HomeWashingtonStevens County
Stevens County, Washington: commercial real estate data.
Stevens County, Washington had an estimated 49,015 residents on July 1, 2024, up 5.5 percent since the 2020 census base of 46,446, across 2,478 square miles. County output reached $1.75 bn in 2024, 943 establishments operate here, and the SBA record carries 55 7(a) approvals worth $7.8 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Stevens County
How many people live in Stevens County
- Population, American Community Survey 2020-202448,067
- Households19,374
- Average household size2.48
- Median household income$69,327
- Median age46.9
- Median gross rent$898 per month
- Median owner-occupied home value$350,600
- Home value to household income5.1 times
- Annual rent as a share of median income15.5 percent
- Adults 25 and over with a bachelor degree or higher22.2 percent
- Adults 25 and over with a graduate degree7.9 percent
- Adults 25 and over34,909
- Population under 1810,166
- Share under 1821.1 percent
- Population 65 and over12,178
- Share 65 and over25.3 percent
- Working age population, 18 to 6425,723
- Civilian labor force19,452
- Unemployment rate5.3 percent
- Labor force participation, adults 18 and over51.3 percent
- Rank by population among Washington counties22nd of 39
- Rank by population among US county-equivalents, Puerto Rico included1038th of 3,222
Stevens County is the 22nd largest of 39 Washington 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 25.3 percent against 21.1 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.
Stevens County
Is Stevens County's population growing?
- Population, July 1, 202449,015
- Census 2020 base population46,446
- Population change since the 2020 census base5.53 percent
- Population change, 2023 to 2024177
- Births, 2024437
- Deaths, 2024629
- Natural change, 2024-192
- Net domestic migration, 2024363
- Net international migration, 202412
- Total net migration, 2024375
- Cumulative net domestic migration, 2021 to 20243,054
- Rank by growth among US county-equivalents471st of 3,144
The county has grown 5.53 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.
Stevens County
Where are people moving to Stevens County from?
- Tax returns filed by households arriving1,591
- People arriving, from those returns3,018
- Tax returns filed by households leaving1,157
- Net household movement434
- Adjusted gross income arriving$114.2 m
- Net adjusted gross income movement$47.7 m
- Average income of an arriving household$71,809
- Average income of a leaving household$57,513
- Largest single originSpokane County (582 households)
- Largest single destinationSpokane County (476 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Spokane County | 582 | 1,118 | $39.9 m |
| King County | 68 | 114 | $7.0 m |
| Snohomish County | 54 | 109 | $4.4 m |
| Pierce County | 48 | 99 | $5.0 m |
| Ferry County | 36 | 76 | $2.0 m |
| Kootenai County | 31 | 55 | $1.5 m |
| Pend Oreille County | 27 | 50 | $1.4 m |
| Maricopa County | 26 | 42 | $2.7 m |
Households arriving report $14,296 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 Spokane 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.
Stevens County
What is the Stevens County economy?
- County GDP, 2024$1.75 bn
- County GDP, 2023$1.61 bn
- GDP change, 2023 to 20249.3 percent
- GDP change over five years48.1 percent
- Rank by GDP among the Washington areas BEA publishes28th of 39
- Rank by GDP among the US county areas BEA publishes1391st of 3,127
- GDP per resident$36,496
Output grew 9.3 percent in the latest year and 48.1 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.
Stevens County
Employment by industry in Stevens County
- Covered employment, annual average11,512
- Establishments reporting1,025
- Average annual pay$53,211
- Average weekly wage$1,023
- Health care and social assistance, employment1,914
- Health care and social assistance, average annual pay$56,073
- Retail trade, employment1,247
- Retail trade, average annual pay$35,825
- Manufacturing, employment1,148
- Manufacturing, average annual pay$63,205
- Accommodation and food services, employment648
- Accommodation and food services, average annual pay$24,640
- Construction, employment500
- Administrative and support and waste management services, employment359
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 1,914 | 102 | $56,073 |
| Retail trade | 1,247 | 90 | $35,825 |
| Manufacturing | 1,148 | 48 | $63,205 |
| Accommodation and food services | 648 | 69 | $24,640 |
| Construction | 500 | 147 | $53,356 |
| Administrative and support and waste management services | 359 | 62 | $66,852 |
| Transportation and warehousing | 330 | 38 | $49,086 |
| Finance and insurance | 226 | 30 | $64,194 |
Health care and social assistance is the largest private sector at 1,914 jobs, 16.6 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Stevens County
How many businesses are in Stevens County?
- Establishments, all industries943
- Employment at those establishments8,423
- Annual payroll$418.3 m
- Establishments per 1,000 residents19.6
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.
