Clatsop County, Oregon: commercial real estate data.
Clatsop County, Oregon had an estimated 41,043 residents on July 1, 2024, down 0.1 percent since the 2020 census base of 41,067, across 829 square miles. County output reached $2.64 bn in 2024, 1,602 establishments operate here, and the SBA record carries 147 7(a) approvals worth $68.6 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Clatsop County
How many people live in Clatsop County
- Population, American Community Survey 2020-202441,363
- Households17,984
- Average household size2.30
- Median household income$71,822
- Median age46.0
- Median gross rent$1,180 per month
- Median owner-occupied home value$468,300
- Home value to household income6.5 times
- Annual rent as a share of median income19.7 percent
- Adults 25 and over with a bachelor degree or higher28.7 percent
- Adults 25 and over with a graduate degree10.9 percent
- Adults 25 and over31,338
- Population under 187,389
- Share under 1817.9 percent
- Population 65 and over10,371
- Share 65 and over25.1 percent
- Working age population, 18 to 6423,603
- Civilian labor force19,274
- Unemployment rate4.7 percent
- Labor force participation, adults 18 and over56.7 percent
- Rank by population among Oregon counties19th of 36
- Rank by population among US county-equivalents, Puerto Rico included1181st of 3,222
Clatsop County is the 19th largest of 36 Oregon counties by population. A median home costs 6.5 times median household income, which is severely unaffordable by national standards. Residents 65 and over outnumber those under 18, at 25.1 percent against 17.9 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.
Clatsop County
Is Clatsop County's population growing?
- Population, July 1, 202441,043
- Census 2020 base population41,067
- Population change since the 2020 census base-0.06 percent
- Population change, 2023 to 2024-46
- Births, 2024325
- Deaths, 2024494
- Natural change, 2024-169
- Net domestic migration, 202459
- Net international migration, 202465
- Total net migration, 2024124
- Cumulative net domestic migration, 2021 to 2024542
- Rank by growth among US county-equivalents1857th of 3,144
The county has lost 0.06 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.
Clatsop County
Where are people moving to Clatsop County from?
- Tax returns filed by households arriving1,489
- People arriving, from those returns2,452
- Tax returns filed by households leaving1,480
- Net household movement9
- Adjusted gross income arriving$168.6 m
- Net adjusted gross income movement$57.0 m
- Average income of an arriving household$113,253
- Average income of a leaving household$75,434
- Largest single originMultnomah County (175 households)
- Largest single destinationMultnomah County (105 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Multnomah County | 175 | 270 | $30.8 m |
| Washington County | 114 | 186 | $14.4 m |
| Clackamas County | 68 | 95 | $15.1 m |
| Clark County | 40 | 64 | $2.8 m |
| King County | 40 | 68 | $6.4 m |
| Pacific County | 35 | 53 | $1.1 m |
| Columbia County | 28 | 49 | $1.9 m |
| Deschutes County | 28 | 52 | $2.0 m |
Households arriving report $37,819 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 Multnomah 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.
Clatsop County
What is the Clatsop County economy?
- County GDP, 2024$2.64 bn
- County GDP, 2023$2.54 bn
- GDP change, 2023 to 20244.1 percent
- GDP change over five years28.7 percent
- Rank by GDP among the Oregon areas BEA publishes18th of 36
- Rank by GDP among the US county areas BEA publishes1071st of 3,127
- GDP per resident$63,782
Output grew 4.1 percent in the latest year and 28.7 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.
Clatsop County
Employment by industry in Clatsop County
- Covered employment, annual average19,287
- Establishments reporting1,939
- Average annual pay$50,967
- Average weekly wage$980
- Accommodation and food services, employment4,660
- Accommodation and food services, average annual pay$32,361
- Retail trade, employment2,980
- Retail trade, average annual pay$38,500
- Health care and social assistance, employment2,616
- Health care and social assistance, average annual pay$65,485
- Manufacturing, employment1,882
- Manufacturing, average annual pay$72,786
- Construction, employment1,045
- Administrative and support and waste management services, employment707
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Accommodation and food services | 4,660 | 317 | $32,361 |
| Retail trade | 2,980 | 265 | $38,500 |
| Health care and social assistance | 2,616 | 187 | $65,485 |
| Manufacturing | 1,882 | 63 | $72,786 |
| Construction | 1,045 | 220 | $63,552 |
| Administrative and support and waste management services | 707 | 98 | $42,002 |
| Other services, except public administration | 583 | 150 | $35,028 |
| Professional, scientific and technical services | 354 | 157 | $59,481 |
Accommodation and food services is the largest private sector at 4,660 jobs, 24.2 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Clatsop County
How many businesses are in Clatsop County?
- Establishments, all industries1,602
- Employment at those establishments16,327
- Annual payroll$783.5 m
- Establishments per 1,000 residents38.7
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.
