HomeOregonClatsop CountyGearhart city
Gearhart city, Oregon: commercial real estate data.
Gearhart city is a Census city of 1,978 people across 1.87 square miles of land, in Clatsop County. Median household income is $92,250, 85.7 percent of occupied homes are owned, and the SBA record carries 4 7(a) approvals to borrowers here worth $2.6 m.
76 sourced place values · tier FULL · 8 sections
Gearhart
What Gearhart is
- Census place typecity
- Land area1.87 sq mi
- Water area0.19 sq mi
- Population per square mile of land1,058
- County holding the largest share of its areaClatsop 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.
Gearhart
How many people live in Gearhart
- Population1,978
- Median age48.1
- Population under 18371 plus or minus 123
- Share under 1818.8 percent plus or minus 5.3
- Population 65 and over622
- Share 65 and over31.4 percent
- Households828
- Family households650
- Share of households that are families78.5 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gearhart
Income and work in Gearhart
- Median household income$92,250
- Per capita income$52,217
- Civilian labor force954
- Employed891
- Unemployed63 plus or minus 58
- Unemployment rate6.6 percent plus or minus 6.0
- Adults 25 and over1,525
- Adults 25 and over with a high school diploma or higher97.8 percent
- Adults 25 and over with a bachelor degree or higher48.1 percent
- Adults 25 and over with a graduate degree19.8 percent plus or minus 6.1
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gearhart
Housing in Gearhart
- Housing units1,506
- Occupied units828
- Vacant units678
- Vacancy rate45.0 percent
- Owner occupied710
- Renter occupied118 plus or minus 66
- Ownership rate85.7 percent
- Median owner-occupied home value$688,100
- Median gross rent, monthly$1,093
- Annual rent as a share of median income14.2 percent
- Single family units1,187
- Share single family78.8 percent
- Units in buildings of two or more307 plus or minus 100
- Share in buildings of two or more20.4 percent plus or minus 6.4
- Mobile homes9 plus or minus 12
- Median year structure built1985
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gearhart
How Gearhart gets to work
- Workers 16 and over who commute720
- Commuting under 15 minutes359 plus or minus 114
- Share commuting under 15 minutes49.9 percent plus or minus 12.7
- Commuting 30 minutes or more125 plus or minus 62
- Share commuting 30 minutes or more17.4 percent plus or minus 8.0
- Drove alone59.0 percent
- Carpooled14.2 percent plus or minus 8.3
- Public transport1.6 percent plus or minus 2.3
- Walked6.3 percent plus or minus 5.7
- Worked from home18.8 percent plus or minus 9.2
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gearhart
SBA 7(a) lending to Gearhart borrowers
- Approvals4
- Gross approval$2,576,700
- Average approval$644,175
- Median approval$408,000
- Ninetieth percentile approval$1,768,700
- Largest approval$1,768,700
- Jobs supported109
- Jobs per approval27.3
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises50.0 percent
- Distinct lenders4
- Distinct industries by NAICS4
A charge-off rate is not published here. only 0 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Gearhart
SBA 504 lending to Gearhart borrowers
- Approvals2
- Gross approval$1,335,000
- Average approval$667,500
- Median approval$856,000
- Largest approval$856,000
- Jobs supported5
- Loans with a final outcome1
- Charged off0
- Median term300 months
- Distinct CDCs1
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Clatsop County, not Gearhart
Clatsop County context, not Gearhart figures
These are Clatsop County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Gearhart measurements.
- Establishments in Clatsop County1,602
- Employment at those establishments, Clatsop County16,327
- Covered employment, Clatsop County19,287
- Average annual pay, Clatsop County$50,967
- Average weekly wage, Clatsop County$980
- Housing units permitted, Clatsop County97
- Of those, single family, Clatsop County88
- County product, 2024, Clatsop County$2,638,224,000
- County product change over the prior year, Clatsop County4.1 percent
- Average income of an arriving household, Clatsop County$113,253
Every figure in this section is published for Clatsop County as a whole and is not a measurement of Gearhart. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
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. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- This place is not listed as a community in the FEMA Community Status Book, so no NFIP participation or CRS class is shown.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
Gearhart questions, answered from the record.
How many people live in Gearhart, Oregon?
1,978, in 828 households. Gearhart city covers 1.87 square miles of land, which is 1,058 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Gearhart in?
Clatsop 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 Gearhart?
$92,250. The median owner-occupied home is valued at $688,100. Median gross rent is $1,093 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Gearhart businesses?
4 7(a) approvals totalling $2.6 m, across 4 lenders, median approval $408,000, plus 2 504 approvals worth $1.3 m. These count approvals to borrowers whose address is in Gearhart, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Gearhart borrowers get paid back?
No rate is published for Gearhart. only 0 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Are the county figures on this page Gearhart figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Clatsop 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 Gearhart.
Is zoning published for Gearhart?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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