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Tuolumne County, California: commercial real estate data.

Tuolumne County, California had an estimated 53,893 residents on July 1, 2024, down 3.1 percent since the 2020 census base of 55,623, across 2,221 square miles. County output reached $3.31 bn in 2024, 1,266 establishments operate here, and the SBA record carries 50 7(a) approvals worth $23.7 m since FY2020.

Underlined figures are computed by MMCG Analytics, not published by the agency.

Tuolumne County

How many people live in Tuolumne County

  • Population, American Community Survey 2020-202454,498
  • Households22,690
  • Average household size2.40
  • Median household income$77,404
  • Median age48.4
  • Median gross rent$1,302 per month
  • Median owner-occupied home value$433,200
  • Home value to household income5.6 times
  • Annual rent as a share of median income20.2 percent
  • Adults 25 and over with a bachelor degree or higher24.6 percent
  • Adults 25 and over with a graduate degree8.5 percent
  • Adults 25 and over41,675
  • Population under 189,305
  • Share under 1817.1 percent
  • Population 65 and over15,339
  • Share 65 and over28.1 percent
  • Working age population, 18 to 6429,854
  • Civilian labor force22,881
  • Unemployment rate8.2 percent
  • Labor force participation, adults 18 and over50.6 percent
  • Rank by population among California counties43rd of 58
  • Rank by population among US county-equivalents, Puerto Rico included955th of 3,222

Tuolumne County is the 43rd largest of 58 California counties by population. A median home costs 5.6 times median household income, which is severely unaffordable by national standards. Residents 65 and over outnumber those under 18, at 28.1 percent against 17.1 percent, which points demand at health care, services and single story product rather than schools.

US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.

Tuolumne County

Is Tuolumne County's population growing?

  • Population, July 1, 202453,893
  • Census 2020 base population55,623
  • Population change since the 2020 census base-3.11 percent
  • Population change, 2023 to 2024-230
  • Births, 2024422
  • Deaths, 2024757
  • Natural change, 2024-335
  • Net domestic migration, 202473
  • Net international migration, 202435
  • Total net migration, 2024108
  • Cumulative net domestic migration, 2021 to 2024-176
  • Rank by growth among US county-equivalents2759th of 3,144

The county has lost 3.11 percent of its population since the 2020 census base. Deaths exceeded births in 2024 by more than net migration added, so the population fell even though more people moved in than left.

US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.

Tuolumne County

Where are people moving to Tuolumne County from?

  • Tax returns filed by households arriving1,497
  • People arriving, from those returns2,575
  • Tax returns filed by households leaving1,519
  • Net household movement-22
  • Adjusted gross income arriving$122.4 m
  • Net adjusted gross income movement$-6.2 m
  • Average income of an arriving household$81,794
  • Average income of a leaving household$84,720
  • Largest single originStanislaus County (228 households)
  • Largest single destinationStanislaus County (105 households)
Largest origins of households moving into Tuolumne County
OriginHouseholdsPeopleAdjusted gross income
Stanislaus County228439$14.7 m
Calaveras County101161$5.0 m
Alameda County91158$13.0 m
San Joaquin County79169$6.2 m
Santa Clara County70113$9.6 m
Contra Costa County58108$8.0 m
Sacramento County5177$3.0 m
San Mateo County4068$5.5 m

Households arriving report $2,926 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is Stanislaus 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.

Tuolumne County

What is the Tuolumne County economy?

  • County GDP, 2024$3.31 bn
  • County GDP, 2023$3.35 bn
  • GDP change, 2023 to 2024-1.2 percent
  • GDP change over five years32.9 percent
  • Rank by GDP among the California areas BEA publishes40th of 58
  • Rank by GDP among the US county areas BEA publishes917th of 3,127
  • GDP per resident$60,669

Output grew -1.2 percent in the latest year and 32.9 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.

