Cache County, Utah: commercial real estate data.
Cache County, Utah had an estimated 145,487 residents on July 1, 2024, up 9.3 percent since the 2020 census base of 133,152, across 1,165 square miles. County output reached $9.09 bn in 2024, 4,140 establishments operate here, and the SBA record carries 249 7(a) approvals worth $102.8 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Cache County
How many people live in Cache County
- Population, American Community Survey 2020-2024140,046
- Households44,439
- Average household size3.15
- Median household income$81,665
- Median age26.2
- Median gross rent$1,213 per month
- Median owner-occupied home value$444,400
- Home value to household income5.4 times
- Annual rent as a share of median income17.8 percent
- Adults 25 and over with a bachelor degree or higher42.2 percent
- Adults 25 and over with a graduate degree15.3 percent
- Adults 25 and over72,944
- Population under 1840,870
- Share under 1829.2 percent
- Population 65 and over13,997
- Share 65 and over10.0 percent
- Working age population, 18 to 6485,179
- Civilian labor force73,385
- Unemployment rate2.6 percent
- Labor force participation, adults 18 and over74.0 percent
- Rank by population among Utah counties6th of 29
- Rank by population among US county-equivalents, Puerto Rico included477th of 3,222
Cache County is the 6th largest of 29 Utah counties by population. A median home costs 5.4 times median household income, which is severely unaffordable by national standards. Residents under 18 outnumber those 65 and over, at 29.2 percent against 10.0 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Cache County
Is Cache County's population growing?
- Population, July 1, 2024145,487
- Census 2020 base population133,152
- Population change since the 2020 census base9.26 percent
- Population change, 2023 to 20242,294
- Births, 20242,152
- Deaths, 2024789
- Natural change, 20241,363
- Net domestic migration, 2024-185
- Net international migration, 20241,109
- Total net migration, 2024924
- Cumulative net domestic migration, 2021 to 20243,907
- Rank by growth among US county-equivalents174th of 3,144
The county has grown 9.26 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.
Cache County
Where are people moving to Cache County from?
- Tax returns filed by households arriving3,677
- People arriving, from those returns7,198
- Tax returns filed by households leaving3,839
- Net household movement-162
- Adjusted gross income arriving$224.5 m
- Net adjusted gross income movement$25.7 m
- Average income of an arriving household$61,052
- Average income of a leaving household$51,781
- Largest single originSalt Lake County (465 households)
- Largest single destinationSalt Lake County (528 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Salt Lake County | 465 | 863 | $24.3 m |
| Utah County | 354 | 746 | $18.9 m |
| Davis County | 262 | 568 | $16.4 m |
| Weber County | 209 | 395 | $13.7 m |
| Box Elder County | 175 | 333 | $8.0 m |
| Franklin County | 96 | 189 | $4.8 m |
| Washington County | 90 | 151 | $4.5 m |
| Clark County | 64 | 119 | $3.5 m |
Households arriving report $9,271 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 Salt Lake 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.
Cache County
What is the Cache County economy?
- County GDP, 2024$9.09 bn
- County GDP, 2023$8.53 bn
- GDP change, 2023 to 20246.5 percent
- GDP change over five years42.9 percent
- Rank by GDP among the Utah areas BEA publishes6th of 29
- Rank by GDP among the US county areas BEA publishes480th of 3,127
- GDP per resident$64,895
Output grew 6.5 percent in the latest year and 42.9 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.
