Garfield County, Utah: commercial real estate data.
Garfield County, Utah had an estimated 5,290 residents on July 1, 2024, up 4.1 percent since the 2020 census base of 5,081, across 5,175 square miles. County output reached $417.2 m in 2024, 203 establishments operate here, and the SBA record carries 19 7(a) approvals worth $10.2 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Garfield County
How many people live in Garfield County
- Population, American Community Survey 2020-20245,219
- Households2,042
- Average household size2.56
- Median household income$61,875
- Median age40.7
- Median gross rent$817 per month
- Median owner-occupied home value$318,100
- Home value to household income5.1 times
- Annual rent as a share of median income15.8 percent
- Adults 25 and over with a bachelor degree or higher28.3 percent
- Adults 25 and over with a graduate degree7.8 percent
- Adults 25 and over3,813
- Population under 181,123
- Share under 1821.5 percent
- Population 65 and over1,170
- Share 65 and over22.4 percent
- Working age population, 18 to 642,926
- Civilian labor force2,543
- Unemployment rate4.1 percent
- Labor force participation, adults 18 and over62.1 percent
- Rank by population among Utah counties25th of 29
- Rank by population among US county-equivalents, Puerto Rico included2877th of 3,222
Garfield County is the 25th largest of 29 Utah counties by population. A median home costs 5.1 times median household income, which is severely unaffordable by national standards. Residents 65 and over outnumber those under 18, at 22.4 percent against 21.5 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.
Garfield County
Is Garfield County's population growing?
- Population, July 1, 20245,290
- Census 2020 base population5,081
- Population change since the 2020 census base4.11 percent
- Population change, 2023 to 2024-30
- Births, 202448
- Deaths, 202463
- Natural change, 2024-15
- Net domestic migration, 2024-19
- Net international migration, 20245
- Total net migration, 2024-14
- Cumulative net domestic migration, 2021 to 2024215
- Rank by growth among US county-equivalents670th of 3,144
The county has grown 4.11 percent since the 2020 census base. The population fell in 2024 from both sources: deaths exceeded births and more people left than moved in.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Garfield County
Where are people moving to Garfield County from?
- Tax returns filed by households arriving174
- People arriving, from those returns362
- Tax returns filed by households leaving160
- Net household movement14
- Adjusted gross income arriving$12.5 m
- Net adjusted gross income movement$5.9 m
- Average income of an arriving household$72,000
- Average income of a leaving household$41,506
- Largest single destinationIron County (27 households)
| Origin | Households | People | Adjusted gross income |
|---|
Households arriving report $30,494 more average income than households leaving, so the migration is raising local spending power rather than just moving it around.
US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Garfield County
What is the Garfield County economy?
- County GDP, 2024$417.2 m
- County GDP, 2023$385.5 m
- GDP change, 2023 to 20248.2 percent
- GDP change over five years53.8 percent
- Rank by GDP among the Utah areas BEA publishes25th of 29
- Rank by GDP among the US county areas BEA publishes2522nd of 3,127
- GDP per resident$79,937
Output grew 8.2 percent in the latest year and 53.8 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.
Garfield County
Employment by industry in Garfield County
- Covered employment, annual average2,517
- Establishments reporting292
- Average annual pay$41,748
- Average weekly wage$803
- Accommodation and food services, employment1,086
- Accommodation and food services, average annual pay$32,677
- Retail trade, employment212
- Retail trade, average annual pay$24,579
- Construction, employment79
- Construction, average annual pay$58,683
- Wholesale trade, employment41
- Wholesale trade, average annual pay$33,225
- Transportation and warehousing, employment37
- Professional, scientific and technical services, employment32
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Accommodation and food services | 1,086 | 78 | $32,677 |
| Retail trade | 212 | 26 | $24,579 |
| Construction | 79 | 23 | $58,683 |
| Wholesale trade | 41 | 8 | $33,225 |
| Transportation and warehousing | 37 | 8 | $45,607 |
| Professional, scientific and technical services | 32 | 10 | $54,847 |
| Manufacturing | 30 | 5 | $51,560 |
| Utilities | 28 | 6 | $83,612 |
Accommodation and food services is the largest private sector at 1,086 jobs, 43.1 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Garfield County
How many businesses are in Garfield County?
- Establishments, all industries203
- Employment at those establishments1,628
- Annual payroll$68.1 m
- Establishments per 1,000 residents38.9
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.
