Baker County, Oregon: commercial real estate data.
Baker County, Oregon had an estimated 16,750 residents on July 1, 2024, up 0.5 percent since the 2020 census base of 16,669, across 3,068 square miles. County output reached $854.5 m in 2024, 521 establishments operate here, and the SBA record carries 42 7(a) approvals worth $6.8 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Baker County
How many people live in Baker County
- Population, American Community Survey 2020-202416,840
- Households7,355
- Average household size2.29
- Median household income$60,936
- Median age47.0
- Median gross rent$865 per month
- Median owner-occupied home value$285,600
- Home value to household income4.7 times
- Annual rent as a share of median income17.0 percent
- Adults 25 and over with a bachelor degree or higher26.1 percent
- Adults 25 and over with a graduate degree7.2 percent
- Adults 25 and over12,616
- Population under 183,328
- Share under 1819.8 percent
- Population 65 and over4,732
- Share 65 and over28.1 percent
- Working age population, 18 to 648,780
- Civilian labor force6,773
- Unemployment rate5.6 percent
- Labor force participation, adults 18 and over50.1 percent
- Rank by population among Oregon counties28th of 36
- Rank by population among US county-equivalents, Puerto Rico included2049th of 3,222
Baker County is the 28th largest of 36 Oregon counties by population. A median home costs 4.7 times median household income, which is seriously unaffordable by national standards. Residents 65 and over outnumber those under 18, at 28.1 percent against 19.8 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.
Baker County
Is Baker County's population growing?
- Population, July 1, 202416,750
- Census 2020 base population16,669
- Population change since the 2020 census base0.49 percent
- Population change, 2023 to 2024-154
- Births, 2024144
- Deaths, 2024275
- Natural change, 2024-131
- Net domestic migration, 2024-31
- Net international migration, 20249
- Total net migration, 2024-22
- Cumulative net domestic migration, 2021 to 2024488
- Rank by growth among US county-equivalents1659th of 3,144
The county has grown 0.49 percent since the 2020 census base. The population fell in 2024 from both sources: deaths exceeded births and more people left than moved in.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Baker County
Where are people moving to Baker County from?
- Tax returns filed by households arriving445
- People arriving, from those returns809
- Tax returns filed by households leaving365
- Net household movement80
- Adjusted gross income arriving$26.9 m
- Net adjusted gross income movement$8.8 m
- Average income of an arriving household$60,425
- Average income of a leaving household$49,490
- Largest single originUnion County (38 households)
- Largest single destinationUnion County (42 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Union County | 38 | 72 | $2.3 m |
| Ada County | 27 | 55 | $1.2 m |
| Deschutes County | 21 | 37 | $2.1 m |
Households arriving report $10,935 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 Union 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.
Baker County
What is the Baker County economy?
- County GDP, 2024$854.5 m
- County GDP, 2023$792.8 m
- GDP change, 2023 to 20247.8 percent
- GDP change over five years42.6 percent
- Rank by GDP among the Oregon areas BEA publishes29th of 36
- Rank by GDP among the US county areas BEA publishes1975th of 3,127
- GDP per resident$50,743
Output grew 7.8 percent in the latest year and 42.6 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.
Baker County
Employment by industry in Baker County
- Covered employment, annual average5,594
- Establishments reporting724
- Average annual pay$50,270
- Average weekly wage$967
- Retail trade, employment846
- Retail trade, average annual pay$32,581
- Manufacturing, employment565
- Manufacturing, average annual pay$60,414
- Construction, employment250
- Construction, average annual pay$44,441
- Other services, except public administration, employment211
- Other services, except public administration, average annual pay$24,109
- Professional, scientific and technical services, employment165
- Administrative and support and waste management services, employment156
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Retail trade | 846 | 71 | $32,581 |
| Manufacturing | 565 | 28 | $60,414 |
| Construction | 250 | 82 | $44,441 |
| Other services, except public administration | 211 | 68 | $24,109 |
| Professional, scientific and technical services | 165 | 48 | $47,150 |
| Administrative and support and waste management services | 156 | 27 | $45,206 |
| Utilities | 120 | 9 | $107,008 |
| Transportation and warehousing | 97 | 23 | $63,170 |
Retail trade is the largest private sector at 846 jobs, 15.1 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Baker County
How many businesses are in Baker County?
- Establishments, all industries521
- Employment at those establishments4,507
- Annual payroll$206.9 m
- Establishments per 1,000 residents30.9
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.
