HomeCaliforniaSutter County
Sutter County, California: commercial real estate data.
Sutter County, California had an estimated 98,545 residents on July 1, 2024, down 1.1 percent since the 2020 census base of 99,635, across 602 square miles. County output reached $5.24 bn in 2024, 2,243 establishments operate here, and the SBA record carries 105 7(a) approvals worth $39.6 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Sutter County
How many people live in Sutter County
- Population, American Community Survey 2020-202498,857
- Households33,292
- Average household size2.97
- Median household income$79,704
- Median age36.5
- Median gross rent$1,439 per month
- Median owner-occupied home value$433,500
- Home value to household income5.4 times
- Annual rent as a share of median income21.7 percent
- Adults 25 and over with a bachelor degree or higher20.9 percent
- Adults 25 and over with a graduate degree6.6 percent
- Adults 25 and over65,188
- Population under 1824,874
- Share under 1825.2 percent
- Population 65 and over16,216
- Share 65 and over16.4 percent
- Working age population, 18 to 6457,767
- Civilian labor force46,022
- Unemployment rate7.2 percent
- Labor force participation, adults 18 and over62.2 percent
- Rank by population among California counties37th of 58
- Rank by population among US county-equivalents, Puerto Rico included628th of 3,222
Sutter County is the 37th largest of 58 California counties by population. A median home costs 5.4 times median household income, which is severely unaffordable by national standards. Residents under 18 outnumber those 65 and over, at 25.2 percent against 16.4 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Sutter County
Is Sutter County's population growing?
- Population, July 1, 202498,545
- Census 2020 base population99,635
- Population change since the 2020 census base-1.09 percent
- Population change, 2023 to 202488
- Births, 20241,135
- Deaths, 2024852
- Natural change, 2024283
- Net domestic migration, 2024-1,058
- Net international migration, 2024860
- Total net migration, 2024-198
- Cumulative net domestic migration, 2021 to 2024-4,091
- Rank by growth among US county-equivalents2219th of 3,144
The county has lost 1.09 percent of its population since the 2020 census base. Births exceeded deaths in 2024 by more than net migration took away, so the population grew even though more people left than moved in.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Sutter County
Where are people moving to Sutter County from?
- Tax returns filed by households arriving2,157
- People arriving, from those returns4,045
- Tax returns filed by households leaving2,564
- Net household movement-407
- Adjusted gross income arriving$111.7 m
- Net adjusted gross income movement$-33.1 m
- Average income of an arriving household$51,797
- Average income of a leaving household$56,504
- Largest single originYuba County (611 households)
- Largest single destinationYuba County (610 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Yuba County | 611 | 1,277 | $27.4 m |
| Sacramento County | 346 | 694 | $17.4 m |
| Butte County | 183 | 319 | $9.2 m |
| Placer County | 115 | 180 | $7.6 m |
| Yolo County | 59 | 110 | $4.1 m |
| Colusa County | 42 | 81 | $2.2 m |
| Contra Costa County | 38 | 59 | $3.6 m |
| Los Angeles County | 32 | 59 | $1.2 m |
Households arriving report $4,707 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is Yuba 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.
Sutter County
What is the Sutter County economy?
- County GDP, 2024$5.24 bn
- County GDP, 2023$5.15 bn
- GDP change, 2023 to 20241.8 percent
- GDP change over five years37.1 percent
- Rank by GDP among the California areas BEA publishes37th of 58
- Rank by GDP among the US county areas BEA publishes697th of 3,127
- GDP per resident$52,989
Output grew 1.8 percent in the latest year and 37.1 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.
Sutter County
Employment by industry in Sutter County
- Covered employment, annual average32,774
- Establishments reporting4,205
- Average annual pay$55,174
- Average weekly wage$1,061
- Health care and social assistance, employment5,429
- Health care and social assistance, average annual pay$56,813
- Retail trade, employment4,345
- Retail trade, average annual pay$41,311
- Agriculture, forestry, fishing and hunting, employment3,796
- Agriculture, forestry, fishing and hunting, average annual pay$44,293
- Accommodation and food services, employment2,983
- Accommodation and food services, average annual pay$27,264
- Transportation and warehousing, employment2,237
- Construction, employment1,579
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 5,429 | 1,690 | $56,813 |
| Retail trade | 4,345 | 286 | $41,311 |
| Agriculture, forestry, fishing and hunting | 3,796 | 427 | $44,293 |
| Accommodation and food services | 2,983 | 180 | $27,264 |
| Transportation and warehousing | 2,237 | 426 | $50,032 |
| Construction | 1,579 | 214 | $68,869 |
| Manufacturing | 1,387 | 58 | $72,128 |
| Wholesale trade | 1,254 | 78 | $84,253 |
Health care and social assistance is the largest private sector at 5,429 jobs, 16.6 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Sutter County
How many businesses are in Sutter County?
- Establishments, all industries2,243
- Employment at those establishments23,969
- Annual payroll$1.31 bn
- Establishments per 1,000 residents22.7
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.
