HomeCaliforniaPlacer County
Placer County, California: commercial real estate data.
Placer County, California had an estimated 433,822 residents on July 1, 2024, up 7.2 percent since the 2020 census base of 404,752, across 1,407 square miles. County output reached $34.30 bn in 2024, 12,180 establishments operate here, and the SBA record carries 729 7(a) approvals worth $390.7 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Placer County
How many people live in Placer County
- Population, American Community Survey 2020-2024419,156
- Households157,954
- Average household size2.65
- Median household income$115,998
- Median age42.5
- Median gross rent$2,069 per month
- Median owner-occupied home value$688,100
- Home value to household income5.9 times
- Annual rent as a share of median income21.4 percent
- Adults 25 and over with a bachelor degree or higher43.2 percent
- Adults 25 and over with a graduate degree15.2 percent
- Adults 25 and over297,631
- Population under 1891,287
- Share under 1821.8 percent
- Population 65 and over85,822
- Share 65 and over20.5 percent
- Working age population, 18 to 64242,047
- Civilian labor force206,228
- Unemployment rate4.8 percent
- Labor force participation, adults 18 and over62.9 percent
- Rank by population among California counties22nd of 58
- Rank by population among US county-equivalents, Puerto Rico included177th of 3,222
Placer County is the 22nd largest of 58 California counties by population. A median home costs 5.9 times median household income, which is severely unaffordable by national standards. Residents under 18 outnumber those 65 and over, at 21.8 percent against 20.5 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Placer County
Is Placer County's population growing?
- Population, July 1, 2024433,822
- Census 2020 base population404,752
- Population change since the 2020 census base7.18 percent
- Population change, 2023 to 20249,223
- Births, 20243,464
- Deaths, 20243,710
- Natural change, 2024-246
- Net domestic migration, 20247,506
- Net international migration, 20242,011
- Total net migration, 20249,517
- Cumulative net domestic migration, 2021 to 202424,060
- Rank by growth among US county-equivalents301st of 3,144
The county has grown 7.18 percent since the 2020 census base. Deaths exceeded births in 2024 and the population still grew, so all of the growth came from people moving in. A market held up by migration is more sensitive to a change in relative cost than one growing from household formation.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Placer County
Where are people moving to Placer County from?
- Tax returns filed by households arriving14,556
- People arriving, from those returns26,880
- Tax returns filed by households leaving13,003
- Net household movement1,553
- Adjusted gross income arriving$1.69 bn
- Net adjusted gross income movement$332.9 m
- Average income of an arriving household$116,341
- Average income of a leaving household$104,631
- Largest single originSacramento County (4,975 households)
- Largest single destinationSacramento County (3,414 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Sacramento County | 4,975 | 9,140 | $460.0 m |
| Santa Clara County | 786 | 1,642 | $159.3 m |
| Alameda County | 658 | 1,398 | $120.8 m |
| Contra Costa County | 566 | 1,157 | $91.9 m |
| Nevada County | 504 | 817 | $85.3 m |
| El Dorado County | 414 | 697 | $38.5 m |
| San Mateo County | 380 | 774 | $67.7 m |
| Los Angeles County | 352 | 611 | $36.1 m |
Households arriving report $11,710 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 Sacramento 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.
Placer County
What is the Placer County economy?
- County GDP, 2024$34.30 bn
- County GDP, 2023$32.61 bn
- GDP change, 2023 to 20245.2 percent
- GDP change over five years33.9 percent
- Rank by GDP among the California areas BEA publishes21st of 58
- Rank by GDP among the US county areas BEA publishes175th of 3,127
- GDP per resident$81,841
Output grew 5.2 percent in the latest year and 33.9 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.
