HomeWashingtonGrays Harbor County
Grays Harbor County, Washington: commercial real estate data.
Grays Harbor County, Washington had an estimated 77,893 residents on July 1, 2024, up 3.0 percent since the 2020 census base of 75,639, across 1,902 square miles. County output reached $3.83 bn in 2024, 1,558 establishments operate here, and the SBA record carries 85 7(a) approvals worth $93.9 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Grays Harbor County
How many people live in Grays Harbor County
- Population, American Community Survey 2020-202477,053
- Households30,628
- Average household size2.52
- Median household income$64,414
- Median age44.7
- Median gross rent$1,062 per month
- Median owner-occupied home value$314,000
- Home value to household income4.9 times
- Annual rent as a share of median income19.8 percent
- Adults 25 and over with a bachelor degree or higher18.1 percent
- Adults 25 and over with a graduate degree6.0 percent
- Adults 25 and over56,642
- Population under 1815,217
- Share under 1819.7 percent
- Population 65 and over17,980
- Share 65 and over23.3 percent
- Working age population, 18 to 6443,856
- Civilian labor force32,098
- Unemployment rate7.0 percent
- Labor force participation, adults 18 and over51.9 percent
- Rank by population among Washington counties19th of 39
- Rank by population among US county-equivalents, Puerto Rico included744th of 3,222
Grays Harbor County is the 19th largest of 39 Washington counties by population. A median home costs 4.9 times median household income, which is seriously unaffordable by national standards. Residents 65 and over outnumber those under 18, at 23.3 percent against 19.7 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.
Grays Harbor County
Is Grays Harbor County's population growing?
- Population, July 1, 202477,893
- Census 2020 base population75,639
- Population change since the 2020 census base2.98 percent
- Population change, 2023 to 2024323
- Births, 2024686
- Deaths, 20241,099
- Natural change, 2024-413
- Net domestic migration, 2024496
- Net international migration, 2024241
- Total net migration, 2024737
- Cumulative net domestic migration, 2021 to 20243,223
- Rank by growth among US county-equivalents877th of 3,144
The county has grown 2.98 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.
Grays Harbor County
Where are people moving to Grays Harbor County from?
- Tax returns filed by households arriving2,241
- People arriving, from those returns3,830
- Tax returns filed by households leaving1,832
- Net household movement409
- Adjusted gross income arriving$146.6 m
- Net adjusted gross income movement$40.7 m
- Average income of an arriving household$65,413
- Average income of a leaving household$57,825
- Largest single originThurston County (372 households)
- Largest single destinationThurston County (303 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Thurston County | 372 | 655 | $22.7 m |
| King County | 286 | 496 | $26.5 m |
| Pierce County | 248 | 462 | $16.4 m |
| Snohomish County | 130 | 206 | $8.5 m |
| Mason County | 98 | 191 | $5.4 m |
| Lewis County | 73 | 131 | $4.2 m |
| Pacific County | 57 | 102 | $2.3 m |
| Kitsap County | 46 | 76 | $2.6 m |
Households arriving report $7,588 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 Thurston 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.
Grays Harbor County
What is the Grays Harbor County economy?
- County GDP, 2024$3.83 bn
- County GDP, 2023$3.66 bn
- GDP change, 2023 to 20244.7 percent
- GDP change over five years44.9 percent
- Rank by GDP among the Washington areas BEA publishes19th of 39
- Rank by GDP among the US county areas BEA publishes834th of 3,127
- GDP per resident$49,698
Output grew 4.7 percent in the latest year and 44.9 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.
Grays Harbor County
Employment by industry in Grays Harbor County
- Covered employment, annual average23,816
- Establishments reporting1,854
- Average annual pay$56,803
- Average weekly wage$1,092
- Health care and social assistance, employment3,191
- Health care and social assistance, average annual pay$50,002
- Accommodation and food services, employment2,640
- Accommodation and food services, average annual pay$29,199
- Manufacturing, employment2,586
- Manufacturing, average annual pay$64,885
- Retail trade, employment2,579
- Retail trade, average annual pay$38,803
- Construction, employment1,388
- Administrative and support and waste management services, employment807
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 3,191 | 176 | $50,002 |
| Accommodation and food services | 2,640 | 239 | $29,199 |
| Manufacturing | 2,586 | 92 | $64,885 |
| Retail trade | 2,579 | 220 | $38,803 |
| Construction | 1,388 | 229 | $75,823 |
| Administrative and support and waste management services | 807 | 72 | $46,803 |
| Other services, except public administration | 629 | 122 | $34,142 |
| Wholesale trade | 512 | 58 | $63,781 |
Health care and social assistance is the largest private sector at 3,191 jobs, 13.4 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Grays Harbor County
How many businesses are in Grays Harbor County?
