HomeCaliforniaKern County
Kern County, California: commercial real estate data.
Kern County, California has a population of 915,075 across 8,132 square miles, up 1.5 percent since the 2020 census base. County output reached $63.07 bn in 2024, 14,352 establishments operate here, and the SBA record carries 644 7(a) approvals worth $471.3 m.
129 sourced county values · tier FULL · 12 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Kern County
How many people live in Kern County
- Population915,075
- Households284,931
- Average household size3.21
- Median household income$70,210
- Median age32.7
- Median gross rent$1,300 per month
- Median owner-occupied home value$338,300
- Home value to household income4.8 times
- Annual rent as a share of median income22.2 percent
- Adults 25 and over with a bachelor degree or higher18.8 percent
- Adults 25 and over with a graduate degree6.5 percent
- Adults 25 and over563,569
- Population under 18261,490
- Share under 1828.6 percent
- Population 65 and over108,560
- Share 65 and over11.9 percent
- Working age population, 18 to 64545,025
- Civilian labor force400,303
- Unemployment rate8.6 percent
- Labor force participation, adults 18 and over61.2 percent
- Rank by population among California counties11th of 58
- Rank by population among US county-equivalents63rd
Kern County is the 11th largest of 58 California counties by population. A median home costs 4.8 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 28.6 percent against 11.9 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Kern County
Is Kern County's population growing?
- Population change since the 2020 census base1.46 percent
- Census 2020 base population909,233
- Births, 202410,582
- Deaths, 20247,224
- Natural change, 20243,358
- Net domestic migration, 2024-2,154
- Net international migration, 20244,623
- Total net migration, 20242,469
- Cumulative net domestic migration, 2021 to 2024-11,122
- Rank by growth among US county-equivalents1345th
The county has grown 1.46 percent since the 2020 census base.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Kern County
Where are people moving to Kern County from?
- Tax returns filed by households arriving13,315
- People arriving, from those returns25,872
- Adjusted gross income arriving$726.4 m
- Net adjusted gross income movement$0
- Average income of an arriving household$54,556
- Largest single originKern County Non-migrants (307,495 households)
- Largest single destination (307,495 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Kern County Non-migrants | 307,495 | 680,071 | $20.11 bn |
| Los Angeles County | 4,234 | 8,858 | $231.3 m |
| Other flows - Different State | 2,533 | 4,773 | $151.4 m |
| Other flows - South | 1,030 | 1,941 | $60.3 m |
| Other flows - West | 734 | 1,434 | $47.3 m |
| Tulare County | 549 | 1,025 | $24.2 m |
| Ventura County | 549 | 1,156 | $31.9 m |
| Other flows - Midwest | 516 | 981 | $28.9 m |
The largest single source of arrivals is Kern 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.
Kern County
What is the Kern County economy?
- County GDP, 2024$63.07 bn
- County GDP, 2023$60.18 bn
- GDP change, 2023 to 20244.8 percent
- GDP change over five years37.8 percent
- Rank by GDP among California counties14th
- Rank by GDP among US county-equivalents94th
- GDP per resident$68,923
Output grew 4.8 percent in the latest year and 37.8 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.
Kern County
Largest employers in Kern County
- Covered employment, annual average347,664
- Establishments reporting27,950
- Average annual pay$60,066
- Average weekly wage$1,155
- Sector 11, employment57,718
- Sector 11, average annual pay$38,303
- Sector 62, employment47,178
- Sector 62, average annual pay$54,894
- Sector 44-45, employment31,905
- Sector 44-45, average annual pay$40,848
- Sector 72, employment26,656
- Sector 72, average annual pay$28,334
- Sector 48-49, employment17,844
- Sector 23, employment15,984
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 11 | 57,718 | 835 | $38,303 |
| Sector 62 | 47,178 | 13,352 | $54,894 |
| Sector 44-45 | 31,905 | 2,000 | $40,848 |
| Sector 72 | 26,656 | 1,598 | $28,334 |
| Sector 48-49 | 17,844 | 1,206 | $70,042 |
| Sector 23 | 15,984 | 1,424 | $77,329 |
| Sector 31-33 | 13,261 | 494 | $82,996 |
| Sector 56 | 12,747 | 768 | $54,873 |
The largest sector is the biggest private employer group at 57,718 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.
