HomeCaliforniaCalaveras County
Calaveras County, California: commercial real estate data.
Calaveras County, California had an estimated 46,505 residents on July 1, 2024, up 2.7 percent since the 2020 census base of 45,284, across 1,020 square miles. County output reached $2.07 bn in 2024, 986 establishments operate here, and the SBA record carries 48 7(a) approvals worth $22.8 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Calaveras County
How many people live in Calaveras County
- Population, American Community Survey 2020-202446,248
- Households18,437
- Average household size2.51
- Median household income$78,647
- Median age52.0
- Median gross rent$1,625 per month
- Median owner-occupied home value$457,200
- Home value to household income5.8 times
- Annual rent as a share of median income24.8 percent
- Adults 25 and over with a bachelor degree or higher23.9 percent
- Adults 25 and over with a graduate degree7.7 percent
- Adults 25 and over35,917
- Population under 187,833
- Share under 1816.9 percent
- Population 65 and over13,517
- Share 65 and over29.2 percent
- Working age population, 18 to 6424,898
- Civilian labor force19,422
- Unemployment rate4.5 percent
- Labor force participation, adults 18 and over50.6 percent
- Rank by population among California counties44th of 58
- Rank by population among US county-equivalents, Puerto Rico included1072nd of 3,222
Calaveras County is the 44th largest of 58 California counties by population. A median home costs 5.8 times median household income, which is severely unaffordable by national standards. Residents 65 and over outnumber those under 18, at 29.2 percent against 16.9 percent, which points demand at health care, services and single story product rather than schools.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Calaveras County
Is Calaveras County's population growing?
- Population, July 1, 202446,505
- Census 2020 base population45,284
- Population change since the 2020 census base2.70 percent
- Population change, 2023 to 2024-75
- Births, 2024341
- Deaths, 2024572
- Natural change, 2024-231
- Net domestic migration, 202467
- Net international migration, 202490
- Total net migration, 2024157
- Cumulative net domestic migration, 2021 to 20241,924
- Rank by growth among US county-equivalents950th of 3,144
The county has grown 2.70 percent since the 2020 census base. Deaths exceeded births in 2024 by more than net migration added, so the population fell even though more people moved in than left.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Calaveras County
Where are people moving to Calaveras County from?
- Tax returns filed by households arriving1,647
- People arriving, from those returns3,082
- Tax returns filed by households leaving1,440
- Net household movement207
- Adjusted gross income arriving$154.7 m
- Net adjusted gross income movement$31.8 m
- Average income of an arriving household$93,950
- Average income of a leaving household$85,352
- Largest single originSan Joaquin County (344 households)
- Largest single destinationSan Joaquin County (133 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| San Joaquin County | 344 | 786 | $28.1 m |
| Alameda County | 120 | 244 | $18.9 m |
| Contra Costa County | 115 | 215 | $15.4 m |
| Sacramento County | 110 | 189 | $8.4 m |
| Stanislaus County | 106 | 218 | $7.6 m |
| Santa Clara County | 100 | 161 | $18.9 m |
| Tuolumne County | 86 | 132 | $4.7 m |
| Amador County | 62 | 113 | $3.9 m |
Households arriving report $8,598 more average income than households leaving, so the migration is raising local spending power rather than just moving it around. The largest single source of arrivals is San Joaquin County, 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.
Calaveras County
What is the Calaveras County economy?
- County GDP, 2024$2.07 bn
- County GDP, 2023$1.92 bn
- GDP change, 2023 to 20247.8 percent
- GDP change over five years42.5 percent
- Rank by GDP among the California areas BEA publishes46th of 58
- Rank by GDP among the US county areas BEA publishes1242nd of 3,127
- GDP per resident$44,852
Output grew 7.8 percent in the latest year and 42.5 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.
