Jefferson County, Oregon: commercial real estate data.
Jefferson County, Oregon had an estimated 25,536 residents on July 1, 2024, up 4.2 percent since the 2020 census base of 24,503, across 1,781 square miles. County output reached $1.15 bn in 2024, 455 establishments operate here, and the SBA record carries 24 7(a) approvals worth $5.8 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Jefferson County
How many people live in Jefferson County
- Population, American Community Survey 2020-202425,203
- Households8,814
- Average household size2.86
- Median household income$76,260
- Median age41.5
- Median gross rent$941 per month
- Median owner-occupied home value$374,200
- Home value to household income4.9 times
- Annual rent as a share of median income14.8 percent
- Adults 25 and over with a bachelor degree or higher21.2 percent
- Adults 25 and over with a graduate degree6.7 percent
- Adults 25 and over17,575
- Population under 185,719
- Share under 1822.7 percent
- Population 65 and over5,016
- Share 65 and over19.9 percent
- Working age population, 18 to 6414,468
- Civilian labor force11,124
- Unemployment rate8.1 percent
- Labor force participation, adults 18 and over57.1 percent
- Rank by population among Oregon counties25th of 36
- Rank by population among US county-equivalents, Puerto Rico included1650th of 3,222
Jefferson County is the 25th largest of 36 Oregon counties by population. A median home costs 4.9 times median household income, which is seriously unaffordable by national standards. Residents under 18 outnumber those 65 and over, at 22.7 percent against 19.9 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Jefferson County
Is Jefferson County's population growing?
- Population, July 1, 202425,536
- Census 2020 base population24,503
- Population change since the 2020 census base4.22 percent
- Population change, 2023 to 202456
- Births, 2024268
- Deaths, 2024290
- Natural change, 2024-22
- Net domestic migration, 202462
- Net international migration, 202415
- Total net migration, 202477
- Cumulative net domestic migration, 2021 to 20241,056
- Rank by growth among US county-equivalents649th of 3,144
The county has grown 4.22 percent since the 2020 census base. Deaths exceeded births in 2024 and the population still grew, so all of the growth came from people moving in. A market held up by migration is more sensitive to a change in relative cost than one growing from household formation.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Jefferson County
Where are people moving to Jefferson County from?
- Tax returns filed by households arriving815
- People arriving, from those returns1,418
- Tax returns filed by households leaving714
- Net household movement101
- Adjusted gross income arriving$65.1 m
- Net adjusted gross income movement$24.6 m
- Average income of an arriving household$79,909
- Average income of a leaving household$56,822
- Largest single originDeschutes County (296 households)
- Largest single destinationDeschutes County (196 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Deschutes County | 296 | 510 | $16.5 m |
| Crook County | 48 | 93 | $2.9 m |
| Multnomah County | 46 | 72 | $3.2 m |
| Clackamas County | 44 | 78 | $4.8 m |
| Washington County | 36 | 59 | $4.8 m |
| Lane County | 24 | 34 | $2.0 m |
| Marion County | 21 | 30 | $1.2 m |
Households arriving report $23,087 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 Deschutes 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.
Jefferson County
What is the Jefferson County economy?
- County GDP, 2024$1.15 bn
- County GDP, 2023$1.10 bn
- GDP change, 2023 to 20244.5 percent
- GDP change over five years41.8 percent
- Rank by GDP among the Oregon areas BEA publishes27th of 36
- Rank by GDP among the US county areas BEA publishes1726th of 3,127
- GDP per resident$45,645
Output grew 4.5 percent in the latest year and 41.8 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.
Jefferson County
Employment by industry in Jefferson County
- Covered employment, annual average7,031
- Establishments reporting660
- Average annual pay$56,133
- Average weekly wage$1,079
- Manufacturing, employment1,196
- Manufacturing, average annual pay$62,446
- Health care and social assistance, employment869
- Health care and social assistance, average annual pay$68,611
- Retail trade, employment663
- Retail trade, average annual pay$34,215
- Accommodation and food services, employment617
- Accommodation and food services, average annual pay$25,845
- Agriculture, forestry, fishing and hunting, employment322
- Other services, except public administration, employment209
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 1,196 | 32 | $62,446 |
| Health care and social assistance | 869 | 74 | $68,611 |
| Retail trade | 663 | 61 | $34,215 |
| Accommodation and food services | 617 | 57 | $25,845 |
| Agriculture, forestry, fishing and hunting | 322 | 59 | $63,914 |
| Other services, except public administration | 209 | 63 | $33,940 |
| Wholesale trade | 172 | 23 | $59,260 |
| Administrative and support and waste management services | 167 | 31 | $52,481 |
Manufacturing is the largest private sector at 1,196 jobs, 17.0 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Jefferson County
How many businesses are in Jefferson County?
- Establishments, all industries455
- Employment at those establishments4,051
- Annual payroll$193.3 m
- Establishments per 1,000 residents18.1
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.
