HomeCaliforniaMono County
Mono County, California: commercial real estate data.
Mono County, California had an estimated 12,991 residents on July 1, 2024, down 1.6 percent since the 2020 census base of 13,196, across 3,049 square miles. County output reached $1.56 bn in 2024, 627 establishments operate here, and the SBA record carries 24 7(a) approvals worth $25.5 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Mono County
How many people live in Mono County
- Population, American Community Survey 2020-202413,148
- Households5,744
- Average household size2.29
- Median household income$99,415
- Median age41.5
- Median gross rent$1,629 per month
- Median owner-occupied home value$639,400
- Home value to household income6.4 times
- Annual rent as a share of median income19.7 percent
- Adults 25 and over with a bachelor degree or higher32.1 percent
- Adults 25 and over with a graduate degree12.8 percent
- Adults 25 and over10,217
- Population under 182,329
- Share under 1817.7 percent
- Population 65 and over2,297
- Share 65 and over17.5 percent
- Working age population, 18 to 648,522
- Civilian labor force7,794
- Unemployment rate3.1 percent
- Labor force participation, adults 18 and over72.0 percent
- Rank by population among California counties55th of 58
- Rank by population among US county-equivalents, Puerto Rico included2277th of 3,222
Mono County is the 55th largest of 58 California counties by population. A median home costs 6.4 times median household income, which is severely unaffordable by national standards. Residents under 18 outnumber those 65 and over, at 17.7 percent against 17.5 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Mono County
Is Mono County's population growing?
- Population, July 1, 202412,991
- Census 2020 base population13,196
- Population change since the 2020 census base-1.55 percent
- Population change, 2023 to 2024-216
- Births, 202495
- Deaths, 202476
- Natural change, 202419
- Net domestic migration, 2024-460
- Net international migration, 2024223
- Total net migration, 2024-237
- Cumulative net domestic migration, 2021 to 2024-1,015
- Rank by growth among US county-equivalents2371st of 3,144
The county has lost 1.55 percent of its population since the 2020 census base. More people left than moved in during 2024 and births over deaths did not make up the difference, so the population fell.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Mono County
Where are people moving to Mono County from?
- Tax returns filed by households arriving438
- People arriving, from those returns682
- Tax returns filed by households leaving576
- Net household movement-138
- Adjusted gross income arriving$39.7 m
- Net adjusted gross income movement$-22.0 m
- Average income of an arriving household$90,614
- Average income of a leaving household$107,104
- Largest single originLos Angeles County (73 households)
- Largest single destinationInyo County (73 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Los Angeles County | 73 | 110 | $12.1 m |
| Inyo County | 39 | 68 | $3.4 m |
| San Diego County | 35 | 61 | $3.2 m |
| Orange County | 34 | 49 | $3.0 m |
Households arriving report $16,490 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is Los Angeles 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.
Mono County
What is the Mono County economy?
- County GDP, 2024$1.56 bn
- County GDP, 2023$1.49 bn
- GDP change, 2023 to 20244.8 percent
- GDP change over five years57.6 percent
- Rank by GDP among the California areas BEA publishes48th of 58
- Rank by GDP among the US county areas BEA publishes1476th of 3,127
- GDP per resident$118,998
Output grew 4.8 percent in the latest year and 57.6 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.
Mono County
Employment by industry in Mono County
- Covered employment, annual average8,150
- Establishments reporting724
- Average annual pay$52,503
- Average weekly wage$1,010
- Accommodation and food services, employment3,772
- Accommodation and food services, average annual pay$40,388
- Retail trade, employment550
- Retail trade, average annual pay$42,779
- Construction, employment477
- Construction, average annual pay$64,709
- Real estate and rental and leasing, employment375
- Real estate and rental and leasing, average annual pay$50,048
- Administrative and support and waste management services, employment262
- Other services, except public administration, employment206
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Accommodation and food services | 3,772 | 134 | $40,388 |
| Retail trade | 550 | 63 | $42,779 |
| Construction | 477 | 96 | $64,709 |
| Real estate and rental and leasing | 375 | 72 | $50,048 |
| Administrative and support and waste management services | 262 | 62 | $43,319 |
| Other services, except public administration | 206 | 54 | $44,648 |
| Arts, entertainment and recreation | 148 | 24 | $33,836 |
| Manufacturing | 146 | 16 | $52,451 |
Accommodation and food services is the largest private sector at 3,772 jobs, 46.3 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Mono County
How many businesses are in Mono County?
- Establishments, all industries627
- Employment at those establishments7,237
- Annual payroll$307.0 m
- Establishments per 1,000 residents47.7
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against. 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.