Calaveras County
Employment by industry in Calaveras County
- Covered employment, annual average10,263
- Establishments reporting1,514
- Average annual pay$57,838
- Average weekly wage$1,112
- Health care and social assistance, employment1,334
- Health care and social assistance, average annual pay$50,189
- Retail trade, employment1,283
- Retail trade, average annual pay$37,156
- Accommodation and food services, employment980
- Accommodation and food services, average annual pay$25,502
- Construction, employment973
- Construction, average annual pay$77,087
- Professional, scientific and technical services, employment548
- Other services, except public administration, employment345
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 1,334 | 511 | $50,189 |
| Retail trade | 1,283 | 126 | $37,156 |
| Accommodation and food services | 980 | 108 | $25,502 |
| Construction | 973 | 212 | $77,087 |
| Professional, scientific and technical services | 548 | 73 | $93,785 |
| Other services, except public administration | 345 | 71 | $36,293 |
| Arts, entertainment and recreation | 325 | 21 | $31,757 |
| Manufacturing | 305 | 48 | $45,709 |
Health care and social assistance is the largest private sector at 1,334 jobs, 13.0 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Calaveras County
How many businesses are in Calaveras County?
- Establishments, all industries986
- Employment at those establishments7,149
- Annual payroll$339.1 m
- Establishments per 1,000 residents21.3
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against. County Business Patterns counts private establishments with paid employees in March 2023, while the Quarterly Census of Employment and Wages above counts every unemployment-insured employer, public ones included, as a 2024 annual average, so the two establishment and employment counts differ.
US Census Bureau, County Business Patterns, 2023.
Calaveras County
Building permits in Calaveras County
- Housing units authorized by permit, 202472
- Declared construction value permitted$28.5 m
- Single family units authorized72
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$395,775
- Units authorized per 1,000 households3.9
Single-family homes are 100.0 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Calaveras County
SBA loans in Calaveras County (7(a) and 504)
- 7(a) approvals recorded48
- 7(a) gross approval dollars$22.8 m
- Average 7(a) approval$475,638
- Median 7(a) approval$140,000
- 10th percentile approval$13,380
- 90th percentile approval$1,507,190
- Largest single approval$2,738,000
- Jobs reported supported, 7(a)252
- Jobs per approval5.3
- Distinct 7(a) lenders active19
- Distinct industries receiving approvals37
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer35.4 percent
- Loans on real estate terms17
- Loans on working capital terms, 120 months or shorter30
- Franchise loans3
- Franchise share of approvals6.3 percent
- Leading industry by approval countResidential Remodelers (5)
- Most active lenderColumbia Bank (11)
- 504 approvals recorded13
- 504 gross approval dollars$10.9 m
- Average 504 approval$841,923
- Median 504 approval$754,000
- Distinct CDCs active7
- 504 jobs per approval3.3
- 504 jobs per million dollars approved3.9
- Most active CDCSuccess Capital Expansion & Development Corporation (4)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$33.8 m
The average approval of $475,638 sits well above the median of $140,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. 35.4 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.
Calaveras County
SBA loan default and charge-off rates in Calaveras County
Do SBA loans in Calaveras County get paid back?
- Loans with a final outcome recorded13
- Paid in full12
- Charged off1
- Status: Paid in full12
- Status: Exempt from disclosure27
- Status: Cancelled5
- Status: Charged off1
- Status: Committed, not yet disbursed3
Only 13 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
Compare against the national and state SBA charge-off rates, computed the same way over resolved loans only.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Calaveras County
SBA lending by place in Calaveras County
- Borrower cities with recorded lending11
- Valley Springs, approvals12
- Angels Camp, approvals11
- San Andreas, approvals8
- Mokelumne Hill, approvals5
- Murphys, approvals3
- West Point, approvals3
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Valley Springs | 12 | $2,303,800 |
| Angels Camp | 11 | $7,853,300 |
| San Andreas | 8 | $5,994,500 |
| Mokelumne Hill | 5 | $916,400 |
| Murphys | 3 | $2,377,300 |
| West Point | 3 | $2,234,500 |
| Copperopolis | 2 | $449,500 |
| Stockton | 1 | $538,300 |
| 3 other borrower cities | 3 | $163,000 |
Valley Springs accounts for 12 approvals against 11 in Angels Camp. 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.
Calaveras County
How large is Calaveras County?
- Land area1,020 sq mi
- Rank by land area among California counties40th of 58
- Width, east to west53 mi
- Height, north to south46.9 mi
- Geographies sharing a boundary5
- Residents per square mile of land45
- Establishments per square mile0.97
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.
Calaveras County
Flood risk in Calaveras County
- Participation of the county's own NFIP community Calaveras County, unincorporated areasParticipating, community 060633
- Communities in the county in the NFIP Community Status Book2
- Of those, participating in the NFIP2
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
- Radon levels in Calaveras County, EPA zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
The county's own community in the status book, unincorporated Calaveras County (community 060633), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Calaveras County in radon zone 2, a predicted average indoor radon screening level from 2 to 4 pCi/L. The zone is a screening prediction for the county and does not substitute for a test at an address. 100.0 percent of the county's listed communities participate in the National Flood Insurance Program, per Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26. US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Coverage
What this page does not hold.
