HomeWashingtonGrays Harbor CountyElma
Elma, Washington: commercial real estate data.
Elma 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 since FY2020.
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$446,600
- 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
Counted by borrower city: approvals to borrowers whose address is in Elma, in any county, FY2020 to FY2026. Only 2 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
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$1,130,000
- Largest approval$1,813,000
- Jobs supported22
- Loans with a final outcome1
- Charged off0
- Median term240 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Elma, in any county, FY2010 to FY2026. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Elma
Flood risk in Elma
- NFIP communityCity of Elma
- NFIP community number530060
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date09/18/20
The City of Elma participates in the National Flood Insurance Program as community 530060 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Grays Harbor County, not Elma
Grays Harbor County context, not Elma figures
- Establishments in Grays Harbor County1,558
- Covered employment, Grays Harbor County23,816
- Average annual pay, Grays Harbor County$56,803
- Housing units permitted, Grays Harbor County288
Every figure in this section is published for Grays Harbor County as a whole and is not a measurement of Elma.
All Grays Harbor County figures →
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.
Coverage
What this page does not hold.
Parcel detail, 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 →
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 totaling $9.5 m since FY2020, across 5 lenders, median approval $446,600, plus 2 504 approvals worth $2.3 m since FY2010. 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 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Elma in the National Flood Insurance Program?
Yes. Elma appears in the FEMA Community Status Book as Elma, city of, community 530060, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Elma figures?
No, and they are labeled 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?
No. Nothing on this page presents parcel level zoning.
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