- Establishments, all industries1,558
- Employment at those establishments15,927
- Annual payroll$802.6 m
- 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.
Grays Harbor County
Building permits in Grays Harbor County
- Housing units authorized by permit, 2024288
- Declared construction value permitted$83.6 m
- Single family units authorized251
- Multifamily units authorized37
- Multifamily share of units12.8 percent
- Average declared value per unit$290,361
- Units authorized per 1,000 households9.4
Single-family homes are 87.2 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Grays Harbor County
SBA loans in Grays Harbor County (7(a) and 504)
- 7(a) approvals recorded85
- 7(a) gross approval dollars$93.9 m
- Average 7(a) approval$1,104,229
- Median 7(a) approval$588,000
- 10th percentile approval$50,000
- 90th percentile approval$3,134,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)639
- Jobs per approval7.5
- Distinct 7(a) lenders active34
- Distinct industries receiving approvals31
- Median 7(a) term300 months
- Share of loans on real estate terms, 240 months or longer62.4 percent
- Loans on real estate terms53
- Loans on working capital terms, 120 months or shorter29
- Franchise loans15
- Franchise share of approvals17.6 percent
- Leading industry by approval countHotels (except Casino Hotels) and Motels (19)
- Most active lenderOpen Bank (11)
- 504 approvals recorded11
- 504 gross approval dollars$6.2 m
- Average 504 approval$561,818
- Median 504 approval$447,000
- Distinct CDCs active3
- 504 jobs per approval9.1
- 504 jobs per million dollars approved16.2
- Most active CDCNorthwest Business Development Association (5)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$100.0 m
The average approval of $1,104,229 sits well above the median of $588,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. 62.4 percent of approvals run on real estate terms of 240 months or more, so this is a market where SBA credit is buying buildings, not just funding operations.
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.
Grays Harbor County
SBA loan default and charge-off rates in Grays Harbor County
Do SBA loans in Grays Harbor County get paid back?
- Loans with a final outcome recorded19
- Paid in full18
- Charged off1
- Status: Paid in full18
- Status: Exempt from disclosure52
- Status: Charged off1
- Status: Cancelled9
- Status: Committed, not yet disbursed5
Only 19 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.
Grays Harbor County
SBA lending by place in Grays Harbor County
- Borrower cities with recorded lending14
- Aberdeen, approvals18
- Hoquiam, approvals13
- Ocean Shores, approvals12
- Montesano, approvals12
- Westport, approvals10
- Elma, approvals8
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Aberdeen | 18 | $16,866,200 |
| Hoquiam | 13 | $9,693,000 |
| Ocean Shores | 12 | $26,073,900 |
| Montesano | 12 | $4,402,000 |
| Westport | 10 | $10,871,500 |
| Elma | 8 | $9,529,400 |
| McCleary | 4 | $9,358,500 |
| Humptulips | 2 | $430,000 |
| 6 other borrower cities | 6 | $6,635,000 |
Aberdeen accounts for 18 approvals against 13 in Hoquiam. 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.
Grays Harbor County
How large is Grays Harbor County?
- Land area1,902 sq mi
- Rank by land area among Washington counties15th of 39
- Width, east to west56.3 mi
- Height, north to south51.2 mi
- Geographies sharing a boundary5
- Residents per square mile of land41
- Establishments per square mile0.82
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.