Cache County
Employment by industry in Cache County
- Covered employment, annual average63,167
- Establishments reporting4,556
- Average annual pay$52,281
- Average weekly wage$1,005
- Manufacturing, employment12,029
- Manufacturing, average annual pay$63,958
- Retail trade, employment7,445
- Retail trade, average annual pay$35,715
- Health care and social assistance, employment7,260
- Health care and social assistance, average annual pay$46,700
- Professional, scientific and technical services, employment5,781
- Professional, scientific and technical services, average annual pay$80,303
- Accommodation and food services, employment4,482
- Construction, employment3,584
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 12,029 | 258 | $63,958 |
| Retail trade | 7,445 | 432 | $35,715 |
| Health care and social assistance | 7,260 | 580 | $46,700 |
| Professional, scientific and technical services | 5,781 | 680 | $80,303 |
| Accommodation and food services | 4,482 | 214 | $19,442 |
| Construction | 3,584 | 676 | $55,481 |
| Administrative and support and waste management services | 1,941 | 212 | $35,771 |
| Wholesale trade | 1,514 | 165 | $66,700 |
Manufacturing is the largest private sector at 12,029 jobs, 19.0 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Cache County
How many businesses are in Cache County?
- Establishments, all industries4,140
- Employment at those establishments56,328
- Annual payroll$2.84 bn
- Establishments per 1,000 residents29.6
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.
Cache County
Building permits in Cache County
- Housing units authorized by permit, 20241,021
- Declared construction value permitted$344.2 m
- Single family units authorized871
- Multifamily units authorized150
- Multifamily share of units14.7 percent
- Average declared value per unit$337,076
- Units authorized per 1,000 households23.0
Single-family homes are 85.3 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Cache County
SBA loans in Cache County (7(a) and 504)
- 7(a) approvals recorded249
- 7(a) gross approval dollars$102.8 m
- Average 7(a) approval$412,768
- Median 7(a) approval$150,000
- 10th percentile approval$42,000
- 90th percentile approval$995,620
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)3,030
- Jobs per approval12.2
- Distinct 7(a) lenders active44
- Distinct industries receiving approvals128
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer8.8 percent
- Loans on real estate terms22
- Loans on working capital terms, 120 months or shorter214
- Franchise loans23
- Franchise share of approvals9.2 percent
- Most active lenderCache Valley Bank (100)
- 504 approvals recorded268
- 504 gross approval dollars$213.9 m
- Average 504 approval$798,142
- Median 504 approval$453,000
- Distinct CDCs active5
- 504 jobs per approval12.6
- 504 jobs per million dollars approved15.8
- Most active CDCMountain West Small Business Finance (229)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$316.7 m
The average approval of $412,768 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 8.8 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.
Cache County
SBA loan default and charge-off rates in Cache County
Do SBA loans in Cache County get paid back?
- Loans with a final outcome recorded49
- Paid in full42
- Charged off7
- Charge-off rate on resolved loans14.3 percent
- Status: Exempt from disclosure162
- Status: Charged off7
- Status: Paid in full42
- Status: Cancelled25
- Status: Committed, not yet disbursed13
Of the 49 loans that have reached a final outcome, 14.3 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.
Cache County
SBA lending by place in Cache County
- Borrower cities with recorded lending16
- Logan, approvals123
- Smithfield, approvals23
- Providence, approvals22
- North Logan, approvals15
- Hyrum, approvals15
- Hyde Park, approvals12
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Logan | 123 | $43,654,100 |
| Smithfield | 23 | $7,587,400 |
| Providence | 22 | $14,932,400 |
| North Logan | 15 | $6,565,200 |
| Hyrum | 15 | $6,307,000 |
| Hyde Park | 12 | $6,610,000 |
| Wellsville | 9 | $6,079,300 |
| Nibley | 6 | $1,845,800 |
| 8 other borrower cities | 24 | $9,198,100 |
Logan accounts for 123 approvals against 23 in Smithfield. 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.
Cache County
How large is Cache County?
- Land area1,165 sq mi
- Rank by land area among Utah counties22nd of 29
- Width, east to west38.1 mi
- Height, north to south43.1 mi
- Geographies sharing a boundary5
- Residents per square mile of land120
- Establishments per square mile3.55
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.
