Klamath County, Oregon: commercial real estate data.
Klamath County, Oregon had an estimated 70,438 residents on July 1, 2024, up 1.5 percent since the 2020 census base of 69,412, across 5,941 square miles. County output reached $3.63 bn in 2024, 1,516 establishments operate here, and the SBA record carries 61 7(a) approvals worth $22.9 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Klamath County
How many people live in Klamath County
- Population, American Community Survey 2020-202470,247
- Households28,999
- Average household size2.42
- Median household income$58,830
- Median age41.3
- Median gross rent$991 per month
- Median owner-occupied home value$280,400
- Home value to household income4.8 times
- Annual rent as a share of median income20.2 percent
- Adults 25 and over with a bachelor degree or higher22.7 percent
- Adults 25 and over with a graduate degree8.4 percent
- Adults 25 and over49,500
- Population under 1815,216
- Share under 1821.7 percent
- Population 65 and over15,695
- Share 65 and over22.3 percent
- Working age population, 18 to 6439,336
- Civilian labor force28,179
- Unemployment rate7.2 percent
- Labor force participation, adults 18 and over51.2 percent
- Rank by population among Oregon counties15th of 36
- Rank by population among US county-equivalents, Puerto Rico included787th of 3,222
Klamath County is the 15th largest of 36 Oregon counties by population. A median home costs 4.8 times median household income, which is seriously unaffordable by national standards. Residents 65 and over outnumber those under 18, at 22.3 percent against 21.7 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.
Klamath County
Is Klamath County's population growing?
- Population, July 1, 202470,438
- Census 2020 base population69,412
- Population change since the 2020 census base1.48 percent
- Population change, 2023 to 202491
- Births, 2024750
- Deaths, 2024987
- Natural change, 2024-237
- Net domestic migration, 2024242
- Net international migration, 202486
- Total net migration, 2024328
- Cumulative net domestic migration, 2021 to 20241,748
- Rank by growth among US county-equivalents1342nd of 3,144
The county has grown 1.48 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.
Klamath County
Where are people moving to Klamath County from?
- Tax returns filed by households arriving1,839
- People arriving, from those returns3,255
- Tax returns filed by households leaving1,742
- Net household movement97
- Adjusted gross income arriving$101.3 m
- Net adjusted gross income movement$-2.6 m
- Average income of an arriving household$55,105
- Average income of a leaving household$59,693
- Largest single originJackson County (130 households)
- Largest single destinationJackson County (163 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Jackson County | 130 | 224 | $6.3 m |
| Deschutes County | 124 | 215 | $6.1 m |
| Lane County | 63 | 111 | $3.9 m |
| Multnomah County | 51 | 78 | $3.9 m |
| Washington County | 46 | 67 | $2.5 m |
| Clackamas County | 40 | 54 | $2.4 m |
| Marion County | 39 | 58 | $2.3 m |
| Josephine County | 37 | 72 | $1.6 m |
Households arriving report $4,588 less average income than households leaving, which drains spending power even where headcount holds up. 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.
Klamath County
What is the Klamath County economy?
- County GDP, 2024$3.63 bn
- County GDP, 2023$3.36 bn
- GDP change, 2023 to 20248.1 percent
- GDP change over five years41.9 percent
- Rank by GDP among the Oregon areas BEA publishes14th of 36
- Rank by GDP among the US county areas BEA publishes872nd of 3,127
- GDP per resident$51,629
Output grew 8.1 percent in the latest year and 41.9 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.
Klamath County
Employment by industry in Klamath County
- Covered employment, annual average23,856
- Establishments reporting2,382
- Average annual pay$53,739
- Average weekly wage$1,033
- Health care and social assistance, employment4,551
- Health care and social assistance, average annual pay$61,309
- Retail trade, employment3,089
- Retail trade, average annual pay$35,140
- Accommodation and food services, employment2,424
- Accommodation and food services, average annual pay$26,162
- Manufacturing, employment1,604
- Manufacturing, average annual pay$62,486
- Construction, employment1,193
- Other services, except public administration, employment946
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 4,551 | 361 | $61,309 |
| Retail trade | 3,089 | 215 | $35,140 |
| Accommodation and food services | 2,424 | 202 | $26,162 |
| Manufacturing | 1,604 | 52 | $62,486 |
| Construction | 1,193 | 257 | $59,012 |
| Other services, except public administration | 946 | 246 | $30,065 |
| Agriculture, forestry, fishing and hunting | 938 | 130 | $54,021 |
| Professional, scientific and technical services | 773 | 163 | $65,539 |
Health care and social assistance is the largest private sector at 4,551 jobs, 19.1 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Klamath County
How many businesses are in Klamath County?
- Establishments, all industries1,516
- Employment at those establishments16,763
- Annual payroll$789.5 m
- Establishments per 1,000 residents21.6
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.
Klamath County
Building permits in Klamath County
- Housing units authorized by permit, 2024232
- Declared construction value permitted$64.2 m
- Single family units authorized142
- Multifamily units authorized90
- Multifamily share of units38.8 percent
- Average declared value per unit$276,851
- Units authorized per 1,000 households8.0
Single-family homes are 61.2 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Klamath County
SBA loans in Klamath County (7(a) and 504)
- 7(a) approvals recorded61
- 7(a) gross approval dollars$22.9 m
- Average 7(a) approval$376,156
- Median 7(a) approval$50,000
- 10th percentile approval$15,000
- 90th percentile approval$956,000
- Largest single approval$3,645,500
- Jobs reported supported, 7(a)467
- Jobs per approval7.7
- Distinct 7(a) lenders active23
- Distinct industries receiving approvals45
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer14.8 percent
- Loans on real estate terms9
- Loans on working capital terms, 120 months or shorter52
- Franchise loans3
- Franchise share of approvals4.9 percent
- Most active lenderColumbia Bank (22)
- 504 approvals recorded7
- 504 gross approval dollars$6.2 m
- Average 504 approval$880,429
- Median 504 approval$657,000
- Distinct CDCs active4
- 504 jobs per approval7.7
- 504 jobs per million dollars approved8.8
- Most active CDCEvergreen Business Capital (4)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$29.1 m
The average approval of $376,156 sits well above the median of $50,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 14.8 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.