Traffic counts, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Feasibility studies
When a Calaveras 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 Calaveras County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202446,248
- Households18,437
- Average household size2.51
- Median household income$78,647
- Median age52.0
Common questions
Calaveras County questions, answered from the record.
How many people live in Calaveras County, California?
The Census Bureau estimates 46,505 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 46,248, in 18,437 households, ranking 44th of 58 California counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Calaveras County's population growing?
The population has grown 2.70 percent since the 2020 census base of 45,284, to 46,505 on July 1, 2024. In 2024 there were 341 births against 572 deaths, with net migration of 157. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Calaveras County?
$78,647. The median owner-occupied home is valued at $457,200, which is 5.8 times income, and median gross rent is $1,625 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Calaveras County?
986 establishments, employing 7,149 people with an annual payroll of $339.1 m. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is employment by industry in Calaveras County?
Health care and social assistance is the largest private sector at 1,334 jobs, 13.0 percent of covered employment. Covered employment averages 10,263 jobs at an average annual pay of $57,838, or $1,112 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Calaveras County?
48 7(a) approvals totaling $22.8 m since FY2020, across 19 lenders, with a median approval of $140,000, plus 13 504 approvals worth $10.9 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Calaveras County?
72 housing units were authorized by permit in 2024, with a declared construction value of $28.5 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Calaveras 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 Calaveras County come from?
The largest single origin is San Joaquin County, with 344 households. Arriving households report an average income of $93,950 against $85,352 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Calaveras 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 Calaveras County?
No. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame, to be confirmed locally.
Calaveras County
Cities and places in Calaveras.
23 Census places lie wholly or partly in Calaveras County. 22 carry enough published place level data for a page of their own and are linked. The rest are named here and not linked, because the American Community Survey and the SBA record between them do not carry enough about them to write an honest page. A place existing is itself worth knowing, so nothing in the county is left out.
| Place | Type | Population | SBA 7(a) approvals, projects in this county | Lies in |
|---|---|---|---|---|
| Rancho Calaveras | CDP | 7,131 | None recorded | Wholly in this county |
| Copperopolis | CDP | 4,285 | 2 | Wholly in this county |
| Angels | city | 3,716 | None recorded | Wholly in this county |
| San Andreas | CDP | 2,979 | 8 | Wholly in this county |
| Arnold | CDP | 2,482 | None recorded | Wholly in this county |
| Murphys | CDP | 1,951 | 3 | Wholly in this county |
| Forest Meadows | CDP | 1,623 | None recorded | Wholly in this county |
| Mokelumne Hill | CDP | 968 | 5 | Wholly in this county |
| Valley Springs | CDP | 910 | 12 | Wholly in this county |
| West Point | CDP | 909 | 3 | Wholly in this county |
| Wilseyville | CDP | 798 | None recorded | Wholly in this county |
| Wallace | CDP | 714 | None recorded | Wholly in this county |
| Vallecito | CDP | 562 | None recorded | Wholly in this county |
| Rail Road Flat | CDP | 498 | None recorded | Wholly in this county |
| Paloma | CDP | 450 | None recorded | Wholly in this county |
| Dorrington | CDP | 406 | None recorded | Wholly in this county |
| Mountain Ranch | CDP | 324 | 1 | Wholly in this county |
| Avery | CDP | 268 | 1 | Wholly in this county |
| Glencoe | CDP | 258 | None recorded | Wholly in this county |
| Douglas Flat | CDP | 181 | None recorded | Wholly in this county |
| Hathaway Pines | CDP | 163 | None recorded | Wholly in this county |
| Campo Seco | CDP | 132 | None recorded | Wholly in this county |
| Sheep Ranch | CDP | 0 | None recorded | Wholly in this county |
A further 13 of the county's 48 SBA 7(a) approvals are to borrowers in cities that match no Census place in Calaveras County, the largest being Angels Camp (11), Stockton (1), Riverside (1). Those are postal cities, unincorporated areas and cities outside the county, so no place row claims them; they are counted in the county total above.
Nearby