HomeWashingtonOkanogan County
Okanogan County, Washington: commercial real estate data.
Okanogan County, Washington had an estimated 44,942 residents on July 1, 2024, up 6.8 percent since the 2020 census base of 42,097, across 5,268 square miles. County output reached $2.35 bn in 2024, 1,202 establishments operate here, and the SBA record carries 49 7(a) approvals worth $22.0 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Okanogan County
How many people live in Okanogan County
- Population, American Community Survey 2020-202443,425
- Households17,540
- Average household size2.48
- Median household income$63,207
- Median age43.2
- Median gross rent$887 per month
- Median owner-occupied home value$299,800
- Home value to household income4.7 times
- Annual rent as a share of median income16.8 percent
- Adults 25 and over with a bachelor degree or higher24.7 percent
- Adults 25 and over with a graduate degree9.6 percent
- Adults 25 and over31,265
- Population under 189,387
- Share under 1821.6 percent
- Population 65 and over10,074
- Share 65 and over23.2 percent
- Working age population, 18 to 6423,964
- Civilian labor force19,327
- Unemployment rate4.5 percent
- Labor force participation, adults 18 and over56.8 percent
- Rank by population among Washington counties26th of 39
- Rank by population among US county-equivalents, Puerto Rico included1140th of 3,222
Okanogan County is the 26th largest of 39 Washington counties by population. A median home costs 4.7 times median household income, which is seriously unaffordable by national standards. Residents 65 and over outnumber those under 18, at 23.2 percent against 21.6 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.
Okanogan County
Is Okanogan County's population growing?
- Population, July 1, 202444,942
- Census 2020 base population42,097
- Population change since the 2020 census base6.76 percent
- Population change, 2023 to 2024944
- Births, 2024450
- Deaths, 2024522
- Natural change, 2024-72
- Net domestic migration, 2024188
- Net international migration, 2024830
- Total net migration, 20241,018
- Cumulative net domestic migration, 2021 to 20241,314
- Rank by growth among US county-equivalents321st of 3,144
The county has grown 6.76 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.
Okanogan County
Where are people moving to Okanogan County from?
- Tax returns filed by households arriving1,152
- People arriving, from those returns2,116
- Tax returns filed by households leaving929
- Net household movement223
- Adjusted gross income arriving$89.4 m
- Net adjusted gross income movement$32.3 m
- Average income of an arriving household$77,567
- Average income of a leaving household$61,471
- Largest single originKing County (121 households)
- Largest single destinationSpokane County (80 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| King County | 121 | 214 | $22.5 m |
| Douglas County | 118 | 236 | $4.6 m |
| Snohomish County | 80 | 141 | $7.2 m |
| Chelan County | 74 | 134 | $4.5 m |
| Spokane County | 64 | 112 | $3.0 m |
| Whatcom County | 50 | 90 | $3.2 m |
| Grant County | 45 | 92 | $2.5 m |
| Pierce County | 40 | 75 | $2.8 m |
Households arriving report $16,096 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 King 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.
Okanogan County
What is the Okanogan County economy?
- County GDP, 2024$2.35 bn
- County GDP, 2023$2.19 bn
- GDP change, 2023 to 20247.4 percent
- GDP change over five years50.3 percent
- Rank by GDP among the Washington areas BEA publishes25th of 39
- Rank by GDP among the US county areas BEA publishes1148th of 3,127
- GDP per resident$54,178
Output grew 7.4 percent in the latest year and 50.3 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.
Okanogan County
Employment by industry in Okanogan County
- Covered employment, annual average17,034
- Establishments reporting1,627
- Average annual pay$48,554
- Average weekly wage$934
- Retail trade, employment2,190
- Retail trade, average annual pay$36,823
- Health care and social assistance, employment1,664
- Health care and social assistance, average annual pay$51,744
- Accommodation and food services, employment1,115
- Accommodation and food services, average annual pay$27,041
- Manufacturing, employment673
- Manufacturing, average annual pay$44,143
- Construction, employment550
- Other services, except public administration, employment300
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Retail trade | 2,190 | 172 | $36,823 |
| Health care and social assistance | 1,664 | 144 | $51,744 |
| Accommodation and food services | 1,115 | 133 | $27,041 |
| Manufacturing | 673 | 37 | $44,143 |
| Construction | 550 | 196 | $47,700 |
| Other services, except public administration | 300 | 97 | $33,585 |
| Arts, entertainment and recreation | 250 | 24 | $30,609 |
| Wholesale trade | 203 | 43 | $65,523 |
Retail trade is the largest private sector at 2,190 jobs, 12.9 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Okanogan County
How many businesses are in Okanogan County?
- Establishments, all industries1,202
- Employment at those establishments8,819
- Annual payroll$421.9 m
- Establishments per 1,000 residents27.7
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.
Okanogan County
Building permits in Okanogan County
- Housing units authorized by permit, 2024246
- Declared construction value permitted$49.4 m
- Single family units authorized218
- Multifamily units authorized28
- Multifamily share of units11.4 percent
- Average declared value per unit$200,822
- Units authorized per 1,000 households14.0
Single-family homes are 88.6 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Okanogan County
SBA loans in Okanogan County (7(a) and 504)
- 7(a) approvals recorded49
- 7(a) gross approval dollars$22.0 m
- Average 7(a) approval$449,137
- Median 7(a) approval$75,000
- 10th percentile approval$20,000
- 90th percentile approval$1,495,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)455
- Jobs per approval9.3
- Distinct 7(a) lenders active18
- Distinct industries receiving approvals31
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer20.4 percent
- Loans on real estate terms10
- Loans on working capital terms, 120 months or shorter34
- Franchise loans3
- Franchise share of approvals6.1 percent
- Most active lenderColumbia Bank (15)
- 504 approvals recorded5
- 504 gross approval dollars$2.7 m
- Average 504 approval$542,600
- Median 504 approval$402,000
- Distinct CDCs active2
- 504 jobs per approval4.0
- 504 jobs per million dollars approved7.4
- Most active CDCNorthwest Business Development Association (4)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$24.7 m
The average approval of $449,137 sits well above the median of $75,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 20.4 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.