Tuolumne County

Employment by industry in Tuolumne County

  • Covered employment, annual average18,221
  • Establishments reporting1,890
  • Average annual pay$58,725
  • Average weekly wage$1,129
  • Health care and social assistance, employment2,769
  • Health care and social assistance, average annual pay$67,074
  • Retail trade, employment2,358
  • Retail trade, average annual pay$42,787
  • Accommodation and food services, employment2,118
  • Accommodation and food services, average annual pay$31,326
  • Construction, employment910
  • Construction, average annual pay$74,662
  • Manufacturing, employment782
  • Administrative and support and waste management services, employment630
Private sector employment and pay by industry, Tuolumne County
SectorEmploymentEstablishmentsAverage annual pay
Health care and social assistance2,769620$67,074
Retail trade2,358157$42,787
Accommodation and food services2,118154$31,326
Construction910200$74,662
Manufacturing78250$70,439
Administrative and support and waste management services63075$55,781
Arts, entertainment and recreation49628$32,638
Other services, except public administration39297$39,978

Health care and social assistance is the largest private sector at 2,769 jobs, 15.2 percent of covered employment.

US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.

Tuolumne County

How many businesses are in Tuolumne County?

  • Establishments, all industries1,266
  • Employment at those establishments12,548
  • Annual payroll$679.5 m
  • Establishments per 1,000 residents23.2

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.

Tuolumne County

Building permits in Tuolumne County

  • Housing units authorized by permit, 202462
  • Declared construction value permitted$19.5 m
  • Single family units authorized62
  • Multifamily units authorized0
  • Multifamily share of units0.0 percent
  • Average declared value per unit$314,455
  • Units authorized per 1,000 households2.7

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.

Tuolumne County

SBA loans in Tuolumne County (7(a) and 504)

  • 7(a) approvals recorded50
  • 7(a) gross approval dollars$23.7 m
  • Average 7(a) approval$473,318
  • Median 7(a) approval$150,000
  • 10th percentile approval$15,000
  • 90th percentile approval$1,030,000
  • Largest single approval$4,166,500
  • Jobs reported supported, 7(a)419
  • Jobs per approval8.4
  • Distinct 7(a) lenders active24
  • Distinct industries receiving approvals32
  • Median 7(a) term120 months
  • Share of loans on real estate terms, 240 months or longer32.0 percent
  • Loans on real estate terms16
  • Loans on working capital terms, 120 months or shorter33
  • Franchise loans2
  • Franchise share of approvals4.0 percent
  • Leading industry by approval countFull-Service Restaurants (8)
  • Most active lenderColumbia Bank (10)
  • 504 approvals recorded23
  • 504 gross approval dollars$14.6 m
  • Average 504 approval$635,652
  • Median 504 approval$299,000
  • Distinct CDCs active3
  • 504 jobs per approval7.7
  • 504 jobs per million dollars approved12.2
  • Most active CDCSuccess Capital Expansion & Development Corporation (15)
  • Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$38.3 m

The average approval of $473,318 sits well above the median of $150,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. 32.0 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.

Tuolumne County

SBA loan default and charge-off rates in Tuolumne County

Do SBA loans in Tuolumne County get paid back?

  • Loans with a final outcome recorded7
  • Paid in full7
  • Charged off0
  • Status: Exempt from disclosure27
  • Status: Paid in full7
  • Status: Cancelled9
  • Status: Committed, not yet disbursed7

Only 7 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.

Tuolumne County

SBA lending by place in Tuolumne County

  • Borrower cities with recorded lending7
  • Sonora, approvals30
  • Jamestown, approvals6
  • Twain Harte, approvals5
  • Groveland, approvals3
  • Columbia, approvals3
  • Tuolumne City, approvals2
SBA 7(a) approvals by borrower city, loans with a project in Tuolumne County, FY2020 to FY2026
Borrower cityApprovalsGross approval dollars
Sonora30$16,017,500
Jamestown6$1,603,400
Twain Harte5$722,000
Groveland3$4,388,000
Columbia3$820,000
Tuolumne City2$65,000
Copperopolis1$50,000

Sonora accounts for 30 approvals against 6 in Jamestown. 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.