Sutter County
Building permits in Sutter County
- Housing units authorized by permit, 2024117
- Declared construction value permitted$47.3 m
- Single family units authorized117
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$404,076
- Units authorized per 1,000 households3.5
Single-family homes are 100.0 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Sutter County
SBA loans in Sutter County (7(a) and 504)
- 7(a) approvals recorded105
- 7(a) gross approval dollars$39.6 m
- Average 7(a) approval$376,716
- Median 7(a) approval$122,700
- 10th percentile approval$30,000
- 90th percentile approval$883,200
- Largest single approval$4,548,000
- Jobs reported supported, 7(a)622
- Jobs per approval5.9
- Distinct 7(a) lenders active31
- Distinct industries receiving approvals49
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer21.9 percent
- Loans on real estate terms23
- Loans on working capital terms, 120 months or shorter76
- Franchise loans9
- Franchise share of approvals8.6 percent
- Leading industry by approval countGeneral Freight Trucking, Long-Distance, Truckload (19)
- Most active lenderU.S. Bank, National Association (31)
- 504 approvals recorded57
- 504 gross approval dollars$52.6 m
- Average 504 approval$922,491
- Median 504 approval$337,000
- Distinct CDCs active7
- 504 jobs per approval17.5
- 504 jobs per million dollars approved18.9
- Most active CDCGreater Sacramento Certified Development Corporation (42)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$92.1 m
The average approval of $376,716 sits well above the median of $122,700, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 21.9 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.
Sutter County
SBA loan default and charge-off rates in Sutter County
Do SBA loans in Sutter County get paid back?
- Loans with a final outcome recorded30
- Paid in full28
- Charged off2
- Charge-off rate on resolved loans6.7 percent
- Status: Paid in full28
- Status: Exempt from disclosure56
- Status: Cancelled16
- Status: Charged off2
- Status: Committed, not yet disbursed3
Of the 30 loans that have reached a final outcome, 6.7 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.
Sutter County
SBA lending by place in Sutter County
- Borrower cities with recorded lending7
- Yuba City, approvals92
- Live Oak, approvals3
- Sutter, approvals3
- Pleasant Grove, approvals3
- Nicolaus, approvals2
- Yuba Cita, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Yuba City | 92 | $35,224,200 |
| Live Oak | 3 | $1,886,500 |
| Sutter | 3 | $637,400 |
| Pleasant Grove | 3 | $619,100 |
| Nicolaus | 2 | $150,500 |
| Yuba Cita | 1 | $1,014,000 |
| Meridian | 1 | $23,500 |
Yuba City accounts for 92 approvals against 3 in Live Oak. 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.
Sutter County
How large is Sutter County?
- Land area602 sq mi
- Rank by land area among California counties53rd of 58
- Width, east to west28.5 mi
- Height, north to south39.3 mi
- Geographies sharing a boundary6
- Residents per square mile of land164
- Establishments per square mile3.73
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.
Sutter County
Flood risk in Sutter County
- Participation of the county's own NFIP community Sutter County, unincorporated areasParticipating, community 060394
- Community Rating System class of the county's own communityClass 6
- Communities in the county in the NFIP Community Status Book3
- Of those, participating in the NFIP3
- 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 6
- Communities carrying a CRS class3
- Radon levels in Sutter County, EPA zone predicted average indoor radon screening level less than 2 pCi/LZone 3
The county's own community in the status book, unincorporated Sutter County (community 060394), participates in the National Flood Insurance Program and carries Community Rating System class 6, a flood insurance premium discount for policies written there. The EPA places Sutter County in radon zone 3, a predicted average indoor radon screening level less than 2 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 6, 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 Sutter 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 Sutter County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202498,857
- Households33,292
- Average household size2.97
- Median household income$79,704
- Median age36.5
Common questions
Sutter County questions, answered from the record.
How many people live in Sutter County, California?
The Census Bureau estimates 98,545 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 98,857, in 33,292 households, ranking 37th of 58 California counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Sutter County's population growing?
The population has fallen 1.09 percent since the 2020 census base of 99,635, to 98,545 on July 1, 2024. In 2024 there were 1,135 births against 852 deaths, with net migration of -198. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Sutter County?
$79,704. The median owner-occupied home is valued at $433,500, which is 5.4 times income, and median gross rent is $1,439 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Sutter County?
2,243 establishments, employing 23,969 people with an annual payroll of $1.31 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 Sutter County?
Health care and social assistance is the largest private sector at 5,429 jobs, 16.6 percent of covered employment. Covered employment averages 32,774 jobs at an average annual pay of $55,174, or $1,061 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Sutter County?
105 7(a) approvals totaling $39.6 m since FY2020, across 31 lenders, with a median approval of $122,700, plus 57 504 approvals worth $52.6 m since FY2010. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Sutter County get paid back?
Of the 30 loans that have reached a final outcome, 28 were paid in full and 2 charged off, a charge-off rate of 6.7 percent. Loans still running are excluded, because they have not yet succeeded or failed.
How many building permits were issued in Sutter County?
117 housing units were authorized by permit in 2024, with a declared construction value of $47.3 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Sutter County?
Zone 3, a predicted average indoor radon screening level less than 2 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Sutter County come from?
The largest single origin is Yuba County, with 611 households. Arriving households report an average income of $51,797 against $56,504 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Sutter 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 Sutter 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.
Sutter County
Cities and places in Sutter.
9 Census places lie wholly or partly in Sutter County. All 9 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 |
|---|---|---|---|---|
| Yuba City | city | 69,471 | 92 | Wholly in this county |
| Live Oak | city | 9,347 | 3 | Wholly in this county |
| Sutter | CDP | 2,532 | 3 | Wholly in this county |
| Rio Oso | CDP | 437 | None recorded | Wholly in this county |
| Meridian | CDP | 319 | 1 | Wholly in this county |
| Trowbridge | CDP | 243 | None recorded | Wholly in this county |
| Robbins | CDP | 210 | None recorded | Wholly in this county |
| East Nicolaus | CDP | 110 | None recorded | Wholly in this county |
| Nicolaus | CDP | 102 | 2 | Wholly in this county |
A further 4 of the county's 105 SBA 7(a) approvals are to borrowers in cities that match no Census place in Sutter County, the largest being Pleasant Grove (3), Yuba Cita (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.
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