HomeWashingtonGrays Harbor CountyElma city
Elma city, Washington: commercial real estate data.
Elma city is a Census city of 3,483 people across 2.76 square miles of land, in Grays Harbor County. Median household income is $78,086, 66.7 percent of occupied homes are owned, and the SBA record carries 8 7(a) approvals to borrowers here worth $9.5 m.
76 sourced place values · tier FULL · 8 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Elma
What Elma is
- Census place typecity
- Land area2.76 sq mi
- Water area0.02 sq mi
- Population per square mile of land1,260
- County holding the largest share of its areaGrays Harbor County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Elma
How many people live in Elma
- Population3,483
- Median age42.6
- Population under 18730 plus or minus 224
- Share under 1821.0 percent plus or minus 6.4
- Population 65 and over568 plus or minus 200
- Share 65 and over16.3 percent plus or minus 5.7
- Households1,245
- Family households789
- Share of households that are families63.4 percent plus or minus 14.0
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Elma
Income and work in Elma
- Median household income$78,086 plus or minus $20,609
- Per capita income$34,165 plus or minus $7,863
- Civilian labor force1,607 plus or minus 365
- Employed1,550 plus or minus 389
- Unemployed57 plus or minus 65
- Unemployment rate3.5 percent plus or minus 4.0
- Adults 25 and over2,469
- Adults 25 and over with a high school diploma or higher79.8 percent
- Adults 25 and over with a bachelor degree or higher21.3 percent plus or minus 9.1
- Adults 25 and over with a graduate degree4.1 percent plus or minus 3.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Elma
Housing in Elma
- Housing units1,371
- Occupied units1,245
- Vacant units126 plus or minus 81
- Vacancy rate9.2 percent plus or minus 5.7
- Owner occupied830 plus or minus 228
- Renter occupied415 plus or minus 116
- Ownership rate66.7 percent plus or minus 14.6
- Median owner-occupied home value$409,600
- Median gross rent, monthly$984
- Annual rent as a share of median income15.1 percent plus or minus 4.1
- Single family units1,044 plus or minus 242
- Share single family76.1 percent
- Units in buildings of two or more220 plus or minus 107
- Share in buildings of two or more16.0 percent plus or minus 7.3
- Mobile homes97 plus or minus 63
- Median year structure built1969
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Elma
How Elma gets to work
- Workers 16 and over who commute1,402 plus or minus 310
- Commuting under 15 minutes389 plus or minus 191
- Share commuting under 15 minutes27.7 percent plus or minus 12.2
- Commuting 30 minutes or more749 plus or minus 292
- Share commuting 30 minutes or more53.4 percent plus or minus 17.2
- Drove alone70.0 percent plus or minus 25.0
- Carpooled13.5 percent plus or minus 15.6
- Public transport1.3 percent plus or minus 2.9
- Walked6.4 percent plus or minus 8.1
- Worked from home7.6 percent plus or minus 8.5
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Elma
SBA loans in Elma (7(a))
- Approvals8
- Gross approval$9,529,400
- Average approval$1,191,175
- Median approval$493,200
- Ninetieth percentile approval$3,974,000
- Largest approval$3,974,000
- Jobs supported144
- Jobs per approval18.0
- Loans with a final outcome2
- Paid in full2
- Charged off0
- Median term300 months
- Share on real estate terms of 20 years or more75.0 percent
- Share to franchises37.5 percent
- Distinct lenders5
- Distinct industries by NAICS6
A charge-off rate is not published here. only 2 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Elma
SBA loans in Elma (504)
- Approvals2
- Gross approval$2,260,000
- Average approval$1,130,000
- Median approval$1,813,000
- Largest approval$1,813,000
- Jobs supported22
- Loans with a final outcome1
- Charged off0
- Median term240 months
- Distinct CDCs1
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Grays Harbor County, not Elma
Grays Harbor County context, not Elma figures
These are Grays Harbor County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Elma measurements.
- Establishments in Grays Harbor County1,558
- Employment at those establishments, Grays Harbor County15,927
- Covered employment, Grays Harbor County23,816
- Average annual pay, Grays Harbor County$56,803
- Average weekly wage, Grays Harbor County$1,092
- Housing units permitted, Grays Harbor County288
- Of those, single family, Grays Harbor County251
- County product, 2024, Grays Harbor County$3,829,348,000
- County product change over the prior year, Grays Harbor County4.7 percent
- Average income of an arriving household, Grays Harbor County$65,413
Every figure in this section is published for Grays Harbor County as a whole and is not a measurement of Elma. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- This place is not listed as a community in the FEMA Community Status Book, so no NFIP participation or CRS class is shown.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
Elma questions, answered from the record.
How many people live in Elma, Washington?
3,483, in 1,245 households. Elma city covers 2.76 square miles of land, which is 1,260 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Elma in?
Grays Harbor County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Elma?
$78,086. The median owner-occupied home is valued at $409,600. Median gross rent is $984 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Elma businesses?
8 7(a) approvals totalling $9.5 m, across 5 lenders, median approval $493,200, plus 2 504 approvals worth $2.3 m. These count approvals to borrowers whose address is in Elma, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Elma borrowers get paid back?
No rate is published for Elma. only 2 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Are the county figures on this page Elma figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Grays Harbor County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Elma.
Is zoning published for Elma?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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