Josephine County, Oregon: commercial real estate data.
Josephine County, Oregon had an estimated 88,276 residents on July 1, 2024, up 0.2 percent since the 2020 census base of 88,088, across 1,640 square miles. County output reached $3.92 bn in 2024, 2,110 establishments operate here, and the SBA record carries 78 7(a) approvals worth $37.4 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Josephine County
How many people live in Josephine County
- Population, American Community Survey 2020-202488,179
- Households36,715
- Average household size2.40
- Median household income$60,098
- Median age47.3
- Median gross rent$1,194 per month
- Median owner-occupied home value$404,300
- Home value to household income6.7 times
- Annual rent as a share of median income23.8 percent
- Adults 25 and over with a bachelor degree or higher19.7 percent
- Adults 25 and over with a graduate degree7.2 percent
- Adults 25 and over65,847
- Population under 1816,970
- Share under 1819.2 percent
- Population 65 and over23,999
- Share 65 and over27.2 percent
- Working age population, 18 to 6447,210
- Civilian labor force36,419
- Unemployment rate6.4 percent
- Labor force participation, adults 18 and over51.1 percent
- Rank by population among Oregon counties13th of 36
- Rank by population among US county-equivalents, Puerto Rico included677th of 3,222
Josephine County is the 13th largest of 36 Oregon counties by population. A median home costs 6.7 times median household income, which is severely unaffordable by national standards. Residents 65 and over outnumber those under 18, at 27.2 percent against 19.2 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.
Josephine County
Is Josephine County's population growing?
- Population, July 1, 202488,276
- Census 2020 base population88,088
- Population change since the 2020 census base0.21 percent
- Population change, 2023 to 2024275
- Births, 2024772
- Deaths, 20241,397
- Natural change, 2024-625
- Net domestic migration, 2024784
- Net international migration, 2024123
- Total net migration, 2024907
- Cumulative net domestic migration, 2021 to 20242,491
- Rank by growth among US county-equivalents1755th of 3,144
The county has grown 0.21 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.
Josephine County
Where are people moving to Josephine County from?
- Tax returns filed by households arriving2,323
- People arriving, from those returns4,090
- Tax returns filed by households leaving2,288
- Net household movement35
- Adjusted gross income arriving$146.8 m
- Net adjusted gross income movement$26.4 m
- Average income of an arriving household$63,197
- Average income of a leaving household$52,606
- Largest single originJackson County (545 households)
- Largest single destinationJackson County (592 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Jackson County | 545 | 953 | $27.3 m |
| Los Angeles County | 71 | 113 | $6.0 m |
| Douglas County | 65 | 128 | $3.2 m |
| Multnomah County | 60 | 90 | $9.3 m |
| San Diego County | 56 | 107 | $4.3 m |
| Lane County | 56 | 85 | $2.1 m |
| Orange County | 41 | 66 | $2.8 m |
| Klamath County | 41 | 82 | $2.1 m |
Households arriving report $10,591 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 Jackson 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.
Josephine County
What is the Josephine County economy?
- County GDP, 2024$3.92 bn
- County GDP, 2023$3.70 bn
- GDP change, 2023 to 20246.0 percent
- GDP change over five years25.3 percent
- Rank by GDP among the Oregon areas BEA publishes13th of 36
- Rank by GDP among the US county areas BEA publishes817th of 3,127
- GDP per resident$44,504
Output grew 6.0 percent in the latest year and 25.3 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.
Josephine County
Employment by industry in Josephine County
- Covered employment, annual average31,420
- Establishments reporting2,806
- Average annual pay$49,117
- Average weekly wage$945
- Health care and social assistance, employment10,074
- Health care and social assistance, average annual pay$48,221
- Retail trade, employment4,101
- Retail trade, average annual pay$37,492
- Accommodation and food services, employment3,019
- Accommodation and food services, average annual pay$24,597
- Manufacturing, employment2,809
- Manufacturing, average annual pay$53,913
- Construction, employment1,132
- Other services, except public administration, employment1,004
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 10,074 | 425 | $48,221 |
| Retail trade | 4,101 | 316 | $37,492 |
| Accommodation and food services | 3,019 | 228 | $24,597 |
| Manufacturing | 2,809 | 138 | $53,913 |
| Construction | 1,132 | 334 | $52,720 |
| Other services, except public administration | 1,004 | 226 | $36,074 |
| Finance and insurance | 904 | 126 | $80,202 |
| Administrative and support and waste management services | 777 | 146 | $45,050 |
Health care and social assistance is the largest private sector at 10,074 jobs, 32.1 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Josephine County
How many businesses are in Josephine County?
- Establishments, all industries2,110
- Employment at those establishments23,608
- Annual payroll$1.09 bn
- Establishments per 1,000 residents23.9
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.