Kern County
How many businesses are in Kern County?
- Establishments, all industries14,352
- Employment at those establishments219,016
- Annual payroll$12.39 bn
- Establishments per 1,000 residents15.7
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.
Kern County
Building permits in Kern County
- Housing units authorised by permit, 20243,244
- Declared construction value permitted$735.8 m
- Single family units authorised2,812
- Multifamily units authorised432
- Multifamily share of units13.3 percent
- Average declared value per unit$226,805
- Units authorised per 1,000 households11.4
Multifamily is 13.3 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Kern County
SBA loans in Kern County (7(a) and 504)
- 7(a) approvals recorded644
- 7(a) gross approval dollars$471.3 m
- Average 7(a) approval$731,851
- Median 7(a) approval$300,000
- 10th percentile approval$21,900
- 90th percentile approval$2,200,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)6,715
- Jobs per approval10.4
- Distinct 7(a) lenders active90
- Distinct industries receiving approvals193
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer34.2 percent
- Loans on real estate terms220
- Loans on working capital terms, 120 months or shorter416
- Franchise loans95
- Franchise share of approvals14.8 percent
- Leading industry by approval countGasoline Stations with Convenience Stores (43)
- Most active lenderU.S. Bank, National Association (74)
- 504 approvals recorded426
- 504 gross approval dollars$334.4 m
- Average 504 approval$785,026
- Median 504 approval$502,000
- Distinct CDCs active16
- 504 jobs per approval10.3
- 504 jobs per million dollars approved13.1
- Most active CDCCen Cal Business Finance Group (325)
- 7(a) share of SBA approvals60.2 percent
- Combined SBA approval dollars$805.7 m
The average approval of $731,851 sits well above the median of $300,000, 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. 34.2 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.
Kern County
SBA loan default and charge-off rates in Kern County
Do SBA loans in Kern County get paid back?
- Loans with a final outcome recorded118
- Paid in full102
- Charged off16
- Charge off rate on resolved loans13.6 percent
- Status: Exempt from disclosure416
- Status: Charged off16
- Status: Paid in full102
- Status: Cancelled77
- Status: Committed, not yet disbursed33
| NAICS | Industry | Resolved loans | Charged off | Charge off rate |
|---|---|---|---|---|
| 484121 | General Freight Trucking, Long-Distance, Truckload | 15 | 4 | 26.7% |
| 484110 | General Freight Trucking, Local | 10 | 2 | 20.0% |
Of the 118 loans that have reached a final outcome, 13.6 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, General Freight Trucking, Long-Distance, Truckload carries the highest charge off rate at 26.7 percent.
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.
Kern County
SBA lending by place in Kern County
- Places in the county with recorded lending25
- Bakersfield, approvals469
- TEHACHAPI, approvals26
- DELANO, approvals19
- RIDGECREST, approvals15
- Shafter, approvals14
- Lamont, approvals11
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Bakersfield | 469 | $342,076,100 |
| TEHACHAPI | 26 | $12,787,500 |
| DELANO | 19 | $13,464,200 |
| RIDGECREST | 15 | $21,875,500 |
| Shafter | 14 | $11,255,500 |
| Lamont | 11 | $4,577,000 |
| WASCO | 10 | $2,707,800 |
| KERNVILLE | 9 | $7,719,100 |
Bakersfield accounts for 469 approvals against 26 in TEHACHAPI. 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.
Kern County
How large is Kern County?
- Land area8,132 sq mi
- Rank by land area among California counties3rd of 58
- Width, east to west145.5 mi
- Height, north to south69.5 mi
- Geographies sharing a boundary8
- Residents per square mile of land113
- Establishments per square mile1.76
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.
Kern County
Flood risk in Kern County
- Communities in the NFIP Community Status Book12
- Of those, participating in the NFIP12
- NFIP participation rate100.0 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 9
- Communities carrying a CRS class1
- Radon levels in Kern County, EPA zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
The EPA places Kern 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. The best Community Rating System class in Kern County is 9, which carries a flood insurance premium discount for policies written in that community. 100.0 percent of the county's listed communities participate in the National Flood Insurance Program, per FEMA OpenFEMA, NFIP Community Status Book, Community Status Book, as retrieved.
FEMA OpenFEMA, NFIP Community Status Book, Community Status Book, as retrieved. US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
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.