Garfield County
Building permits in Garfield County
- Housing units authorized by permit, 202457
- Declared construction value permitted$17.2 m
- Single family units authorized57
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$302,053
- Units authorized per 1,000 households27.9
Single-family homes are 100.0 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Garfield County
SBA loans in Garfield County (7(a) and 504)
- 7(a) approvals recorded19
- 7(a) gross approval dollars$10.2 m
- Average 7(a) approval$535,205
- Median 7(a) approval$225,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)138
- Jobs per approval7.3
- Distinct 7(a) lenders active9
- Distinct industries receiving approvals12
- Median 7(a) term240 months
- Share of loans on real estate terms, 240 months or longer52.6 percent
- Loans on real estate terms10
- Loans on working capital terms, 120 months or shorter8
- Franchise loans1
- Franchise share of approvals5.3 percent
- Leading industry by approval countRV (Recreational Vehicle) Parks and Campgrounds (4)
- Most active lenderState Bank of Southern Utah (8)
- 504 approvals recorded17
- 504 gross approval dollars$8.5 m
- Average 504 approval$501,529
- Median 504 approval$412,000
- Distinct CDCs active4
- 504 jobs per approval7.5
- 504 jobs per million dollars approved14.9
- Most active CDCMountain West Small Business Finance (11)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$18.7 m
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.
Garfield County
SBA loan default and charge-off rates in Garfield County
Do SBA loans in Garfield County get paid back?
- Loans with a final outcome recorded6
- Paid in full6
- Charged off0
- Status: Exempt from disclosure11
- Status: Paid in full6
- Status: Cancelled2
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.
Garfield County
SBA lending by place in Garfield County
- Borrower cities with recorded lending9
- Escalante, approvals4
- Bryce, approvals3
- Panguitch, approvals3
- Tropic, approvals3
- Henrieville, approvals2
- Spanish Fork, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Escalante | 4 | $2,111,500 |
| Bryce | 3 | $5,284,500 |
| Panguitch | 3 | $850,000 |
| Tropic | 3 | $544,600 |
| Henrieville | 2 | $115,500 |
| Spanish Fork | 1 | $441,000 |
| Antimony | 1 | $396,800 |
| Hatch | 1 | $225,000 |
| 1 other borrower city | 1 | $200,000 |
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Garfield County
How large is Garfield County?
- Land area5,175 sq mi
- Rank by land area among Utah counties5th of 29
- Width, east to west150.8 mi
- Height, north to south42.6 mi
- Geographies sharing a boundary6
- Residents per square mile of land1
- Establishments per square mile0.04
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.
Garfield County
Flood risk in Garfield County
- Participation of the county's own NFIP community Garfield County, unincorporated areasParticipating, community 490065
- Communities in the county in the NFIP Community Status Book7
- Of those, participating in the NFIP6
- NFIP participation rate85.7 percent
- Communities carrying a CRS class0
- Radon levels in Garfield 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 Garfield County (community 490065), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Garfield 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. 85.7 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 Garfield 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 Garfield County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-20245,219
- Households2,042
- Average household size2.56
- Median household income$61,875
- Median age40.7
Common questions
Garfield County questions, answered from the record.
How many people live in Garfield County, Utah?
The Census Bureau estimates 5,290 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 5,219, in 2,042 households, ranking 25th of 29 Utah counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Garfield County's population growing?
The population has grown 4.11 percent since the 2020 census base of 5,081, to 5,290 on July 1, 2024. In 2024 there were 48 births against 63 deaths, with net migration of -14. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Garfield County?
$61,875. The median owner-occupied home is valued at $318,100, which is 5.1 times income, and median gross rent is $817 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Garfield County?
203 establishments, employing 1,628 people with an annual payroll of $68.1 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 Garfield County?
Accommodation and food services is the largest private sector at 1,086 jobs, 43.1 percent of covered employment. Covered employment averages 2,517 jobs at an average annual pay of $41,748, or $803 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Garfield County?
19 7(a) approvals totaling $10.2 m since FY2020, across 9 lenders, with a median approval of $225,000, plus 17 504 approvals worth $8.5 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Garfield County?
57 housing units were authorized by permit in 2024, with a declared construction value of $17.2 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Garfield 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.
Are traffic counts available for Garfield 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 Garfield 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.
Garfield County
Cities and places in Garfield.
9 Census places lie wholly or partly in Garfield County. All 9 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 |
|---|---|---|---|---|
| Panguitch | city | 1,701 | 3 | Wholly in this county |
| Escalante | city | 604 | 4 | Wholly in this county |
| Tropic | town | 582 | 3 | Wholly in this county |
| Henrieville | town | 391 | 2 | Wholly in this county |
| Boulder | town | 360 | None recorded | Wholly in this county |
| Cannonville | town | 228 | None recorded | Wholly in this county |
| Bryce Canyon City | town | 203 | None recorded | Wholly in this county |
| Hatch | town | 165 | 1 | Wholly in this county |
| Antimony | town | 65 | 1 | Wholly in this county |
A further 5 of the county's 19 SBA 7(a) approvals are to borrowers in cities that match no Census place in Garfield County, the largest being Bryce (3), Spanish Fork (1), Panguitch Lake (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