Stevens County
Building permits in Stevens County
- Housing units authorized by permit, 2024335
- Declared construction value permitted$76.5 m
- Single family units authorized261
- Multifamily units authorized74
- Multifamily share of units22.1 percent
- Average declared value per unit$228,468
- Units authorized per 1,000 households17.3
Single-family homes are 77.9 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Stevens County
SBA loans in Stevens County (7(a) and 504)
- 7(a) approvals recorded55
- 7(a) gross approval dollars$7.8 m
- Average 7(a) approval$142,462
- Median 7(a) approval$75,000
- 10th percentile approval$22,280
- 90th percentile approval$288,680
- Largest single approval$800,000
- Jobs reported supported, 7(a)339
- Jobs per approval6.2
- Distinct 7(a) lenders active14
- Distinct industries receiving approvals21
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer7.4 percent
- Loans on real estate terms4
- Loans on working capital terms, 120 months or shorter49
- Franchise loans1
- Franchise share of approvals1.8 percent
- Leading industry by approval countRecreational Goods Rental (15)
- Most active lenderBanner Bank (21)
- 504 approvals recorded5
- 504 gross approval dollars$5.8 m
- Average 504 approval$1,161,200
- Median 504 approval$1,207,000
- Distinct CDCs active1
- 504 jobs per approval8.6
- 504 jobs per million dollars approved7.4
- Most active CDCNorthwest Business Development Association (5)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$13.6 m
The average approval of $142,462 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 7.4 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.
Stevens County
SBA loan default and charge-off rates in Stevens County
Do SBA loans in Stevens County get paid back?
- Loans with a final outcome recorded23
- Paid in full22
- Charged off1
- Status: Exempt from disclosure29
- Status: Paid in full22
- Status: Charged off1
- Status: Cancelled1
- Status: Committed, not yet disbursed2
Only 23 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.
Stevens County
SBA lending by place in Stevens County
- Borrower cities with recorded lending11
- Nine Mile Falls, approvals18
- Colville, approvals16
- Addy, approvals5
- Kettle Falls, approvals4
- Loon Lake, approvals3
- Tumtum, approvals2
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Nine Mile Falls | 18 | $2,504,400 |
| Colville | 16 | $1,961,200 |
| Addy | 5 | $1,276,000 |
| Kettle Falls | 4 | $631,000 |
| Loon Lake | 3 | $590,800 |
| Tumtum | 2 | $320,000 |
| Chewelah | 2 | $100,000 |
| Springdale | 2 | $80,000 |
| 3 other borrower cities | 3 | $372,000 |
Nine Mile Falls accounts for 18 approvals against 16 in Colville. 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.
Stevens County
How large is Stevens County?
- Land area2,478 sq mi
- Rank by land area among Washington counties5th of 39
- Width, east to west44.7 mi
- Height, north to south83.2 mi
- Geographies sharing a boundary4
- Residents per square mile of land19
- Establishments per square mile0.38
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.
Stevens County
Flood risk in Stevens County
- Participation of the county's own NFIP community Stevens County, unincorporated areasParticipating, community 530185
- Communities in the county in the NFIP Community Status Book5
- Of those, participating in the NFIP4
- NFIP participation rate80.0 percent
- Communities carrying a CRS class0
- Radon levels in Stevens 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 Stevens County (community 530185), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Stevens 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. 80.0 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 Stevens 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 Stevens County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202448,067
- Households19,374
- Average household size2.48
- Median household income$69,327
- Median age46.9
Common questions
Stevens County questions, answered from the record.
How many people live in Stevens County, Washington?
The Census Bureau estimates 49,015 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 48,067, in 19,374 households, ranking 22nd of 39 Washington counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Stevens County's population growing?
The population has grown 5.53 percent since the 2020 census base of 46,446, to 49,015 on July 1, 2024. In 2024 there were 437 births against 629 deaths, with net migration of 375. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Stevens County?
$69,327. The median owner-occupied home is valued at $350,600, which is 5.1 times income, and median gross rent is $898 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Stevens County?
943 establishments, employing 8,423 people with an annual payroll of $418.3 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 Stevens County?
Health care and social assistance is the largest private sector at 1,914 jobs, 16.6 percent of covered employment. Covered employment averages 11,512 jobs at an average annual pay of $53,211, or $1,023 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Stevens County?
55 7(a) approvals totaling $7.8 m since FY2020, across 14 lenders, with a median approval of $75,000, plus 5 504 approvals worth $5.8 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Stevens County?
335 housing units were authorized by permit in 2024, with a declared construction value of $76.5 m. Multifamily was 22.1 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Stevens 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 Stevens County come from?
The largest single origin is Spokane County, with 582 households. Arriving households report an average income of $71,809 against $57,513 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Stevens 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 Stevens 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.
Stevens County
Cities and places in Stevens.
11 Census places lie wholly or partly in Stevens County. All 11 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 |
|---|---|---|---|---|
| Suncrest | CDP | 5,345 | None recorded | Wholly in this county |
| Colville | city | 4,998 | 16 | Wholly in this county |
| Chewelah | city | 2,606 | 2 | Wholly in this county |
| Kettle Falls | city | 1,575 | 4 | Wholly in this county |
| Loon Lake | CDP | 906 | 3 | Wholly in this county |
| Springdale | town | 451 | 2 | Wholly in this county |
| Marcus | town | 242 | None recorded | Wholly in this county |
| Northport | town | 164 | None recorded | Wholly in this county |
| Clayton | CDP | 139 | None recorded | Wholly in this county |
| Valley | CDP | 135 | 1 | Wholly in this county |
| Addy | CDP | 117 | 5 | Wholly in this county |
A further 22 of the county's 55 SBA 7(a) approvals are to borrowers in cities that match no Census place in Stevens County, the largest being Nine Mile Falls (18), Tumtum (2), Deer Park (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