HomeCaliforniaMerced CountyAtwater city
Atwater city, California: commercial real estate data.
Atwater city is a Census city of 32,162 people across 6.57 square miles of land, in Merced County. Median household income is $64,472, 52.1 percent of occupied homes are owned, and the SBA record carries 17 7(a) approvals to borrowers here worth $17.5 m.
80 sourced place values · tier FULL · 9 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Atwater
What Atwater is
- Census place typecity
- Land area6.57 sq mi
- Water area0 sq mi
- Population per square mile of land4,897
- County holding the largest share of its areaMerced 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.
Atwater
How many people live in Atwater
- Population32,162
- Median age33.0
- Population under 189,330
- Share under 1829.0 percent
- Population 65 and over3,993
- Share 65 and over12.4 percent
- Households9,872
- Family households7,192
- Share of households that are families72.9 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Atwater
Income and work in Atwater
- Median household income$64,472
- Per capita income$28,045
- Civilian labor force14,556
- Employed12,772
- Unemployed1,784 plus or minus 363
- Unemployment rate12.3 percent
- Adults 25 and over19,733
- Adults 25 and over with a high school diploma or higher74.4 percent
- Adults 25 and over with a bachelor degree or higher12.9 percent
- Adults 25 and over with a graduate degree2.7 percent plus or minus 0.8
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Atwater
Housing in Atwater
- Housing units10,080
- Occupied units9,872
- Vacant units208 plus or minus 105
- Vacancy rate2.1 percent plus or minus 1.0
- Owner occupied5,141
- Renter occupied4,731
- Ownership rate52.1 percent
- Median owner-occupied home value$363,400
- Median gross rent, monthly$1,279
- Annual rent as a share of median income23.8 percent
- Single family units7,089
- Share single family70.3 percent
- Units in buildings of two or more2,378
- Share in buildings of two or more23.6 percent
- Mobile homes613 plus or minus 191
- Median year structure built1982
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Atwater
How Atwater gets to work
- Workers 16 and over who commute12,093
- Commuting under 15 minutes3,748
- Share commuting under 15 minutes31.0 percent
- Commuting 30 minutes or more4,378
- Share commuting 30 minutes or more36.2 percent
- Drove alone79.2 percent
- Carpooled12.6 percent plus or minus 3.0
- Public transport0.7 percent plus or minus 0.6
- Walked0.8 percent plus or minus 0.5
- Worked from home4.2 percent plus or minus 1.3
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Atwater
SBA loans in Atwater (7(a))
- Approvals17
- Gross approval$17,513,800
- Average approval$1,030,224
- Median approval$425,000
- Ninetieth percentile approval$2,868,500
- Largest approval$3,643,000
- Jobs supported139
- Jobs per approval8.2
- Loans with a final outcome3
- Paid in full3
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more35.3 percent
- Share to franchises11.8 percent
- Distinct lenders11
- Distinct industries by NAICS13
A charge-off rate is not published here. only 3 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Atwater
SBA loans in Atwater (504)
- Approvals14
- Gross approval$9,995,000
- Average approval$713,929
- Median approval$397,000
- Largest approval$2,650,000
- Jobs supported74
- Loans with a final outcome3
- Charged off1
- Median term300 months
- Distinct CDCs8
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Atwater
Flood risk in Atwater
- Listed NFIP communities1
- Of those, participating1
- NFIP community number060189
- Currently effective map date12/02/08
This community carries no Community Rating System class, so no CRS premium discount applies to it.
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
Merced County, not Atwater
Merced County context, not Atwater figures
These are Merced County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Atwater measurements.
- Establishments in Merced County3,592
- Employment at those establishments, Merced County49,545
- Covered employment, Merced County84,952
- Average annual pay, Merced County$54,952
- Average weekly wage, Merced County$1,057
- Housing units permitted, Merced County520
- Of those, single family, Merced County517
- County product, 2024, Merced County$13,282,268,000
- County product change over the prior year, Merced County9.2 percent
- Average income of an arriving household, Merced County$53,930
Every figure in this section is published for Merced County as a whole and is not a measurement of Atwater. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
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. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
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.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
Atwater questions, answered from the record.
How many people live in Atwater, California?
32,162, in 9,872 households. Atwater city covers 6.57 square miles of land, which is 4,897 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Atwater in?
Merced 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 Atwater?
$64,472. The median owner-occupied home is valued at $363,400. Median gross rent is $1,279 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Atwater businesses?
17 7(a) approvals totalling $17.5 m, across 11 lenders, median approval $425,000, plus 14 504 approvals worth $10.0 m. These count approvals to borrowers whose address is in Atwater, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Atwater borrowers get paid back?
No rate is published for Atwater. only 3 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Is Atwater in the National Flood Insurance Program?
Yes. Atwater appears in the FEMA Community Status Book as community 060189, 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 Atwater figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Merced 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 Atwater.
Is zoning published for Atwater?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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