Okanogan County
SBA loan default and charge-off rates in Okanogan County
Do SBA loans in Okanogan County get paid back?
- Loans with a final outcome recorded4
- Paid in full3
- Charged off1
- Status: Exempt from disclosure37
- Status: Paid in full3
- Status: Cancelled6
- Status: Charged off1
- Status: Committed, not yet disbursed2
Only 4 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.
Okanogan County
SBA lending by place in Okanogan County
- Borrower cities with recorded lending8
- Oroville, approvals13
- Winthrop, approvals8
- Tonasket, approvals7
- Twisp, approvals6
- Omak, approvals6
- Brewster, approvals5
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Oroville | 13 | $781,000 |
| Winthrop | 8 | $5,761,400 |
| Tonasket | 7 | $7,130,300 |
| Twisp | 6 | $3,551,500 |
| Omak | 6 | $2,210,500 |
| Brewster | 5 | $661,000 |
| Coulee Dam | 3 | $1,862,000 |
| Pateros | 1 | $50,000 |
Oroville accounts for 13 approvals against 8 in Winthrop. 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.
Okanogan County
How large is Okanogan County?
- Land area5,268 sq mi
- Rank by land area among Washington counties1st of 39
- Width, east to west92.6 mi
- Height, north to south73.2 mi
- Geographies sharing a boundary7
- Residents per square mile of land8
- Establishments per square mile0.23
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.
Okanogan County
Flood risk in Okanogan County
- Participation of the county's own NFIP community Okanogan County, unincorporated areasParticipating, community 530117
- Communities in the county in the NFIP Community Status Book13
- Of those, participating in the NFIP12
- NFIP participation rate92.3 percent
- Communities carrying a CRS class0
- Radon levels in Okanogan County, EPA zone predicted average indoor radon screening level greater than 4 pCi/LZone 1
The county's own community in the status book, unincorporated Okanogan County (community 530117), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Okanogan County in radon zone 1, a predicted average indoor radon screening level greater than 4 pCi/L. The zone is a screening prediction for the county and does not substitute for a test at an address. 92.3 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 Okanogan 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 Okanogan County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202443,425
- Households17,540
- Average household size2.48
- Median household income$63,207
- Median age43.2
Common questions
Okanogan County questions, answered from the record.
How many people live in Okanogan County, Washington?
The Census Bureau estimates 44,942 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 43,425, in 17,540 households, ranking 26th of 39 Washington counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Okanogan County's population growing?
The population has grown 6.76 percent since the 2020 census base of 42,097, to 44,942 on July 1, 2024. In 2024 there were 450 births against 522 deaths, with net migration of 1,018. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Okanogan County?
$63,207. The median owner-occupied home is valued at $299,800, which is 4.7 times income, and median gross rent is $887 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Okanogan County?
1,202 establishments, employing 8,819 people with an annual payroll of $421.9 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 Okanogan County?
Retail trade is the largest private sector at 2,190 jobs, 12.9 percent of covered employment. Covered employment averages 17,034 jobs at an average annual pay of $48,554, or $934 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Okanogan County?
49 7(a) approvals totaling $22.0 m since FY2020, across 18 lenders, with a median approval of $75,000, plus 5 504 approvals worth $2.7 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Okanogan County?
246 housing units were authorized by permit in 2024, with a declared construction value of $49.4 m. Multifamily was 11.4 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Okanogan County?
Zone 1, a predicted average indoor radon screening level greater than 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 Okanogan County come from?
The largest single origin is King County, with 121 households. Arriving households report an average income of $77,567 against $61,471 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Okanogan 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 Okanogan 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.
Okanogan County
Cities and places in Okanogan.
19 Census places lie wholly or partly in Okanogan County. All 19 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 |
|---|---|---|---|---|
| Omak | city | 5,036 | 6 | Wholly in this county |
| Okanogan | city | 2,470 | None recorded | Wholly in this county |
| Brewster | city | 1,653 | 5 | Wholly in this county |
| Oroville | city | 1,605 | 13 | Wholly in this county |
| Coulee Dam | town | 1,595 | 3 | 78.3 percent here, 19.9 percent Douglas County |
| Twisp | town | 1,179 | 6 | Wholly in this county |
| Tonasket | city | 993 | 7 | Wholly in this county |
| Pateros | city | 583 | 1 | Wholly in this county |
| Riverside | town | 471 | None recorded | Wholly in this county |
| Malott | CDP | 447 | None recorded | Wholly in this county |
| Winthrop | town | 423 | 8 | Wholly in this county |
| North Omak | CDP | 416 | None recorded | Wholly in this county |
| Nespelem Community | CDP | 358 | None recorded | Wholly in this county |
| Elmer City | town | 332 | None recorded | Wholly in this county |
| Conconully | town | 182 | None recorded | Wholly in this county |
| Nespelem | town | 151 | None recorded | Wholly in this county |
| Loomis | CDP | 135 | None recorded | Wholly in this county |
| Methow | CDP | 58 | None recorded | Wholly in this county |
| Disautel | CDP | 34 | None recorded | Wholly in this county |
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