Tuolumne County

How large is Tuolumne County?

  • Land area2,221 sq mi
  • Rank by land area among California counties23rd of 58
  • Width, east to west79.2 mi
  • Height, north to south55.2 mi
  • Geographies sharing a boundary6
  • Residents per square mile of land25
  • Establishments per square mile0.57

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.

Tuolumne County

Flood risk in Tuolumne County

  • Participation of the county's own NFIP community Tuolumne County, unincorporated areasParticipating, community 060411
  • 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 Tuolumne 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 Tuolumne County (community 060411), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Tuolumne 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 Tuolumne 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 Tuolumne County site starts with the figures you are reading, carrying the same source and period into the credit file.

  • Population, American Community Survey 2020-202454,498
  • Households22,690
  • Average household size2.40
  • Median household income$77,404
  • Median age48.4

How a feasibility study works →

Common questions

Tuolumne County questions, answered from the record.

How many people live in Tuolumne County, California?

The Census Bureau estimates 53,893 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 54,498, in 22,690 households, ranking 43rd of 58 California counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.

Is Tuolumne County's population growing?

The population has fallen 3.11 percent since the 2020 census base of 55,623, to 53,893 on July 1, 2024. In 2024 there were 422 births against 757 deaths, with net migration of 108. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.

What is the median household income in Tuolumne County?

$77,404. The median owner-occupied home is valued at $433,200, which is 5.6 times income, and median gross rent is $1,302 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.

How many businesses are in Tuolumne County?

1,266 establishments, employing 12,548 people with an annual payroll of $679.5 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 Tuolumne County?

Health care and social assistance is the largest private sector at 2,769 jobs, 15.2 percent of covered employment. Covered employment averages 18,221 jobs at an average annual pay of $58,725, or $1,129 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.

How much SBA lending happens in Tuolumne County?

50 7(a) approvals totaling $23.7 m since FY2020, across 24 lenders, with a median approval of $150,000, plus 23 504 approvals worth $14.6 m since FY2010. These are approvals recorded in the release, not loans disbursed.

How many building permits were issued in Tuolumne County?

62 housing units were authorized by permit in 2024, with a declared construction value of $19.5 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.

What is the radon zone for Tuolumne 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 Tuolumne County come from?

The largest single origin is Stanislaus County, with 228 households. Arriving households report an average income of $81,794 against $84,720 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.

Are traffic counts available for Tuolumne 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 Tuolumne 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.

Tuolumne County

Cities and places in Tuolumne.

19 Census places lie wholly or partly in Tuolumne County. All 19 carry enough published place level data for a page of their own and are linked.

Census places in Tuolumne County, by population, with SBA 7(a) approvals to borrowers in each place for projects in Tuolumne County
PlaceTypePopulationSBA 7(a) approvals, projects in this countyLies in
Sonoracity4,91930Wholly in this county
Phoenix LakeCDP4,794None recordedWholly in this county
Mono VistaCDP3,675None recordedWholly in this county
JamestownCDP3,2656Wholly in this county
East SonoraCDP2,651None recordedWholly in this county
Pine Mountain LakeCDP2,498None recordedWholly in this county
Twain HarteCDP2,3725Wholly in this county
ColumbiaCDP2,2353Wholly in this county
SoulsbyvilleCDP2,101None recordedWholly in this county
Cedar RidgeCDP1,671None recordedWholly in this county
Tuolumne CityCDP1,1482Wholly in this county
Mi-Wuk VillageCDP886None recordedWholly in this county
GrovelandCDP4903Wholly in this county
TuttletownCDP440None recordedWholly in this county
Sierra VillageCDP150None recordedWholly in this county
Chinese CampCDP69None recordedWholly in this county
StrawberryCDP56None recordedWholly in this county
Long BarnCDP29None recordedWholly in this county
Cold SpringsCDP19None recordedWholly in this county

A further 1 of the county's 50 SBA 7(a) approvals are to borrowers in cities that match no Census place in Tuolumne County, the largest being Copperopolis (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.