- 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 Kern 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 Kern County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population915,075
- Households284,931
- Average household size3.21
- Median household income$70,210
- Median age32.7
Common questions
Kern County questions, answered from the record.
How many people live in Kern County, California?
915,075, in 284,931 households, ranking 11th of 58 California counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Kern County's population growing?
The population has grown 1.46 percent since the 2020 census base. In 2024 there were 10,582 births against 7,224 deaths, with net migration of 2,469. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Kern County?
$70,210. The median owner-occupied home is valued at $338,300, which is 4.8 times income, and median gross rent is $1,300 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Kern County?
14,352 establishments, employing 219,016 people with an annual payroll of $12.39 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in Kern County?
Average annual pay is $60,066, or $1,155 a week, across 347,664 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Kern County?
644 7(a) approvals totalling $471.3 m since FY2020, across 90 lenders, with a median approval of $300,000, plus 426 504 approvals worth $334.4 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Kern County get paid back?
Of the 118 loans that have reached a final outcome, 102 were paid in full and 16 charged off, a charge off rate of 13.6 percent. Loans still running are excluded, because they have not yet succeeded or failed.
How many building permits were issued in Kern County?
3,244 housing units were authorised by permit in 2024, with a declared construction value of $735.8 m. Multifamily was 13.3 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Kern 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 Kern County come from?
The largest single origin is Kern County Non-migrants, with 307,495 households. Arriving households report an average income of $54,556 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 Kern 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 Kern 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.
Kern County
Cities and places in Kern.
88 Census places lie wholly or partly in Kern County. 87 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 approvals | Lies in |
|---|---|---|---|---|
| Bakersfield | city | 411,986 | 470 | Wholly in this county |
| Delano | city | 51,679 | 19 | Wholly in this county |
| Oildale | CDP | 34,687 | None recorded | Wholly in this county |
| East Niles | CDP | 28,532 | None recorded | Wholly in this county |
| Ridgecrest | city | 28,225 | 16 | Wholly in this county |
| Wasco | city | 26,558 | 10 | Wholly in this county |
| Rosamond | CDP | 21,473 | 6 | Wholly in this county |
| Shafter | city | 21,193 | 14 | Wholly in this county |
| Arvin | city | 19,539 | 4 | Wholly in this county |
| Rosedale | CDP | 18,877 | None recorded | Wholly in this county |
| California City | city | 14,414 | 6 | Wholly in this county |
| McFarland | city | 14,222 | 8 | Wholly in this county |
| Lamont | CDP | 13,164 | 11 | Wholly in this county |
| Tehachapi | city | 11,946 | 26 | Wholly in this county |
| East Bakersfield | CDP | 11,062 | None recorded | Wholly in this county |
| Hillcrest | CDP | 10,511 | None recorded | Wholly in this county |
| Potomac Park | CDP | 10,138 | None recorded | Wholly in this county |
| Golden Hills | CDP | 9,891 | None recorded | Wholly in this county |
| La Cresta | CDP | 8,389 | None recorded | Wholly in this county |
| Taft | city | 7,125 | 8 | Wholly in this county |
| Bear Valley Springs | CDP | 5,912 | None recorded | Wholly in this county |
| Benton Park | CDP | 5,707 | None recorded | Wholly in this county |
| Mojave | CDP | 5,173 | 5 | Wholly in this county |
| Greenacres | CDP | 4,906 | None recorded | Wholly in this county |
| Ford City | CDP | 4,162 | None recorded | Wholly in this county |
| Lake Isabella | CDP | 4,059 | 3 | Wholly in this county |
| Greenfield | CDP | 3,939 | None recorded | Wholly in this county |
| Old Stine | CDP | 3,760 | None recorded | Wholly in this county |
| Cottonwood | CDP | 3,107 | None recorded | Wholly in this county |
