HomeCaliforniaSan Joaquin CountyLathrop
Lathrop, California: commercial real estate data.
Lathrop is a Census city of 35,052 people across 19.83 square miles of land, in San Joaquin County. Median household income is $126,421, 85.3 percent of occupied homes are owned, and the SBA record carries 34 7(a) approvals to borrowers here worth $33.8 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Lathrop
What Lathrop is
- Census place typecity
- Land area19.83 sq mi
- Water area1.18 sq mi
- Population per square mile of land1,768
- County holding the largest share of its areaSan Joaquin 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.
Lathrop
How many people live in Lathrop
- Population35,052
- Median age33.9
- Population under 1810,644
- Share under 1830.4 percent
- Population 65 and over3,529
- Share 65 and over10.1 percent
- Households8,782
- Family households7,523
- Share of households that are families85.7 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Lathrop
Income and work in Lathrop
- Median household income$126,421
- Per capita income$38,991
- Civilian labor force16,720
- Employed15,217
- Unemployed1,503 plus or minus 413
- Unemployment rate9.0 percent plus or minus 2.4
- Adults 25 and over21,442
- Adults 25 and over with a high school diploma or higher82.6 percent
- Adults 25 and over with a bachelor degree or higher28.0 percent
- Adults 25 and over with a graduate degree6.3 percent plus or minus 1.5
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Lathrop
Housing in Lathrop
- Housing units9,092
- Occupied units8,782
- Vacant units310 plus or minus 168
- Vacancy rate3.4 percent plus or minus 1.8
- Owner occupied7,491
- Renter occupied1,291 plus or minus 259
- Ownership rate85.3 percent
- Median owner-occupied home value$643,600
- Median gross rent, monthly$2,570
- Annual rent as a share of median income24.4 percent
- Single family units8,786
- Share single family96.6 percent
- Units in buildings of two or more114 plus or minus 74
- Share in buildings of two or more1.3 percent plus or minus 0.8
- Mobile homes192 plus or minus 75
- Median year structure built2007
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Lathrop
How Lathrop gets to work
- Workers 16 and over who commute12,721
- Commuting under 15 minutes2,087 plus or minus 490
- Share commuting under 15 minutes16.4 percent plus or minus 3.7
- Commuting 30 minutes or more6,746
- Share commuting 30 minutes or more53.0 percent
- Drove alone68.3 percent
- Carpooled13.5 percent plus or minus 3.1
- Public transport2.0 percent plus or minus 1.2
- Walked0.1 percent plus or minus 0.2
- Worked from home13.6 percent plus or minus 3.1
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Lathrop
SBA loans in Lathrop (7(a))
- Approvals34
- Gross approval$33,803,700
- Average approval$994,226
- Median approval$355,000
- Ninetieth percentile approval$3,496,400
- Largest approval$5,000,000
- Jobs supported367
- Jobs per approval10.8
- Loans with a final outcome11
- Paid in full10
- Charged off1
- Median term120 months
- Share on real estate terms of 20 years or more41.2 percent
- Share to franchises11.8 percent
- Distinct lenders20
- Distinct industries by NAICS20
Counted by borrower city: approvals to borrowers whose address is in Lathrop, in any county, FY2020 to FY2026. Only 11 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.
Lathrop
SBA loans in Lathrop (504)
- Approvals15
- Gross approval$36,927,000
- Average approval$2,461,800
- Median approval$2,627,000
- Largest approval$4,997,000
- Jobs supported413
- Loans with a final outcome4
- Charged off0
- Median term240 months
- Distinct CDCs7
Counted by borrower city: approvals to borrowers whose address is in Lathrop, in any county, FY2010 to FY2026. Only 4 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.
Lathrop
Flood risk in Lathrop
- NFIP communityCity of Lathrop
- NFIP community number060738
- Participating in the NFIPYes
- Community Rating System classClass 10
- Currently effective map date10/16/09
The City of Lathrop participates in the National Flood Insurance Program as community 060738 and carries Community Rating System class 10, a flood insurance premium discount for policies written there.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
San Joaquin County, not Lathrop
San Joaquin County context, not Lathrop figures
- Establishments in San Joaquin County13,638
- Covered employment, San Joaquin County287,828
- Average annual pay, San Joaquin County$63,300
- Housing units permitted, San Joaquin County3,779
Every figure in this section is published for San Joaquin County as a whole and is not a measurement of Lathrop.
All San Joaquin County figures →
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
Lathrop questions, answered from the record.
How many people live in Lathrop, California?
35,052, in 8,782 households. Lathrop city covers 19.83 square miles of land, which is 1,768 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Lathrop in?
San Joaquin 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 Lathrop?
$126,421. The median owner-occupied home is valued at $643,600. Median gross rent is $2,570 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Lathrop businesses?
34 7(a) approvals totaling $33.8 m since FY2020, across 20 lenders, median approval $355,000, plus 15 504 approvals worth $36.9 m since FY2010. These count approvals to borrowers whose address is in Lathrop, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Lathrop borrowers get paid back?
No rate is published for Lathrop. Only 11 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 Lathrop in the National Flood Insurance Program?
Yes. Lathrop appears in the FEMA Community Status Book as Lathrop, city of, community 060738, carrying Community Rating System class 10, which is a premium discount for exceeding the program minimum. 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 Lathrop figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for San Joaquin 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 Lathrop.
Is zoning published for Lathrop?
No. Nothing on this page presents parcel level zoning.
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