Mono County
Building permits in Mono County
- Housing units authorized by permit, 2024125
- Declared construction value permitted$31.5 m
- Single family units authorized49
- Multifamily units authorized76
- Multifamily share of units60.8 percent
- Average declared value per unit$251,649
- Units authorized per 1,000 households21.8
Multifamily is 60.8 percent of units authorized, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Mono County
SBA loans in Mono County (7(a) and 504)
- 7(a) approvals recorded24
- 7(a) gross approval dollars$25.5 m
- Average 7(a) approval$1,063,008
- Median 7(a) approval$779,850
- 10th percentile approval$174,000
- 90th percentile approval$2,589,700
- Largest single approval$3,360,000
- Jobs reported supported, 7(a)278
- Jobs per approval11.6
- Distinct 7(a) lenders active15
- Distinct industries receiving approvals19
- Median 7(a) term300 months
- Share of loans on real estate terms, 240 months or longer58.3 percent
- Loans on real estate terms14
- Loans on working capital terms, 120 months or shorter9
- Franchise loans1
- Franchise share of approvals4.2 percent
- Most active lenderU.S. Bank, National Association (6)
- 504 approvals recorded13
- 504 gross approval dollars$11.9 m
- Average 504 approval$916,077
- Median 504 approval$434,000
- Distinct CDCs active7
- 504 jobs per approval7.5
- 504 jobs per million dollars approved8.2
- Most active CDCMortgage Capital Development Corporation (5)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$37.4 m
The average approval of $1,063,008 sits well above the median of $779,850, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. 58.3 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.
Mono County
SBA loan default and charge-off rates in Mono County
Do SBA loans in Mono County get paid back?
- Loans with a final outcome recorded3
- Paid in full2
- Charged off1
- Status: Cancelled5
- Status: Exempt from disclosure16
- Status: Paid in full2
- Status: Charged off1
Only 3 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.
Mono County
SBA lending by place in Mono County
- Borrower cities with recorded lending6
- Mammoth Lakes, approvals15
- June Lake, approvals4
- Lee Vining, approvals2
- Mammotg Lakes, approvals1
- Bridgeport, approvals1
- Anderson, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Mammoth Lakes | 15 | $16,234,700 |
| June Lake | 4 | $3,550,500 |
| Lee Vining | 2 | $3,444,000 |
| Mammotg Lakes | 1 | $1,535,000 |
| Bridgeport | 1 | $603,000 |
| Anderson | 1 | $145,000 |
Mammoth Lakes accounts for 15 approvals against 4 in June Lake. 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.
Mono County
How large is Mono County?
- Land area3,049 sq mi
- Rank by land area among California counties19th of 58
- Width, east to west98.3 mi
- Height, north to south86.3 mi
- Geographies sharing a boundary9
- Residents per square mile of land4
- Establishments per square mile0.21
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.
Mono County
Flood risk in Mono County
- Participation of the county's own NFIP community Mono County, unincorporated areasParticipating, community 060194
- 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 Mono 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 Mono County (community 060194), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Mono 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 Mono 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 Mono County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202413,148
- Households5,744
- Average household size2.29
- Median household income$99,415
- Median age41.5
Common questions
Mono County questions, answered from the record.
How many people live in Mono County, California?
The Census Bureau estimates 12,991 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 13,148, in 5,744 households, ranking 55th of 58 California counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Mono County's population growing?
The population has fallen 1.55 percent since the 2020 census base of 13,196, to 12,991 on July 1, 2024. In 2024 there were 95 births against 76 deaths, with net migration of -237. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Mono County?
$99,415. The median owner-occupied home is valued at $639,400, which is 6.4 times income, and median gross rent is $1,629 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Mono County?
627 establishments, employing 7,237 people with an annual payroll of $307.0 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 Mono County?
Accommodation and food services is the largest private sector at 3,772 jobs, 46.3 percent of covered employment. Covered employment averages 8,150 jobs at an average annual pay of $52,503, or $1,010 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Mono County?
24 7(a) approvals totaling $25.5 m since FY2020, across 15 lenders, with a median approval of $779,850, plus 13 504 approvals worth $11.9 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Mono County?
125 housing units were authorized by permit in 2024, with a declared construction value of $31.5 m. Multifamily was 60.8 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Mono 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 Mono County come from?
The largest single origin is Los Angeles County, with 73 households. Arriving households report an average income of $90,614 against $107,104 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Mono 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 Mono 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.
Mono County
Cities and places in Mono.
18 Census places lie wholly or partly in Mono County. 17 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 |
|---|---|---|---|---|
| Mammoth Lakes | town | 7,214 | 15 | Wholly in this county |
| Crowley Lake | CDP | 1,069 | None recorded | Wholly in this county |
| Lee Vining | CDP | 628 | 2 | Wholly in this county |
| Walker | CDP | 524 | None recorded | Wholly in this county |
| Chalfant | CDP | 483 | None recorded | Wholly in this county |
| Mono City | CDP | 342 | None recorded | Wholly in this county |
| Swall Meadows | CDP | 335 | None recorded | Wholly in this county |
| Aspen Springs | CDP | 325 | None recorded | Wholly in this county |
| Sunny Slopes | CDP | 323 | None recorded | Wholly in this county |
| Bridgeport | CDP | 303 | 1 | Wholly in this county |
| Benton | CDP | 292 | None recorded | Wholly in this county |
| Coleville | CDP | 284 | None recorded | Wholly in this county |
| Paradise | CDP | 241 | None recorded | Wholly in this county |
| June Lake | CDP | 209 | 4 | Wholly in this county |
| Topaz | CDP | 157 | None recorded | Wholly in this county |
| McGee Creek | CDP | 0 | None recorded | Wholly in this county |
| Twin Lakes | CDP | 0 | None recorded | Wholly in this county |
| Virginia Lakes | CDP | 0 | None recorded | Wholly in this county |
A further 2 of the county's 24 SBA 7(a) approvals are to borrowers in cities that match no Census place in Mono County, the largest being Mammotg Lakes (1), Anderson (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.