Josephine County
Building permits in Josephine County
- Housing units authorized by permit, 2024202
- Declared construction value permitted$53.1 m
- Single family units authorized174
- Multifamily units authorized28
- Multifamily share of units13.9 percent
- Average declared value per unit$262,818
- Units authorized per 1,000 households5.5
Single-family homes are 86.1 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Josephine County
SBA loans in Josephine County (7(a) and 504)
- 7(a) approvals recorded78
- 7(a) gross approval dollars$37.4 m
- Average 7(a) approval$479,265
- Median 7(a) approval$156,000
- 10th percentile approval$21,400
- 90th percentile approval$1,318,500
- Largest single approval$3,680,000
- Jobs reported supported, 7(a)550
- Jobs per approval7.1
- Distinct 7(a) lenders active24
- Distinct industries receiving approvals52
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer25.6 percent
- Loans on real estate terms20
- Loans on working capital terms, 120 months or shorter57
- Franchise loans7
- Franchise share of approvals9.0 percent
- Leading industry by approval countLimited-Service Restaurants (6)
- Most active lenderU.S. Bank, National Association (12)
- 504 approvals recorded14
- 504 gross approval dollars$13.2 m
- Average 504 approval$943,857
- Median 504 approval$709,000
- Distinct CDCs active4
- 504 jobs per approval30.1
- 504 jobs per million dollars approved31.9
- Most active CDCEvergreen Business Capital (11)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$50.6 m
The average approval of $479,265 sits well above the median of $156,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 25.6 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.
Josephine County
SBA loan default and charge-off rates in Josephine County
Do SBA loans in Josephine County get paid back?
- Loans with a final outcome recorded16
- Paid in full14
- Charged off2
- Status: Exempt from disclosure52
- Status: Paid in full14
- Status: Charged off2
- Status: Cancelled4
- Status: Committed, not yet disbursed6
Only 16 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.
Josephine County
SBA lending by place in Josephine County
- Borrower cities with recorded lending6
- Grants Pass, approvals66
- Cave Junction, approvals6
- Merlin, approvals3
- O'Brien, approvals1
- Wolf Creek, approvals1
- Medford, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Grants Pass | 66 | $30,656,100 |
| Cave Junction | 6 | $4,861,600 |
| Merlin | 3 | $702,000 |
| O'Brien | 1 | $990,000 |
| Wolf Creek | 1 | $148,000 |
| Medford | 1 | $25,000 |
Grants Pass accounts for 66 approvals against 6 in Cave Junction. 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.
Josephine County
How large is Josephine County?
- Land area1,640 sq mi
- Rank by land area among Oregon counties21st of 36
- Width, east to west41.5 mi
- Height, north to south54.5 mi
- Geographies sharing a boundary5
- Residents per square mile of land54
- Establishments per square mile1.29
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.
Josephine County
Flood risk in Josephine County
- Participation of the county's own NFIP community Josephine County, unincorporated areasParticipating, community 415590
- Communities in the county in the NFIP Community Status Book3
- Of those, participating in the NFIP3
- 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 8
- Communities carrying a CRS class1
- Radon levels in Josephine 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 Josephine County (community 415590), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Josephine 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. The best Community Rating System class among the county's communities is 8, 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 Josephine 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 Josephine County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202488,179
- Households36,715
- Average household size2.40
- Median household income$60,098
- Median age47.3
Common questions
Josephine County questions, answered from the record.
How many people live in Josephine County, Oregon?
The Census Bureau estimates 88,276 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 88,179, in 36,715 households, ranking 13th of 36 Oregon counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Josephine County's population growing?
The population has grown 0.21 percent since the 2020 census base of 88,088, to 88,276 on July 1, 2024. In 2024 there were 772 births against 1,397 deaths, with net migration of 907. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Josephine County?
$60,098. The median owner-occupied home is valued at $404,300, which is 6.7 times income, and median gross rent is $1,194 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Josephine County?
2,110 establishments, employing 23,608 people with an annual payroll of $1.09 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 Josephine County?
Health care and social assistance is the largest private sector at 10,074 jobs, 32.1 percent of covered employment. Covered employment averages 31,420 jobs at an average annual pay of $49,117, or $945 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Josephine County?
78 7(a) approvals totaling $37.4 m since FY2020, across 24 lenders, with a median approval of $156,000, plus 14 504 approvals worth $13.2 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Josephine County?
202 housing units were authorized by permit in 2024, with a declared construction value of $53.1 m. Multifamily was 13.9 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Josephine 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 Josephine County come from?
The largest single origin is Jackson County, with 545 households. Arriving households report an average income of $63,197 against $52,606 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Josephine 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 Josephine 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.
Josephine County
Cities and places in Josephine.
10 Census places lie wholly or partly in Josephine 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 |
|---|---|---|---|---|
| Grants Pass | city | 39,311 | 66 | Wholly in this county |
| Redwood | CDP | 3,721 | None recorded | Wholly in this county |
| Cave Junction | city | 1,691 | 6 | Wholly in this county |
| Merlin | CDP | 1,617 | 3 | Wholly in this county |
| New Hope | CDP | 1,296 | None recorded | Wholly in this county |
| Williams | CDP | 760 | None recorded | Wholly in this county |
| Takilma | CDP | 658 | None recorded | Wholly in this county |
| Selma | CDP | 520 | None recorded | Wholly in this county |
| O'Brien | CDP | 379 | 1 | Wholly in this county |
| Kerby | CDP | 187 | None recorded | Wholly in this county |
A further 2 of the county's 78 SBA 7(a) approvals are to borrowers in cities that match no Census place in Josephine County, the largest being Wolf Creek (1), Medford (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