Umatilla County, Oregon: commercial real estate data.
Umatilla County, Oregon had an estimated 80,491 residents on July 1, 2024, up 0.5 percent since the 2020 census base of 80,078, across 3,216 square miles. County output reached $4.55 bn in 2024, 1,616 establishments operate here, and the SBA record carries 77 7(a) approvals worth $51.1 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Umatilla County
How many people live in Umatilla County
- Population, American Community Survey 2020-202479,940
- Households28,707
- Average household size2.78
- Median household income$67,728
- Median age36.9
- Median gross rent$997 per month
- Median owner-occupied home value$282,600
- Home value to household income4.2 times
- Annual rent as a share of median income17.7 percent
- Adults 25 and over with a bachelor degree or higher18.3 percent
- Adults 25 and over with a graduate degree6.5 percent
- Adults 25 and over53,183
- Population under 1819,651
- Share under 1824.6 percent
- Population 65 and over13,092
- Share 65 and over16.4 percent
- Working age population, 18 to 6447,197
- Civilian labor force37,047
- Unemployment rate5.0 percent
- Labor force participation, adults 18 and over61.4 percent
- Rank by population among Oregon counties14th of 36
- Rank by population among US county-equivalents, Puerto Rico included729th of 3,222
Umatilla County is the 14th largest of 36 Oregon counties by population. A median home costs 4.2 times median household income, which is seriously unaffordable by national standards. Residents under 18 outnumber those 65 and over, at 24.6 percent against 16.4 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Umatilla County
Is Umatilla County's population growing?
- Population, July 1, 202480,491
- Census 2020 base population80,078
- Population change since the 2020 census base0.52 percent
- Population change, 2023 to 2024619
- Births, 2024729
- Deaths, 2024798
- Natural change, 2024-69
- Net domestic migration, 2024249
- Net international migration, 2024443
- Total net migration, 2024692
- Cumulative net domestic migration, 2021 to 2024-195
- Rank by growth among US county-equivalents1649th of 3,144
The county has grown 0.52 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.
Umatilla County
Where are people moving to Umatilla County from?
- Tax returns filed by households arriving1,687
- People arriving, from those returns2,952
- Tax returns filed by households leaving1,692
- Net household movement-5
- Adjusted gross income arriving$84.8 m
- Net adjusted gross income movement$-2.5 m
- Average income of an arriving household$50,244
- Average income of a leaving household$51,583
- Largest single originWalla Walla County (175 households)
- Largest single destinationWalla Walla County (191 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Walla Walla County | 175 | 337 | $8.8 m |
| Morrow County | 128 | 260 | $6.6 m |
| Benton County | 114 | 207 | $5.5 m |
| Marion County | 75 | 107 | $2.3 m |
| Union County | 69 | 104 | $3.3 m |
| Multnomah County | 66 | 94 | $3.3 m |
| Washington County | 59 | 109 | $3.1 m |
| Clackamas County | 37 | 71 | $3.0 m |
Households arriving report $1,339 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is Walla Walla 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.
Umatilla County
What is the Umatilla County economy?
- County GDP, 2024$4.55 bn
- County GDP, 2023$4.74 bn
- GDP change, 2023 to 2024-3.9 percent
- GDP change over five years26.0 percent
- Rank by GDP among the Oregon areas BEA publishes12th of 36
- Rank by GDP among the US county areas BEA publishes750th of 3,127
- GDP per resident$56,937
Output grew -3.9 percent in the latest year and 26.0 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.
Umatilla County
Employment by industry in Umatilla County
- Covered employment, annual average33,030
- Establishments reporting2,534
- Average annual pay$55,594
- Average weekly wage$1,069
- Health care and social assistance, employment4,313
- Health care and social assistance, average annual pay$59,851
- Agriculture, forestry, fishing and hunting, employment3,576
- Agriculture, forestry, fishing and hunting, average annual pay$43,834
- Retail trade, employment3,379
- Retail trade, average annual pay$36,514
- Accommodation and food services, employment2,783
- Accommodation and food services, average annual pay$23,982
- Manufacturing, employment2,630
- Transportation and warehousing, employment2,179
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 4,313 | 405 | $59,851 |
| Agriculture, forestry, fishing and hunting | 3,576 | 208 | $43,834 |
| Retail trade | 3,379 | 236 | $36,514 |
| Accommodation and food services | 2,783 | 201 | $23,982 |
| Manufacturing | 2,630 | 88 | $55,239 |
| Transportation and warehousing | 2,179 | 94 | $61,574 |
| Construction | 1,494 | 270 | $69,923 |
| Wholesale trade | 1,001 | 94 | $67,100 |
Health care and social assistance is the largest private sector at 4,313 jobs, 13.1 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Umatilla County
How many businesses are in Umatilla County?
- Establishments, all industries1,616
- Employment at those establishments23,246
- Annual payroll$1.19 bn
- Establishments per 1,000 residents20.2
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.
Umatilla County
Building permits in Umatilla County
- Housing units authorized by permit, 2024205
- Declared construction value permitted$55.4 m
- Single family units authorized199
- Multifamily units authorized6
- Multifamily share of units2.9 percent
- Average declared value per unit$270,082
- Units authorized per 1,000 households7.1
Single-family homes are 97.1 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Umatilla County
SBA loans in Umatilla County (7(a) and 504)
- 7(a) approvals recorded77
- 7(a) gross approval dollars$51.1 m
- Average 7(a) approval$663,138
- Median 7(a) approval$51,000
- 10th percentile approval$23,480
- 90th percentile approval$2,417,000
- Largest single approval$4,853,800
- Jobs reported supported, 7(a)469
- Jobs per approval6.1
- Distinct 7(a) lenders active20
- Distinct industries receiving approvals44
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer27.3 percent
- Loans on real estate terms21
- Loans on working capital terms, 120 months or shorter56
- Franchise loans11
- Franchise share of approvals14.3 percent
- Leading industry by approval countGasoline Stations with Convenience Stores (12)
- Most active lenderColumbia Bank (24)
- 504 approvals recorded12
- 504 gross approval dollars$12.2 m
- Average 504 approval$1,015,833
- Median 504 approval$698,000
- Distinct CDCs active5
- 504 jobs per approval6.6
- 504 jobs per million dollars approved6.5
- Most active CDCNorthwest Business Development Association (5)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$63.3 m
The average approval of $663,138 sits well above the median of $51,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 27.3 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.