Jefferson County
Building permits in Jefferson County
- Housing units authorized by permit, 2024101
- Declared construction value permitted$29.1 m
- Single family units authorized97
- Multifamily units authorized4
- Multifamily share of units4.0 percent
- Average declared value per unit$288,015
- Units authorized per 1,000 households11.5
Single-family homes are 96.0 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Jefferson County
SBA loans in Jefferson County (7(a) and 504)
- 7(a) approvals recorded24
- 7(a) gross approval dollars$5.8 m
- Average 7(a) approval$243,696
- Median 7(a) approval$27,500
- 10th percentile approval$16,260
- 90th percentile approval$848,400
- Largest single approval$1,530,000
- Jobs reported supported, 7(a)94
- Jobs per approval3.9
- Distinct 7(a) lenders active9
- Distinct industries receiving approvals20
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer16.7 percent
- Loans on real estate terms4
- Loans on working capital terms, 120 months or shorter20
- Franchise loans0
- Franchise share of approvals0.0 percent
- Most active lenderColumbia Bank (9)
- 504 approvals recorded6
- 504 gross approval dollars$3.9 m
- Average 504 approval$647,333
- Median 504 approval$441,500
- Distinct CDCs active3
- 504 jobs per approval4.3
- 504 jobs per million dollars approved6.7
- Most active CDCEvergreen Business Capital (4)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$9.7 m
The average approval of $243,696 sits well above the median of $27,500, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 16.7 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.
Jefferson County
SBA loan default and charge-off rates in Jefferson County
Do SBA loans in Jefferson County get paid back?
- Loans with a final outcome recorded6
- Paid in full5
- Charged off1
- Status: Paid in full5
- Status: Cancelled3
- Status: Charged off1
- Status: Exempt from disclosure13
- Status: Committed, not yet disbursed2
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.
Jefferson County
SBA lending by place in Jefferson County
- Borrower cities with recorded lending6
- Madras, approvals12
- Terrebonne, approvals5
- Culver, approvals3
- Warm Springs, approvals2
- Camp Sherman, approvals1
- Crooked River Ranch, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Madras | 12 | $1,926,200 |
| Terrebonne | 5 | $1,490,000 |
| Culver | 3 | $1,839,500 |
| Warm Springs | 2 | $558,000 |
| Camp Sherman | 1 | $30,000 |
| Crooked River Ranch | 1 | $5,000 |
Madras accounts for 12 approvals against 5 in Terrebonne. 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.
Jefferson County
How large is Jefferson County?
- Land area1,781 sq mi
- Rank by land area among Oregon counties19th of 36
- Width, east to west72.5 mi
- Height, north to south30.1 mi
- Geographies sharing a boundary6
- Residents per square mile of land14
- Establishments per square mile0.26
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.
Jefferson County
Flood risk in Jefferson County
- Participation of the county's own NFIP community Jefferson County, unincorporated areasParticipating, community 410101
- 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 Jefferson 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 Jefferson County (community 410101), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Jefferson 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 Jefferson 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 Jefferson County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202425,203
- Households8,814
- Average household size2.86
- Median household income$76,260
- Median age41.5
Common questions
Jefferson County questions, answered from the record.
How many people live in Jefferson County, Oregon?
The Census Bureau estimates 25,536 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 25,203, in 8,814 households, ranking 25th of 36 Oregon counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Jefferson County's population growing?
The population has grown 4.22 percent since the 2020 census base of 24,503, to 25,536 on July 1, 2024. In 2024 there were 268 births against 290 deaths, with net migration of 77. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Jefferson County?
$76,260. The median owner-occupied home is valued at $374,200, which is 4.9 times income, and median gross rent is $941 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Jefferson County?
455 establishments, employing 4,051 people with an annual payroll of $193.3 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 Jefferson County?
Manufacturing is the largest private sector at 1,196 jobs, 17.0 percent of covered employment. Covered employment averages 7,031 jobs at an average annual pay of $56,133, or $1,079 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Jefferson County?
24 7(a) approvals totaling $5.8 m since FY2020, across 9 lenders, with a median approval of $27,500, plus 6 504 approvals worth $3.9 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Jefferson County?
101 housing units were authorized by permit in 2024, with a declared construction value of $29.1 m. Multifamily was 4.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Jefferson 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 Jefferson County come from?
The largest single origin is Deschutes County, with 296 households. Arriving households report an average income of $79,909 against $56,822 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Jefferson 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 Jefferson 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.
Jefferson County
Cities and places in Jefferson.
6 Census places lie wholly or partly in Jefferson County. All 6 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 |
|---|---|---|---|---|
| Madras | city | 7,676 | 12 | Wholly in this county |
| Crooked River Ranch | CDP | 5,160 | 1 | 84.6 percent here, 15.4 percent Deschutes County |
| Warm Springs | CDP | 2,480 | 2 | Wholly in this county |
| Culver | city | 2,254 | 3 | Wholly in this county |
| Metolius | city | 1,137 | None recorded | Wholly in this county |
| Camp Sherman | CDP | 298 | 1 | Wholly in this county |
A further 5 of the county's 24 SBA 7(a) approvals are to borrowers in cities that match no Census place in Jefferson County, the largest being Terrebonne (5). 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