| South Taft | CDP | 2,939 | None recorded | Wholly in this county |
| Stallion Springs | CDP | 2,937 | None recorded | Wholly in this county |
| Pine Mountain Club | CDP | 2,838 | 6 | Wholly in this county |
| Rexland Acres | CDP | 2,760 | None recorded | Wholly in this county |
| Boron | CDP | 2,698 | None recorded | Wholly in this county |
| Weedpatch | CDP | 2,685 | None recorded | Wholly in this county |
| Frazier Park | CDP | 2,681 | 8 | Wholly in this county |
| Wofford Heights | CDP | 2,656 | 3 | Wholly in this county |
| China Lake Acres | CDP | 2,594 | None recorded | Wholly in this county |
| Edwards AFB | CDP | 2,500 | None recorded | Wholly in this county |
| Weldon | CDP | 2,493 | None recorded | Wholly in this county |
| Lost Hills | CDP | 1,926 | 1 | Wholly in this county |
| Bakersfield Country Club | CDP | 1,707 | None recorded | Wholly in this county |
| Bodfish | CDP | 1,694 | None recorded | Wholly in this county |
| Casa Loma | CDP | 1,587 | None recorded | Wholly in this county |
| Fairfax | CDP | 1,423 | None recorded | Wholly in this county |
| Taft Heights | CDP | 1,291 | None recorded | Wholly in this county |
| Buttonwillow | CDP | 1,163 | 4 | Wholly in this county |
| Squirrel Mountain Valley | CDP | 1,108 | None recorded | Wholly in this county |
| Maricopa | city | 984 | None recorded | Wholly in this county |
| Stebbins | CDP | 967 | None recorded | Wholly in this county |
| Inyokern | CDP | 912 | None recorded | Wholly in this county |
| North Edwards | CDP | 903 | None recorded | Wholly in this county |
| Kernville | CDP | 857 | 9 | Wholly in this county |
| Lakeside | CDP | 807 | None recorded | Wholly in this county |
| Lebec | CDP | 797 | 2 | Wholly in this county |
| Lake of the Woods | CDP | 796 | None recorded | Wholly in this county |
| Smith Corner | CDP | 718 | None recorded | Wholly in this county |
| Dustin Acres | CDP | 656 | None recorded | Wholly in this county |
| Fuller Acres | CDP | 619 | None recorded | Wholly in this county |
| Mountain Mesa | CDP | 600 | None recorded | Wholly in this county |
| Valley Acres | CDP | 595 | None recorded | Wholly in this county |
| Keene | CDP | 469 | None recorded | Wholly in this county |
| Edison | CDP | 449 | None recorded | Wholly in this county |
| Ridgecrest Heights | CDP | 370 | None recorded | Wholly in this county |
| Edmundson Acres | CDP | 349 | None recorded | Wholly in this county |
| Olde Stockdale | CDP | 349 | None recorded | Wholly in this county |
| Derby Acres | CDP | 335 | None recorded | Wholly in this county |
| Di Giorgio | CDP | 301 | None recorded | Wholly in this county |
| El Adobe | CDP | 253 | None recorded | Wholly in this county |
| Onyx | CDP | 245 | None recorded | Wholly in this county |
| Pumpkin Center | CDP | 220 | None recorded | Wholly in this county |
| Mountain Meadows | CDP | 190 | None recorded | Wholly in this county |
| Goodmanville | CDP | 169 | None recorded | Wholly in this county |
| Tupman | CDP | 157 | None recorded | Wholly in this county |
| Mexican Colony | CDP | 148 | None recorded | Wholly in this county |
| Mettler | CDP | 140 | None recorded | Wholly in this county |
| Old River | CDP | 134 | None recorded | Wholly in this county |
| Cherokee Strip | CDP | 118 | None recorded | Wholly in this county |
| Johannesburg | CDP | 86 | None recorded | Wholly in this county |
| Woody | CDP | 74 | None recorded | Wholly in this county |
| Fellows | CDP | 71 | 6 | Wholly in this county |
| McKittrick | CDP | 67 | None recorded | Wholly in this county |
| Choctaw Valley | CDP | 34 | None recorded | Wholly in this county |
| Rivergrove | CDP | 28 | None recorded | Wholly in this county |
| Glennville | CDP | 23 | None recorded | Wholly in this county |
| Randsburg | CDP | 19 | None recorded | Wholly in this county |
| Alta Sierra | CDP | 12 | None recorded | Wholly in this county |
| Tarina | CDP | 0 | None recorded | Wholly in this county |
A further 12 SBA approvals in Kern County are recorded against borrower cities that match no Census place, the largest being California City, Bakerfield, Bakesfield. Those are postal cities and unincorporated areas rather than incorporated places, so no page claims them, and their lending is counted in this county's totals above rather than under any city.