Deschutes County, Oregon: commercial real estate data.
Deschutes County, Oregon had an estimated 211,535 residents on July 1, 2024, up 6.7 percent since the 2020 census base of 198,253, across 3,018 square miles. County output reached $16.68 bn in 2024, 8,553 establishments operate here, and the SBA record carries 393 7(a) approvals worth $181.2 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Deschutes County
How many people live in Deschutes County
- Population, American Community Survey 2020-2024206,334
- Households84,933
- Average household size2.43
- Median household income$92,758
- Median age42.9
- Median gross rent$1,787 per month
- Median owner-occupied home value$650,900
- Home value to household income7.0 times
- Annual rent as a share of median income23.1 percent
- Adults 25 and over with a bachelor degree or higher45.0 percent
- Adults 25 and over with a graduate degree16.6 percent
- Adults 25 and over154,015
- Population under 1839,069
- Share under 1818.9 percent
- Population 65 and over43,870
- Share 65 and over21.3 percent
- Working age population, 18 to 64123,395
- Civilian labor force109,166
- Unemployment rate4.4 percent
- Labor force participation, adults 18 and over65.3 percent
- Rank by population among Oregon counties7th of 36
- Rank by population among US county-equivalents, Puerto Rico included341st of 3,222
Deschutes County is the 7th largest of 36 Oregon counties by population. A median home costs 7.0 times median household income, which is severely unaffordable by national standards. Residents 65 and over outnumber those under 18, at 21.3 percent against 18.9 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.
Deschutes County
Is Deschutes County's population growing?
- Population, July 1, 2024211,535
- Census 2020 base population198,253
- Population change since the 2020 census base6.70 percent
- Population change, 2023 to 20242,678
- Births, 20241,804
- Deaths, 20241,790
- Natural change, 202414
- Net domestic migration, 20242,065
- Net international migration, 2024594
- Total net migration, 20242,659
- Cumulative net domestic migration, 2021 to 202410,879
- Rank by growth among US county-equivalents329th of 3,144
The county has grown 6.70 percent since the 2020 census base. The population grew in 2024 from both sources: births exceeded deaths and more people moved in than left.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Deschutes County
Where are people moving to Deschutes County from?
- Tax returns filed by households arriving8,167
- People arriving, from those returns13,327
- Tax returns filed by households leaving6,847
- Net household movement1,320
- Adjusted gross income arriving$1.12 bn
- Net adjusted gross income movement$450.5 m
- Average income of an arriving household$137,543
- Average income of a leaving household$98,270
- Largest single originMultnomah County (624 households)
- Largest single destinationCrook County (431 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Multnomah County | 624 | 1,004 | $157.5 m |
| Washington County | 438 | 772 | $68.6 m |
| Clackamas County | 346 | 592 | $55.3 m |
| Lane County | 328 | 481 | $43.9 m |
| King County | 264 | 446 | $56.4 m |
| Crook County | 243 | 421 | $17.1 m |
| Los Angeles County | 240 | 390 | $30.4 m |
| Marion County | 200 | 352 | $17.5 m |
Households arriving report $39,273 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.
Deschutes County
What is the Deschutes County economy?
- County GDP, 2024$16.68 bn
- County GDP, 2023$15.34 bn
- GDP change, 2023 to 20248.8 percent
- GDP change over five years49.6 percent
- Rank by GDP among the Oregon areas BEA publishes6th of 36
- Rank by GDP among the US county areas BEA publishes302nd of 3,127
- GDP per resident$80,853
Output grew 8.8 percent in the latest year and 49.6 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.
Deschutes County
Employment by industry in Deschutes County
- Covered employment, annual average93,866
- Establishments reporting11,562
- Average annual pay$66,229
- Average weekly wage$1,274
- Health care and social assistance, employment15,784
- Health care and social assistance, average annual pay$79,397
- Accommodation and food services, employment11,829
- Accommodation and food services, average annual pay$34,129
- Retail trade, employment11,742
- Retail trade, average annual pay$43,027
- Construction, employment7,779
- Construction, average annual pay$75,126
- Manufacturing, employment6,379
- Professional, scientific and technical services, employment5,740
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 15,784 | 1,268 | $79,397 |
| Accommodation and food services | 11,829 | 729 | $34,129 |
| Retail trade | 11,742 | 894 | $43,027 |
| Construction | 7,779 | 1,515 | $75,126 |
| Manufacturing | 6,379 | 462 | $65,729 |
| Professional, scientific and technical services | 5,740 | 1,871 | $107,150 |
| Administrative and support and waste management services | 4,184 | 612 | $51,868 |
| Other services, except public administration | 3,538 | 890 | $49,825 |
Health care and social assistance is the largest private sector at 15,784 jobs, 16.8 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Deschutes County
How many businesses are in Deschutes County?
- Establishments, all industries8,553
- Employment at those establishments78,499
- Annual payroll$4.49 bn
- Establishments per 1,000 residents41.5
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.
Deschutes County
Building permits in Deschutes County
- Housing units authorized by permit, 20241,624
- Declared construction value permitted$538.5 m
- Single family units authorized1,148
- Multifamily units authorized476
- Multifamily share of units29.3 percent
- Average declared value per unit$331,603
- Units authorized per 1,000 households19.1
Single-family homes are 70.7 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Deschutes County
SBA loans in Deschutes County (7(a) and 504)
- 7(a) approvals recorded393
- 7(a) gross approval dollars$181.2 m
- Average 7(a) approval$460,974
- Median 7(a) approval$150,000
- 10th percentile approval$25,000
- 90th percentile approval$1,363,440
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)3,748
- Jobs per approval9.5
- Distinct 7(a) lenders active54
- Distinct industries receiving approvals176
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer10.4 percent
- Loans on real estate terms41
- Loans on working capital terms, 120 months or shorter332
- Franchise loans31
- Franchise share of approvals7.9 percent
- Most active lenderU.S. Bank, National Association (63)
- 504 approvals recorded109
- 504 gross approval dollars$91.0 m
- Average 504 approval$834,541
- Median 504 approval$578,000
- Distinct CDCs active6
- 504 jobs per approval7.2
- 504 jobs per million dollars approved8.6
- Most active CDCEvergreen Business Capital (81)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$272.1 m
The average approval of $460,974 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. Only 10.4 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.