Cache County
Flood risk in Cache County
- Participation of the county's own NFIP community Cache County, unincorporated areasParticipating, community 490012
- Communities in the county in the NFIP Community Status Book20
- Of those, participating in the NFIP17
- NFIP participation rate85.0 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 7
- Communities carrying a CRS class1
- Radon levels in Cache 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 Cache County (community 490012), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Cache 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 7, which carries a flood insurance premium discount for policies written in that community. 85.0 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 Cache 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 Cache County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-2024140,046
- Households44,439
- Average household size3.15
- Median household income$81,665
- Median age26.2
Common questions
Cache County questions, answered from the record.
How many people live in Cache County, Utah?
The Census Bureau estimates 145,487 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 140,046, in 44,439 households, ranking 6th of 29 Utah counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Cache County's population growing?
The population has grown 9.26 percent since the 2020 census base of 133,152, to 145,487 on July 1, 2024. In 2024 there were 2,152 births against 789 deaths, with net migration of 924. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Cache County?
$81,665. The median owner-occupied home is valued at $444,400, which is 5.4 times income, and median gross rent is $1,213 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Cache County?
4,140 establishments, employing 56,328 people with an annual payroll of $2.84 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 Cache County?
Manufacturing is the largest private sector at 12,029 jobs, 19.0 percent of covered employment. Covered employment averages 63,167 jobs at an average annual pay of $52,281, or $1,005 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Cache County?
249 7(a) approvals totaling $102.8 m since FY2020, across 44 lenders, with a median approval of $150,000, plus 268 504 approvals worth $213.9 m since FY2010. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Cache County get paid back?
Of the 49 loans that have reached a final outcome, 42 were paid in full and 7 charged off, a charge-off rate of 14.3 percent. Loans still running are excluded, because they have not yet succeeded or failed.
How many building permits were issued in Cache County?
1,021 housing units were authorized by permit in 2024, with a declared construction value of $344.2 m. Multifamily was 14.7 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Cache 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 Cache County come from?
The largest single origin is Salt Lake County, with 465 households. Arriving households report an average income of $61,052 against $51,781 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Cache 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 Cache 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.
Cache County
Cities and places in Cache.
24 Census places lie wholly or partly in Cache County. All 24 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 |
|---|---|---|---|---|
| Logan | city | 54,907 | 123 | Wholly in this county |
| Smithfield | city | 14,408 | 23 | Wholly in this county |
| North Logan | city | 11,460 | 15 | Wholly in this county |
| Hyrum | city | 10,401 | 15 | Wholly in this county |
| Providence | city | 8,947 | 22 | Wholly in this county |
| Nibley | city | 7,952 | 6 | Wholly in this county |
| Hyde Park | city | 5,540 | 12 | Wholly in this county |
| Wellsville | city | 4,157 | 9 | Wholly in this county |
| Richmond | city | 3,000 | 6 | Wholly in this county |
| Lewiston | city | 2,408 | 5 | Wholly in this county |
| River Heights | city | 2,282 | 2 | Wholly in this county |
| Millville | city | 1,800 | 4 | Wholly in this county |
| Benson | CDP | 1,776 | None recorded | Wholly in this county |
| Mendon | city | 1,482 | 4 | Wholly in this county |
| Newton | town | 756 | None recorded | Wholly in this county |
| Paradise | town | 679 | None recorded | Wholly in this county |
| Clarkston | town | 623 | 1 | Wholly in this county |
| Trenton | town | 526 | None recorded | Wholly in this county |
| Cove | CDP | 521 | None recorded | Wholly in this county |
| Amalga | town | 511 | None recorded | Wholly in this county |
| Peter | CDP | 491 | None recorded | Wholly in this county |
| Avon | CDP | 483 | None recorded | Wholly in this county |
| Cornish | town | 236 | None recorded | Wholly in this county |
| Cache | CDP | 6 | None recorded | Wholly in this county |
A further 2 of the county's 249 SBA 7(a) approvals are to borrowers in cities that match no Census place in Cache County, the largest being Tremonton (1), Collinston (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