Klamath County
SBA loan default and charge-off rates in Klamath County
Do SBA loans in Klamath County get paid back?
- Loans with a final outcome recorded7
- Paid in full7
- Charged off0
- Status: Exempt from disclosure42
- Status: Cancelled6
- Status: Paid in full7
- Status: Committed, not yet disbursed6
Only 7 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.
Klamath County
SBA lending by place in Klamath County
- Borrower cities with recorded lending9
- Klamath Falls, approvals41
- Merrill, approvals6
- Chiloquin, approvals5
- Crescent, approvals2
- Keno, approvals2
- Malin, approvals2
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Klamath Falls | 41 | $19,543,200 |
| Merrill | 6 | $606,000 |
| Chiloquin | 5 | $1,121,900 |
| Crescent | 2 | $910,000 |
| Keno | 2 | $200,000 |
| Malin | 2 | $65,000 |
| Milwaukie | 1 | $350,000 |
| La Pine | 1 | $134,400 |
| 1 other borrower city | 1 | $15,000 |
Klamath Falls accounts for 41 approvals against 6 in Merrill. 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.
Klamath County
How large is Klamath County?
- Land area5,941 sq mi
- Rank by land area among Oregon counties4th of 36
- Width, east to west72 mi
- Height, north to south112.1 mi
- Geographies sharing a boundary7
- Residents per square mile of land12
- 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.
Klamath County
Flood risk in Klamath County
- Participation of the county's own NFIP community Klamath County, unincorporated areasParticipating, community 410109
- Communities in the county in the NFIP Community Status Book5
- Of those, participating in the NFIP4
- NFIP participation rate80.0 percent
- Communities carrying a CRS class0
- Radon levels in Klamath 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 Klamath County (community 410109), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Klamath 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. 80.0 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 Klamath 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 Klamath County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202470,247
- Households28,999
- Average household size2.42
- Median household income$58,830
- Median age41.3
Common questions
Klamath County questions, answered from the record.
How many people live in Klamath County, Oregon?
The Census Bureau estimates 70,438 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 70,247, in 28,999 households, ranking 15th of 36 Oregon counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Klamath County's population growing?
The population has grown 1.48 percent since the 2020 census base of 69,412, to 70,438 on July 1, 2024. In 2024 there were 750 births against 987 deaths, with net migration of 328. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Klamath County?
$58,830. The median owner-occupied home is valued at $280,400, which is 4.8 times income, and median gross rent is $991 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Klamath County?
1,516 establishments, employing 16,763 people with an annual payroll of $789.5 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 Klamath County?
Health care and social assistance is the largest private sector at 4,551 jobs, 19.1 percent of covered employment. Covered employment averages 23,856 jobs at an average annual pay of $53,739, or $1,033 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Klamath County?
61 7(a) approvals totaling $22.9 m since FY2020, across 23 lenders, with a median approval of $50,000, plus 7 504 approvals worth $6.2 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Klamath County?
232 housing units were authorized by permit in 2024, with a declared construction value of $64.2 m. Multifamily was 38.8 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Klamath 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 Klamath County come from?
The largest single origin is Jackson County, with 130 households. Arriving households report an average income of $55,105 against $59,693 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Klamath 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 Klamath 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.
Klamath County
Cities and places in Klamath.
20 Census places lie wholly or partly in Klamath County. All 20 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 |
|---|---|---|---|---|
| Klamath Falls | city | 22,115 | 41 | Wholly in this county |
| Altamont | CDP | 19,927 | None recorded | Wholly in this county |
| Keno | CDP | 1,651 | 2 | Wholly in this county |
| Falcon Heights | CDP | 837 | None recorded | Wholly in this county |
| Merrill | city | 819 | 6 | Wholly in this county |
| Malin | city | 799 | 2 | Wholly in this county |
| Bonanza | town | 632 | None recorded | Wholly in this county |
| Running Y Ranch | CDP | 607 | None recorded | Wholly in this county |
| Rocky Point | CDP | 478 | None recorded | Wholly in this county |
| Chiloquin | city | 465 | 5 | Wholly in this county |
| Oregon Shores | CDP | 428 | None recorded | Wholly in this county |
| Crescent | CDP | 363 | 2 | Wholly in this county |
| Gilchrist | CDP | 291 | None recorded | Wholly in this county |
| Fort Klamath | CDP | 155 | None recorded | Wholly in this county |
| Crescent Lake | CDP | 154 | None recorded | Wholly in this county |
| Bly | CDP | 150 | None recorded | Wholly in this county |
| Beatty | CDP | 97 | None recorded | Wholly in this county |
| Beaver Marsh | CDP | 96 | None recorded | Wholly in this county |
| Chemult | CDP | 21 | 1 | Wholly in this county |
| Sprague River | CDP | 0 | None recorded | Wholly in this county |
A further 2 of the county's 61 SBA 7(a) approvals are to borrowers in cities that match no Census place in Klamath County, the largest being Milwaukie (1), La Pine (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.