Placer County
Employment by industry in Placer County
- Covered employment, annual average186,942
- Establishments reporting15,743
- Average annual pay$72,804
- Average weekly wage$1,400
- Health care and social assistance, employment33,894
- Health care and social assistance, average annual pay$91,046
- Retail trade, employment22,056
- Retail trade, average annual pay$46,749
- Accommodation and food services, employment20,046
- Accommodation and food services, average annual pay$31,968
- Construction, employment19,262
- Construction, average annual pay$85,714
- Professional, scientific and technical services, employment11,674
- Administrative and support and waste management services, employment9,013
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 33,894 | 4,449 | $91,046 |
| Retail trade | 22,056 | 1,197 | $46,749 |
| Accommodation and food services | 20,046 | 1,075 | $31,968 |
| Construction | 19,262 | 1,688 | $85,714 |
| Professional, scientific and technical services | 11,674 | 1,744 | $91,123 |
| Administrative and support and waste management services | 9,013 | 708 | $61,169 |
| Other services, except public administration | 7,179 | 1,050 | $55,993 |
| Manufacturing | 7,078 | 348 | $76,833 |
Health care and social assistance is the largest private sector at 33,894 jobs, 18.1 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Placer County
How many businesses are in Placer County?
- Establishments, all industries12,180
- Employment at those establishments167,628
- Annual payroll$11.35 bn
- Establishments per 1,000 residents29.1
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.
Placer County
Building permits in Placer County
- Housing units authorized by permit, 20243,713
- Declared construction value permitted$1.16 bn
- Single family units authorized2,828
- Multifamily units authorized885
- Multifamily share of units23.8 percent
- Average declared value per unit$313,055
- Units authorized per 1,000 households23.5
Single-family homes are 76.2 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Placer County
SBA loans in Placer County (7(a) and 504)
- 7(a) approvals recorded729
- 7(a) gross approval dollars$390.7 m
- Average 7(a) approval$535,963
- Median 7(a) approval$250,000
- 10th percentile approval$25,000
- 90th percentile approval$1,352,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)7,408
- Jobs per approval10.2
- Distinct 7(a) lenders active86
- Distinct industries receiving approvals214
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer19.6 percent
- Loans on real estate terms143
- Loans on working capital terms, 120 months or shorter552
- Franchise loans93
- Franchise share of approvals12.8 percent
- Most active lenderU.S. Bank, National Association (119)
- 504 approvals recorded333
- 504 gross approval dollars$297.5 m
- Average 504 approval$893,321
- Median 504 approval$605,000
- Distinct CDCs active11
- 504 jobs per approval13.4
- 504 jobs per million dollars approved15.0
- Most active CDCMortgage Capital Development Corporation (114)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$688.2 m
The average approval of $535,963 sits well above the median of $250,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 19.6 percent of approvals run on real estate terms, so SBA credit here is mostly working capital and equipment rather than property acquisition.
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.
Placer County
SBA loan default and charge-off rates in Placer County
Do SBA loans in Placer County get paid back?
- Loans with a final outcome recorded121
- Paid in full116
- Charged off5
- Charge-off rate on resolved loans4.1 percent
- Status: Paid in full116
- Status: Exempt from disclosure466
- Status: Cancelled105
- Status: Charged off5
- Status: Committed, not yet disbursed37
Of the 121 loans that have reached a final outcome, 4.1 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.
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.
Placer County
SBA lending by place in Placer County
- Borrower cities with recorded lending20
- Roseville, approvals348
- Rocklin, approvals132
- Auburn, approvals73
- Lincoln, approvals61
- Loomis, approvals33
- Granite Bay, approvals31
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Roseville | 348 | $200,663,800 |
| Rocklin | 132 | $59,932,500 |
| Auburn | 73 | $37,592,800 |
| Lincoln | 61 | $33,912,400 |
| Loomis | 33 | $16,231,500 |
| Granite Bay | 31 | $18,983,200 |
| Tahoe City | 11 | $10,108,200 |
| Newcastle | 10 | $3,361,100 |
| 12 other borrower cities | 30 | $9,931,400 |
Roseville accounts for 348 approvals against 132 in Rocklin. 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.
Placer County
How large is Placer County?
- Land area1,407 sq mi
- Rank by land area among California counties32nd of 58
- Width, east to west79.6 mi
- Height, north to south41.8 mi
- Geographies sharing a boundary8
- Residents per square mile of land298
- Establishments per square mile8.66
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.