Deschutes County
SBA loan default and charge-off rates in Deschutes County
Do SBA loans in Deschutes County get paid back?
- Loans with a final outcome recorded81
- Paid in full77
- Charged off4
- Charge-off rate on resolved loans4.9 percent
- Status: Cancelled42
- Status: Exempt from disclosure252
- Status: Paid in full77
- Status: Charged off4
- Status: Committed, not yet disbursed18
Of the 81 loans that have reached a final outcome, 4.9 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.
Deschutes County
SBA lending by place in Deschutes County
- Borrower cities with recorded lending6
- Bend, approvals286
- Redmond, approvals64
- Sisters, approvals20
- La Pine, approvals13
- Terrebonne, approvals6
- Sunriver, approvals4
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Bend | 286 | $116,882,000 |
| Redmond | 64 | $44,742,200 |
| Sisters | 20 | $5,772,900 |
| La Pine | 13 | $12,623,700 |
| Terrebonne | 6 | $153,000 |
| Sunriver | 4 | $988,800 |
Bend accounts for 286 approvals against 64 in Redmond. 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.
Deschutes County
How large is Deschutes County?
- Land area3,018 sq mi
- Rank by land area among Oregon counties11th of 36
- Width, east to west105 mi
- Height, north to south54 mi
- Geographies sharing a boundary7
- Residents per square mile of land68
- Establishments per square mile2.83
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.
Deschutes County
Flood risk in Deschutes County
- Participation of the county's own NFIP community Deschutes County, unincorporated areasParticipating, community 410055
- Communities in the county in the NFIP Community Status Book4
- Of those, participating in the NFIP4
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
- Radon levels in Deschutes County, EPA zone predicted average indoor radon screening level less than 2 pCi/LZone 3
The county's own community in the status book, unincorporated Deschutes County (community 410055), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Deschutes County in radon zone 3, a predicted average indoor radon screening level less than 2 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 Deschutes 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 Deschutes County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-2024206,334
- Households84,933
- Average household size2.43
- Median household income$92,758
- Median age42.9
Common questions
Deschutes County questions, answered from the record.
How many people live in Deschutes County, Oregon?
The Census Bureau estimates 211,535 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 206,334, in 84,933 households, ranking 7th of 36 Oregon counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Deschutes County's population growing?
The population has grown 6.70 percent since the 2020 census base of 198,253, to 211,535 on July 1, 2024. In 2024 there were 1,804 births against 1,790 deaths, with net migration of 2,659. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Deschutes County?
$92,758. The median owner-occupied home is valued at $650,900, which is 7.0 times income, and median gross rent is $1,787 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Deschutes County?
8,553 establishments, employing 78,499 people with an annual payroll of $4.49 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is employment by industry in Deschutes County?
Health care and social assistance is the largest private sector at 15,784 jobs, 16.8 percent of covered employment. Covered employment averages 93,866 jobs at an average annual pay of $66,229, or $1,274 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Deschutes County?
393 7(a) approvals totaling $181.2 m since FY2020, across 54 lenders, with a median approval of $150,000, plus 109 504 approvals worth $91.0 m since FY2010. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Deschutes County get paid back?
Of the 81 loans that have reached a final outcome, 77 were paid in full and 4 charged off, a charge-off rate of 4.9 percent. Loans still running are excluded, because they have not yet succeeded or failed.
How many building permits were issued in Deschutes County?
1,624 housing units were authorized by permit in 2024, with a declared construction value of $538.5 m. Multifamily was 29.3 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Deschutes County?
Zone 3, a predicted average indoor radon screening level less than 2 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Deschutes County come from?
The largest single origin is Multnomah County, with 624 households. Arriving households report an average income of $137,543 against $98,270 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Deschutes 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 Deschutes 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.
Deschutes County
Cities and places in Deschutes.
15 Census places lie wholly or partly in Deschutes County. All 15 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 |
|---|---|---|---|---|
| Bend | city | 103,390 | 286 | Wholly in this county |
| Redmond | city | 36,092 | 64 | Wholly in this county |
| Deschutes River Woods | CDP | 5,797 | None recorded | Wholly in this county |
| Crooked River Ranch | CDP | 5,160 | None recorded | 15.4 percent here, 84.6 percent Jefferson County |
| Three Rivers | CDP | 3,995 | None recorded | Wholly in this county |
| Sisters | city | 3,022 | 20 | Wholly in this county |
| Eagle Crest | CDP | 2,677 | None recorded | Wholly in this county |
| La Pine | city | 2,547 | 13 | Wholly in this county |
| Terrebonne | CDP | 1,602 | 6 | Wholly in this county |
| Sunriver | CDP | 1,488 | 4 | Wholly in this county |
| Tetherow | CDP | 765 | None recorded | Wholly in this county |
| Tumalo | CDP | 662 | None recorded | Wholly in this county |
| Seventh Mountain | CDP | 335 | None recorded | Wholly in this county |
| Pronghorn | CDP | 257 | None recorded | Wholly in this county |
| Black Butte Ranch | CDP | 115 | None recorded | Wholly in this county |
Nearby