HomeCaliforniaHumboldt CountyFerndale
Ferndale, California: commercial real estate data.
Ferndale is a Census city of 1,552 people across 1.21 square miles of land, in Humboldt County. Median household income is $63,142, 60.6 percent of occupied homes are owned, and the SBA record carries 8 7(a) approvals to borrowers here worth $770,000 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Ferndale
What Ferndale is
- Census place typecity
- Land area1.21 sq mi
- Water area0 sq mi
- Population per square mile of land1,286 plus or minus 288
- County holding the largest share of its areaHumboldt County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ferndale
How many people live in Ferndale
- Population1,552 plus or minus 348
- Median age61.2
- Population under 18119 plus or minus 50
- Share under 187.7 percent plus or minus 2.8
- Population 65 and over558 plus or minus 140
- Share 65 and over36.0 percent
- Households757
- Family households410 plus or minus 124
- Share of households that are families54.2 percent plus or minus 12.8
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ferndale
Income and work in Ferndale
- Median household income$63,142 plus or minus $14,048
- Per capita income$42,645
- Civilian labor force691 plus or minus 214
- Employed649 plus or minus 206
- Unemployed42 plus or minus 52
- Unemployment rate6.1 percent plus or minus 7.3
- Adults 25 and over1,185 plus or minus 262
- Adults 25 and over with a high school diploma or higher93.9 percent plus or minus 28.5
- Adults 25 and over with a bachelor degree or higher32.1 percent plus or minus 8.1
- Adults 25 and over with a graduate degree6.6 percent plus or minus 3.4
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ferndale
Housing in Ferndale
- Housing units875
- Occupied units757
- Vacant units118 plus or minus 56
- Vacancy rate13.5 percent plus or minus 6.0
- Owner occupied459 plus or minus 120
- Renter occupied298 plus or minus 115
- Ownership rate60.6 percent
- Median owner-occupied home value$542,000
- Median gross rent, monthly$1,028
- Annual rent as a share of median income19.5 percent plus or minus 4.7
- Single family units710
- Share single family81.1 percent
- Units in buildings of two or more165 plus or minus 113
- Share in buildings of two or more18.9 percent plus or minus 12.6
- Mobile homes0
- Median year structure built1953
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ferndale
How Ferndale gets to work
- Workers 16 and over who commute545 plus or minus 195
- Commuting under 15 minutes168 plus or minus 77
- Share commuting under 15 minutes30.8 percent plus or minus 8.8
- Commuting 30 minutes or more115 plus or minus 96
- Share commuting 30 minutes or more21.1 percent plus or minus 16.0
- Drove alone68.4 percent
- Carpooled13.3 percent plus or minus 12.1
- Public transport0.0 percent
- Walked1.7 percent plus or minus 1.8
- Worked from home16.0 percent plus or minus 9.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ferndale
SBA loans in Ferndale (7(a))
- Approvals8
- Gross approval$770,000
- Average approval$96,250
- Median approval$100,000
- Largest approval$150,000
- Jobs supported114
- Jobs per approval14.3
- Loans with a final outcome3
- Paid in full3
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises0.0 percent
- Distinct lenders5
- Distinct industries by NAICS7
Counted by borrower city: approvals to borrowers whose address is in Ferndale, in any county, FY2020 to FY2026. Only 3 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Ferndale
SBA loans in Ferndale (504)
- Approvals1
- Gross approval$184,000
- Average approval$184,000
- Median approval$184,000
- Largest approval$184,000
- Jobs supported22
- Loans with a final outcome0
- Charged off0
- Median term300 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Ferndale, in any county, FY2010 to FY2026. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Ferndale
Flood risk in Ferndale
- NFIP communityCity of Ferndale
- NFIP community number060445
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date11/04/16
The City of Ferndale participates in the National Flood Insurance Program as community 060445 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Humboldt County, not Ferndale
Humboldt County context, not Ferndale figures
- Establishments in Humboldt County3,178
- Covered employment, Humboldt County51,858
- Average annual pay, Humboldt County$55,212
- Housing units permitted, Humboldt County194
Every figure in this section is published for Humboldt County as a whole and is not a measurement of Ferndale.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, 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 →
Common questions
Ferndale questions, answered from the record.
How many people live in Ferndale, California?
1,552, in 757 households. Ferndale city covers 1.21 square miles of land, which is 1,286 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Ferndale in?
Humboldt County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Ferndale?
$63,142. The median owner-occupied home is valued at $542,000. Median gross rent is $1,028 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Ferndale businesses?
8 7(a) approvals totaling $770,000 since FY2020, across 5 lenders, median approval $100,000, plus 1 504 approvals worth $184,000 since FY2010. These count approvals to borrowers whose address is in Ferndale, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Ferndale borrowers get paid back?
No rate is published for Ferndale. Only 3 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Ferndale in the National Flood Insurance Program?
Yes. Ferndale appears in the FEMA Community Status Book as Ferndale, city of, community 060445, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Ferndale figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Humboldt County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Ferndale.
Is zoning published for Ferndale?
No. Nothing on this page presents parcel level zoning.