Clatsop County
Building permits in Clatsop County
- Housing units authorized by permit, 202497
- Declared construction value permitted$46.3 m
- Single family units authorized88
- Multifamily units authorized9
- Multifamily share of units9.3 percent
- Average declared value per unit$476,863
- Units authorized per 1,000 households5.4
Single-family homes are 90.7 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Clatsop County
SBA loans in Clatsop County (7(a) and 504)
- 7(a) approvals recorded147
- 7(a) gross approval dollars$68.6 m
- Average 7(a) approval$466,491
- Median 7(a) approval$50,000
- 10th percentile approval$20,000
- 90th percentile approval$1,683,520
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)1,087
- Jobs per approval7.4
- Distinct 7(a) lenders active26
- Distinct industries receiving approvals75
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer19.7 percent
- Loans on real estate terms29
- Loans on working capital terms, 120 months or shorter116
- Franchise loans12
- Franchise share of approvals8.2 percent
- Most active lenderColumbia Bank (62)
- 504 approvals recorded38
- 504 gross approval dollars$22.8 m
- Average 504 approval$600,263
- Median 504 approval$412,500
- Distinct CDCs active3
- 504 jobs per approval6.2
- 504 jobs per million dollars approved10.3
- Most active CDCEvergreen Business Capital (29)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$91.4 m
The average approval of $466,491 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 19.7 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.
Clatsop County
SBA loan default and charge-off rates in Clatsop County
Do SBA loans in Clatsop County get paid back?
- Loans with a final outcome recorded34
- Paid in full34
- Charged off0
- Charge-off rate on resolved loans0.0 percent
- Status: Paid in full34
- Status: Exempt from disclosure80
- Status: Cancelled22
- Status: Committed, not yet disbursed11
Of the 34 loans that have reached a final outcome, 0.0 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.
Clatsop County
SBA lending by place in Clatsop County
- Borrower cities with recorded lending8
- Astoria, approvals63
- Seaside, approvals31
- Warrenton, approvals27
- Cannon Beach, approvals16
- Gearhart, approvals4
- Hammond, approvals4
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Astoria | 63 | $19,665,600 |
| Seaside | 31 | $22,144,100 |
| Warrenton | 27 | $8,218,200 |
| Cannon Beach | 16 | $15,194,600 |
| Gearhart | 4 | $2,576,700 |
| Hammond | 4 | $730,000 |
| Lapine | 1 | $25,000 |
| Clatskanie | 1 | $20,000 |
Astoria accounts for 63 approvals against 31 in Seaside. 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.
Clatsop County
How large is Clatsop County?
- Land area829 sq mi
- Rank by land area among Oregon counties28th of 36
- Width, east to west31.8 mi
- Height, north to south34.3 mi
- Geographies sharing a boundary3
- Residents per square mile of land50
- Establishments per square mile1.93
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.
Clatsop County
Flood risk in Clatsop County
- Participation of the county's own NFIP community Clatsop County, unincorporated areasParticipating, community 410027
- 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 10
- Communities carrying a CRS class1
- Radon levels in Clatsop 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 Clatsop County (community 410027), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Clatsop 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 10, 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 Clatsop 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 Clatsop County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202441,363
- Households17,984
- Average household size2.30
- Median household income$71,822
- Median age46.0
Common questions
Clatsop County questions, answered from the record.
How many people live in Clatsop County, Oregon?
The Census Bureau estimates 41,043 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 41,363, in 17,984 households, ranking 19th of 36 Oregon counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Clatsop County's population growing?
The population has fallen 0.06 percent since the 2020 census base of 41,067, to 41,043 on July 1, 2024. In 2024 there were 325 births against 494 deaths, with net migration of 124. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Clatsop County?
$71,822. The median owner-occupied home is valued at $468,300, which is 6.5 times income, and median gross rent is $1,180 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Clatsop County?
1,602 establishments, employing 16,327 people with an annual payroll of $783.5 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 Clatsop County?
Accommodation and food services is the largest private sector at 4,660 jobs, 24.2 percent of covered employment. Covered employment averages 19,287 jobs at an average annual pay of $50,967, or $980 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Clatsop County?
147 7(a) approvals totaling $68.6 m since FY2020, across 26 lenders, with a median approval of $50,000, plus 38 504 approvals worth $22.8 m since FY2010. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Clatsop County get paid back?
Of the 34 loans that have reached a final outcome, 34 were paid in full and 0 charged off, a charge-off rate of 0.0 percent. Loans still running are excluded, because they have not yet succeeded or failed.
How many building permits were issued in Clatsop County?
97 housing units were authorized by permit in 2024, with a declared construction value of $46.3 m. Multifamily was 9.3 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Clatsop 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 Clatsop County come from?
The largest single origin is Multnomah County, with 175 households. Arriving households report an average income of $113,253 against $75,434 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Clatsop 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 Clatsop 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.
Clatsop County
Cities and places in Clatsop.
10 Census places lie wholly or partly in Clatsop County. All 10 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 |
|---|---|---|---|---|
| Astoria | city | 10,109 | 63 | Wholly in this county |
| Seaside | city | 7,192 | 31 | Wholly in this county |
| Warrenton | city | 6,327 | 27 | Wholly in this county |
| Gearhart | city | 1,978 | 4 | Wholly in this county |
| Cannon Beach | city | 1,361 | 16 | Wholly in this county |
| Knappa | CDP | 806 | None recorded | Wholly in this county |
| Svensen | CDP | 784 | None recorded | Wholly in this county |
| River Point | CDP | 475 | None recorded | Wholly in this county |
| Westport | CDP | 263 | None recorded | Wholly in this county |
| Jeffers Gardens | CDP | 235 | None recorded | Wholly in this county |
A further 6 of the county's 147 SBA 7(a) approvals are to borrowers in cities that match no Census place in Clatsop County, the largest being Hammond (4), Lapine (1), Clatskanie (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.
Nearby