Placer County
Flood risk in Placer County
- Participation of the county's own NFIP community Placer County, unincorporated areasParticipating, community 060239
- Community Rating System class of the county's own communityClass 5
- Communities in the county in the NFIP Community Status Book6
- Of those, participating in the NFIP6
- 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 1
- Communities carrying a CRS class2
- Radon levels in Placer 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 Placer County (community 060239), participates in the National Flood Insurance Program and carries Community Rating System class 5, a flood insurance premium discount for policies written there. The EPA places Placer 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 among the county's communities is 1, 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 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 Placer 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 Placer County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-2024419,156
- Households157,954
- Average household size2.65
- Median household income$115,998
- Median age42.5
Common questions
Placer County questions, answered from the record.
How many people live in Placer County, California?
The Census Bureau estimates 433,822 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 419,156, in 157,954 households, ranking 22nd of 58 California counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Placer County's population growing?
The population has grown 7.18 percent since the 2020 census base of 404,752, to 433,822 on July 1, 2024. In 2024 there were 3,464 births against 3,710 deaths, with net migration of 9,517. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Placer County?
$115,998. The median owner-occupied home is valued at $688,100, which is 5.9 times income, and median gross rent is $2,069 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Placer County?
12,180 establishments, employing 167,628 people with an annual payroll of $11.35 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is employment by industry in Placer County?
Health care and social assistance is the largest private sector at 33,894 jobs, 18.1 percent of covered employment. Covered employment averages 186,942 jobs at an average annual pay of $72,804, or $1,400 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Placer County?
729 7(a) approvals totaling $390.7 m since FY2020, across 86 lenders, with a median approval of $250,000, plus 333 504 approvals worth $297.5 m since FY2010. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Placer County get paid back?
Of the 121 loans that have reached a final outcome, 116 were paid in full and 5 charged off, a charge-off rate of 4.1 percent. Loans still running are excluded, because they have not yet succeeded or failed.
How many building permits were issued in Placer County?
3,713 housing units were authorized by permit in 2024, with a declared construction value of $1.16 bn. Multifamily was 23.8 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Placer 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 Placer County come from?
The largest single origin is Sacramento County, with 4,975 households. Arriving households report an average income of $116,341 against $104,631 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Placer 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 Placer 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.
Placer County
Cities and places in Placer.
23 Census places lie wholly or partly in Placer County. All 23 carry enough published place level data for a page of their own and are linked.
| Place | Type | Population | SBA 7(a) approvals, projects in this county | Lies in |
|---|---|---|---|---|
| Roseville | city | 155,955 | 348 | Wholly in this county |
| Rocklin | city | 73,327 | 132 | Wholly in this county |
| Lincoln | city | 52,956 | 61 | Wholly in this county |
| Granite Bay | CDP | 21,673 | 31 | Wholly in this county |
| Auburn | city | 13,768 | 73 | Wholly in this county |
| North Auburn | CDP | 13,480 | None recorded | Wholly in this county |
| Loomis | town | 6,853 | 33 | Wholly in this county |
| Meadow Vista | CDP | 3,162 | 3 | Wholly in this county |
| Kings Beach | CDP | 2,736 | 5 | Wholly in this county |
| Colfax | city | 2,407 | 8 | Wholly in this county |
| Sunnyside-Tahoe City | CDP | 1,599 | None recorded | Wholly in this county |
| Newcastle | CDP | 1,585 | 10 | Wholly in this county |
| Foresthill | CDP | 1,483 | 1 | Wholly in this county |
| Dollar Point | CDP | 1,477 | None recorded | Wholly in this county |
| Sheridan | CDP | 1,183 | None recorded | Wholly in this county |
| Penryn | CDP | 1,114 | 3 | Wholly in this county |
| Cedar Flat | CDP | 1,089 | None recorded | Wholly in this county |
| Tahoe Vista | CDP | 1,048 | 2 | Wholly in this county |
| Tahoma | CDP | 873 | None recorded | 54.1 percent here, 45.9 percent El Dorado County |
| Alta | CDP | 656 | 1 | Wholly in this county |
| Carnelian Bay | CDP | 391 | None recorded | Wholly in this county |
| Dutch Flat | CDP | 200 | None recorded | Wholly in this county |
| Kingvale | CDP | 0 | None recorded | 9.6 percent here, 90.4 percent Nevada County |
A further 18 of the county's 729 SBA 7(a) approvals are to borrowers in cities that match no Census place in Placer County, the largest being Tahoe City (11), Alpine Meadows (2), Truckee (2). 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.