Baker County
Building permits in Baker County
- Housing units authorized by permit, 202428
- Declared construction value permitted$8.0 m
- Single family units authorized26
- Multifamily units authorized2
- Multifamily share of units7.1 percent
- Average declared value per unit$286,697
- Units authorized per 1,000 households3.8
Single-family homes are 92.9 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Baker County
SBA loans in Baker County (7(a) and 504)
- 7(a) approvals recorded42
- 7(a) gross approval dollars$6.8 m
- Average 7(a) approval$161,233
- Median 7(a) approval$50,000
- 10th percentile approval$20,400
- 90th percentile approval$426,460
- Largest single approval$1,570,000
- Jobs reported supported, 7(a)294
- Jobs per approval7.0
- Distinct 7(a) lenders active9
- Distinct industries receiving approvals23
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer11.9 percent
- Loans on real estate terms5
- Loans on working capital terms, 120 months or shorter37
- Franchise loans4
- Franchise share of approvals9.5 percent
- Leading industry by approval countSite Preparation Contractors (7)
- Most active lenderU.S. Bank, National Association (21)
- 504 approvals recorded2
- 504 gross approval dollars$341,000
- Average 504 approval$170,500
- Median 504 approval$170,500
- Distinct CDCs active2
- 504 jobs per approval4.5
- 504 jobs per million dollars approved26.4
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$7.1 m
The average approval of $161,233 sits well above the median of $50,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 11.9 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.
Baker County
SBA loan default and charge-off rates in Baker County
Do SBA loans in Baker County get paid back?
- Loans with a final outcome recorded6
- Paid in full6
- Charged off0
- Status: Exempt from disclosure25
- Status: Paid in full6
- Status: Cancelled8
- Status: Committed, not yet disbursed3
Only 6 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.
Baker County
SBA lending by place in Baker County
- Borrower cities with recorded lending5
- Baker City, approvals33
- Haines, approvals4
- Richland, approvals2
- Halfway, approvals2
- Sumpter, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Baker City | 33 | $6,211,800 |
| Haines | 4 | $210,000 |
| Richland | 2 | $200,000 |
| Halfway | 2 | $100,000 |
| Sumpter | 1 | $50,000 |
Baker City accounts for 33 approvals against 4 in Haines. 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.
Baker County
How large is Baker County?
- Land area3,068 sq mi
- Rank by land area among Oregon counties10th of 36
- Width, east to west85.4 mi
- Height, north to south57 mi
- Geographies sharing a boundary6
- Residents per square mile of land5
- Establishments per square mile0.17
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.
Baker County
Flood risk in Baker County
- Participation of the county's own NFIP community Baker County, unincorporated areasParticipating, community 410001
- Communities in the county in the NFIP Community Status Book6
- Of those, participating in the NFIP6
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
- Radon levels in Baker 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 Baker County (community 410001), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Baker 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 Baker 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 Baker County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202416,840
- Households7,355
- Average household size2.29
- Median household income$60,936
- Median age47.0
Common questions
Baker County questions, answered from the record.
How many people live in Baker County, Oregon?
The Census Bureau estimates 16,750 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 16,840, in 7,355 households, ranking 28th of 36 Oregon counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Baker County's population growing?
The population has grown 0.49 percent since the 2020 census base of 16,669, to 16,750 on July 1, 2024. In 2024 there were 144 births against 275 deaths, with net migration of -22. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Baker County?
$60,936. The median owner-occupied home is valued at $285,600, which is 4.7 times income, and median gross rent is $865 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Baker County?
521 establishments, employing 4,507 people with an annual payroll of $206.9 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 Baker County?
Retail trade is the largest private sector at 846 jobs, 15.1 percent of covered employment. Covered employment averages 5,594 jobs at an average annual pay of $50,270, or $967 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Baker County?
42 7(a) approvals totaling $6.8 m since FY2020, across 9 lenders, with a median approval of $50,000, plus 2 504 approvals worth $341,000 since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Baker County?
28 housing units were authorized by permit in 2024, with a declared construction value of $8.0 m. Multifamily was 7.1 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Baker 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 Baker County come from?
The largest single origin is Union County, with 38 households. Arriving households report an average income of $60,425 against $49,490 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Baker 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 Baker 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.
Baker County
Cities and places in Baker.
8 Census places lie wholly or partly in Baker County. All 8 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 |
|---|---|---|---|---|
| Baker City | city | 10,210 | 33 | Wholly in this county |
| Huntington | city | 739 | None recorded | Wholly in this county |
| Halfway | city | 312 | 2 | Wholly in this county |
| Haines | city | 209 | 4 | Wholly in this county |
| Richland | city | 197 | 2 | Wholly in this county |
| Sumpter | city | 197 | 1 | Wholly in this county |
| Unity | city | 27 | None recorded | Wholly in this county |
| Greenhorn | city | 0 | None recorded | 88.3 percent here, 11.7 percent Grant County |