Rental | 11 | 0 | 0.0% |
Of the 23 loans that have reached a final outcome, 4.3 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. Among industries with at least ten resolved loans, Recreational Goods Rental carries the highest charge off rate at 0.0 percent.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Stevens County
Which parts of Stevens County get the lending
- Places in the county with recorded lending11
- NINE MILE FALLS, approvals18
- COLVILLE, approvals16
- Addy, approvals5
- KETTLE FALLS, approvals4
- LOON LAKE, approvals3
- CHEWELAH, approvals2
| Place | Approvals | Gross approval dollars |
|---|---|---|
| NINE MILE FALLS | 18 | $2,504,400 |
| COLVILLE | 16 | $1,961,200 |
| Addy | 5 | $1,276,000 |
| KETTLE FALLS | 4 | $631,000 |
| LOON LAKE | 3 | $590,800 |
| CHEWELAH | 2 | $100,000 |
| SPRINGDALE | 2 | $80,000 |
| TUMTUM | 2 | $320,000 |
NINE MILE FALLS accounts for 18 approvals against 16 in COLVILLE. 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.
Stevens County
How big is Stevens County
- Land area2,478 sq mi
- Rank by land area among Washington counties5th of 39
- Width, east to west44.7 mi
- Height, north to south83.2 mi
- Geographies sharing a boundary4
- Residents per square mile of land19
- Establishments per square mile0.38
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 Stevens 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 Stevens County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population48,067
- Households19,374
- Average household size2.48
- Median household income$69,327
- Median age46.9
Common questions
Stevens County questions, answered from the record.
How many people live in Stevens County, Washington?
48,067, in 19,374 households, ranking 22nd of 39 Washington counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Stevens County growing?
The population has grown 5.53 percent since the 2020 census base. In 2024 there were 437 births against 629 deaths, with net migration of 375. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Stevens County?
$69,327. The median owner-occupied home is valued at $350,600, which is 5.1 times income, and median gross rent is $898 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Stevens County?
943 establishments, employing 8,423 people with an annual payroll of $418.3 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 Stevens County?
Average annual pay is $53,211, or $1,023 a week, across 11,512 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Stevens County?
55 7(a) approvals totalling $7.8 m since FY2020, across 14 lenders, with a median approval of $75,000, plus 5 504 approvals worth $5.8 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Stevens County get paid back?
Of the 23 loans that have reached a final outcome, 22 were paid in full and 1 charged off, a charge off rate of 4.3 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Stevens County?
335 housing units were authorised by permit in 2024, with a declared construction value of $76.5 m. Multifamily was 22.1 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Stevens 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 Stevens County come from?
The largest single origin is Stevens County Non-migrants, with 16,438 households. Arriving households report an average income of $71,809 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 Stevens 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 Stevens 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.