HomeOregonClatsop CountyGearhart
Gearhart, Oregon: commercial real estate data.
Gearhart 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 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
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 loans in Gearhart (7(a))
- Approvals4
- Gross approval$2,576,700
- Average approval$644,175
- Median approval$379,000
- 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
Counted by borrower city: approvals to borrowers whose address is in Gearhart, in any county, FY2020 to FY2026. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Gearhart
SBA loans in Gearhart (504)
- Approvals2
- Gross approval$1,335,000
- Average approval$667,500
- Median approval$667,500
- Largest approval$856,000
- Jobs supported5
- Loans with a final outcome1
- Charged off0
- Median term270 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Gearhart, in any county, FY2010 to FY2026. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Gearhart
Flood risk in Gearhart
- NFIP communityCity of Gearhart
- NFIP community number410030
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date06/20/18
The City of Gearhart participates in the National Flood Insurance Program as community 410030 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Clatsop County, not Gearhart
Clatsop County context, not Gearhart figures
- Establishments in Clatsop County1,602
- Covered employment, Clatsop County19,287
- Average annual pay, Clatsop County$50,967
- Housing units permitted, Clatsop County97
Every figure in this section is published for Clatsop County as a whole and is not a measurement of Gearhart.
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.
Coverage
What this page does not hold.
Parcel detail, 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 →
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 totaling $2.6 m since FY2020, across 4 lenders, median approval $379,000, plus 2 504 approvals worth $1.3 m since FY2010. 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 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Gearhart in the National Flood Insurance Program?
Yes. Gearhart appears in the FEMA Community Status Book as Gearhart, city of, community 410030, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Gearhart figures?
No, and they are labeled 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?
No. Nothing on this page presents parcel level zoning.
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