Umatilla County
SBA loan default and charge-off rates in Umatilla County
Do SBA loans in Umatilla County get paid back?
- Loans with a final outcome recorded15
- Paid in full15
- Charged off0
- Status: Paid in full15
- Status: Exempt from disclosure51
- Status: Cancelled4
- Status: Committed, not yet disbursed7
Only 15 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.
Umatilla County
SBA lending by place in Umatilla County
- Borrower cities with recorded lending10
- Hermiston, approvals29
- Milton-Freewater, approvals16
- Pendleton, approvals16
- Weston, approvals4
- Stanfield, approvals3
- Umatilla, approvals3
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Hermiston | 29 | $13,723,400 |
| Milton-Freewater | 16 | $23,919,800 |
| Pendleton | 16 | $10,802,000 |
| Weston | 4 | $1,105,000 |
| Stanfield | 3 | $761,400 |
| Umatilla | 3 | $560,000 |
| Pilot Rock | 2 | $65,000 |
| Ukiah | 2 | $45,000 |
| 2 other borrower cities | 2 | $80,000 |
Hermiston accounts for 29 approvals against 16 in Milton-Freewater. 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.
Umatilla County
How large is Umatilla County?
- Land area3,216 sq mi
- Rank by land area among Oregon counties8th of 36
- Width, east to west70.5 mi
- Height, north to south69.4 mi
- Geographies sharing a boundary7
- Residents per square mile of land25
- Establishments per square mile0.50
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.
Umatilla County
Flood risk in Umatilla County
- Participation of the county's own NFIP community Umatilla County, unincorporated areasParticipating, community 410204
- Communities in the county in the NFIP Community Status Book14
- Of those, participating in the NFIP14
- 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 10
- Communities carrying a CRS class1
- Radon levels in Umatilla 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 Umatilla County (community 410204), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Umatilla 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. The best Community Rating System class among the county's communities is 10, 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 Umatilla 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 Umatilla County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202479,940
- Households28,707
- Average household size2.78
- Median household income$67,728
- Median age36.9
Common questions
Umatilla County questions, answered from the record.
How many people live in Umatilla County, Oregon?
The Census Bureau estimates 80,491 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 79,940, in 28,707 households, ranking 14th of 36 Oregon counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Umatilla County's population growing?
The population has grown 0.52 percent since the 2020 census base of 80,078, to 80,491 on July 1, 2024. In 2024 there were 729 births against 798 deaths, with net migration of 692. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Umatilla County?
$67,728. The median owner-occupied home is valued at $282,600, which is 4.2 times income, and median gross rent is $997 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Umatilla County?
1,616 establishments, employing 23,246 people with an annual payroll of $1.19 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 Umatilla County?
Health care and social assistance is the largest private sector at 4,313 jobs, 13.1 percent of covered employment. Covered employment averages 33,030 jobs at an average annual pay of $55,594, or $1,069 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Umatilla County?
77 7(a) approvals totaling $51.1 m since FY2020, across 20 lenders, with a median approval of $51,000, plus 12 504 approvals worth $12.2 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Umatilla County?
205 housing units were authorized by permit in 2024, with a declared construction value of $55.4 m. Multifamily was 2.9 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Umatilla 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 Umatilla County come from?
The largest single origin is Walla Walla County, with 175 households. Arriving households report an average income of $50,244 against $51,583 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Umatilla 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 Umatilla 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.
Umatilla County
Cities and places in Umatilla.
22 Census places lie wholly or partly in Umatilla County. All 22 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 |
|---|---|---|---|---|
| Hermiston | city | 19,546 | 29 | Wholly in this county |
| Pendleton | city | 16,950 | 16 | Wholly in this county |
| Umatilla | city | 7,508 | 3 | Wholly in this county |
| Milton-Freewater | city | 7,036 | 16 | Wholly in this county |
| Stanfield | city | 1,902 | 3 | Wholly in this county |
| Athena | city | 1,377 | 1 | Wholly in this county |
| Pilot Rock | city | 1,283 | 2 | Wholly in this county |
| Umapine | CDP | 1,215 | None recorded | Wholly in this county |
| Mission | CDP | 878 | None recorded | Wholly in this county |
| Green Meadows | CDP | 584 | None recorded | Wholly in this county |
| Echo | city | 494 | None recorded | Wholly in this county |
| Helix | city | 471 | None recorded | Wholly in this county |
| Weston | city | 443 | 4 | Wholly in this county |
| Gopher Flats | CDP | 382 | None recorded | Wholly in this county |
| Tutuilla | CDP | 365 | None recorded | Wholly in this county |
| Riverside | CDP | 362 | None recorded | Wholly in this county |
| Adams | city | 292 | 1 | Wholly in this county |
| Kirkpatrick | CDP | 258 | None recorded | Wholly in this county |
| Ukiah | city | 177 | 2 | Wholly in this county |
| McKay | CDP | 74 | None recorded | Wholly in this county |
| Cayuse | CDP | 44 | None recorded | Wholly in this county |
| Meacham | CDP | 32 | None recorded | Wholly in this county |