Grays Harbor County
Flood risk in Grays Harbor County
- Participation of the county's own NFIP community Grays Harbor County, unincorporated areasParticipating, community 530057
- Communities in the county in the NFIP Community Status Book12
- Of those, participating in the NFIP12
- 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 Grays Harbor 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 Grays Harbor County (community 530057), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Grays Harbor 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 Grays Harbor 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 Grays Harbor County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202477,053
- Households30,628
- Average household size2.52
- Median household income$64,414
- Median age44.7
Common questions
Grays Harbor County questions, answered from the record.
How many people live in Grays Harbor County, Washington?
The Census Bureau estimates 77,893 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 77,053, in 30,628 households, ranking 19th of 39 Washington counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Grays Harbor County's population growing?
The population has grown 2.98 percent since the 2020 census base of 75,639, to 77,893 on July 1, 2024. In 2024 there were 686 births against 1,099 deaths, with net migration of 737. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Grays Harbor County?
$64,414. The median owner-occupied home is valued at $314,000, which is 4.9 times income, and median gross rent is $1,062 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Grays Harbor County?
1,558 establishments, employing 15,927 people with an annual payroll of $802.6 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 Grays Harbor County?
Health care and social assistance is the largest private sector at 3,191 jobs, 13.4 percent of covered employment. Covered employment averages 23,816 jobs at an average annual pay of $56,803, or $1,092 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Grays Harbor County?
85 7(a) approvals totaling $93.9 m since FY2020, across 34 lenders, with a median approval of $588,000, plus 11 504 approvals worth $6.2 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Grays Harbor County?
288 housing units were authorized by permit in 2024, with a declared construction value of $83.6 m. Multifamily was 12.8 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Grays Harbor 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 Grays Harbor County come from?
The largest single origin is Thurston County, with 372 households. Arriving households report an average income of $65,413 against $57,825 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Grays Harbor 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 Grays Harbor 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.
Grays Harbor County
Cities and places in Grays Harbor.
32 Census places lie wholly or partly in Grays Harbor County. All 32 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 |
|---|---|---|---|---|
| Aberdeen | city | 17,088 | 18 | Wholly in this county |
| Hoquiam | city | 8,800 | 13 | Wholly in this county |
| Ocean Shores | city | 7,302 | 12 | Wholly in this county |
| Montesano | city | 4,183 | 12 | Wholly in this county |
| Elma | city | 3,483 | 8 | Wholly in this county |
| Central Park | CDP | 3,206 | None recorded | Wholly in this county |
| Westport | city | 2,217 | 10 | Wholly in this county |
| Cosmopolis | city | 2,202 | None recorded | Wholly in this county |
| McCleary | city | 2,094 | 4 | Wholly in this county |
| Oakville | city | 878 | 1 | Wholly in this county |
| Taholah | CDP | 833 | None recorded | Wholly in this county |
| Brady | CDP | 832 | None recorded | Wholly in this county |
| Satsop | CDP | 780 | None recorded | Wholly in this county |
| Grayland | CDP | 708 | 1 | Wholly in this county |
| Copalis Beach | CDP | 671 | 1 | Wholly in this county |
| Malone | CDP | 518 | None recorded | Wholly in this county |
| Cohassett Beach | CDP | 455 | None recorded | Wholly in this county |
| Aberdeen Gardens | CDP | 309 | None recorded | Wholly in this county |
| Neilton | CDP | 299 | None recorded | Wholly in this county |
| Ocosta | CDP | 235 | None recorded | Wholly in this county |
| Ocean City | CDP | 187 | 1 | Wholly in this county |
| Markham | CDP | 166 | None recorded | Wholly in this county |
| Porter | CDP | 155 | None recorded | Wholly in this county |
| Humptulips | CDP | 140 | 2 | Wholly in this county |
| Qui-nai-elt Village | CDP | 134 | None recorded | Wholly in this county |
| Oyehut | CDP | 111 | None recorded | Wholly in this county |
| Santiago | CDP | 96 | None recorded | Wholly in this county |
| Amanda Park | CDP | 86 | 1 | Wholly in this county |
| Moclips | CDP | 82 | None recorded | Wholly in this county |
| Queets | CDP | 55 | None recorded | 58.1 percent here, 41.9 percent Jefferson County |
| Hogans Corner | CDP | 8 | None recorded | Wholly in this county |
| Pacific Beach | CDP | 0 | 1 | Wholly in this county |
Nearby