HomeWashingtonThurston CountyTumwater
Tumwater, Washington: commercial real estate data.
Tumwater is a Census city of 26,956 people across 17.74 square miles of land, in Thurston County. Median household income is $95,212, 62.5 percent of occupied homes are owned, and the SBA record carries 53 7(a) approvals to borrowers here worth $32.6 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Tumwater
What Tumwater is
- Census place typecity
- Land area17.74 sq mi
- Water area0.28 sq mi
- Population per square mile of land1,519
- County holding the largest share of its areaThurston 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.
Tumwater
How many people live in Tumwater
- Population26,956
- Median age37.1
- Population under 185,612
- Share under 1820.8 percent
- Population 65 and over4,204
- Share 65 and over15.6 percent
- Households10,929
- Family households6,817
- Share of households that are families62.4 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Tumwater
Income and work in Tumwater
- Median household income$95,212
- Per capita income$46,975
- Civilian labor force14,391
- Employed13,622
- Unemployed769 plus or minus 254
- Unemployment rate5.3 percent plus or minus 1.7
- Adults 25 and over19,217
- Adults 25 and over with a high school diploma or higher96.8 percent
- Adults 25 and over with a bachelor degree or higher42.9 percent
- Adults 25 and over with a graduate degree16.0 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Tumwater
Housing in Tumwater
- Housing units11,377
- Occupied units10,929
- Vacant units448 plus or minus 230
- Vacancy rate3.9 percent plus or minus 2.0
- Owner occupied6,832
- Renter occupied4,097
- Ownership rate62.5 percent
- Median owner-occupied home value$472,200
- Median gross rent, monthly$1,779
- Annual rent as a share of median income22.4 percent
- Single family units7,938
- Share single family69.8 percent
- Units in buildings of two or more2,862
- Share in buildings of two or more25.2 percent
- Mobile homes563 plus or minus 191
- Median year structure built1995
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Tumwater
How Tumwater gets to work
- Workers 16 and over who commute10,023
- Commuting under 15 minutes3,542
- Share commuting under 15 minutes35.3 percent
- Commuting 30 minutes or more2,483
- Share commuting 30 minutes or more24.8 percent
- Drove alone59.6 percent
- Carpooled7.8 percent plus or minus 2.3
- Public transport0.5 percent plus or minus 0.5
- Walked2.6 percent plus or minus 1.4
- Worked from home27.7 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Tumwater
SBA loans in Tumwater (7(a))
- Approvals53
- Gross approval$32,629,500
- Average approval$615,651
- Median approval$348,500
- Ninetieth percentile approval$1,498,240
- Largest approval$5,000,000
- Jobs supported502
- Jobs per approval9.5
- Loans with a final outcome10
- Paid in full10
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more20.8 percent
- Share to franchises9.4 percent
- Distinct lenders29
- Distinct industries by NAICS35
Counted by borrower city: approvals to borrowers whose address is in Tumwater, in any county, FY2020 to FY2026. Only 10 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.
Tumwater
SBA loans in Tumwater (504)
- Approvals35
- Gross approval$27,837,000
- Average approval$795,343
- Median approval$426,000
- Largest approval$5,148,000
- Jobs supported230
- Loans with a final outcome12
- Charged off0
- Median term240 months
- Distinct CDCs3
Counted by borrower city: approvals to borrowers whose address is in Tumwater, in any county, FY2010 to FY2026. Only 12 loans have 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.
Tumwater
Flood risk in Tumwater
- NFIP communityCity of Tumwater
- NFIP community number530192
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date05/08/24
The City of Tumwater participates in the National Flood Insurance Program as community 530192 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.
Thurston County, not Tumwater
Thurston County context, not Tumwater figures
- Establishments in Thurston County6,656
- Covered employment, Thurston County128,824
- Average annual pay, Thurston County$72,043
- Housing units permitted, Thurston County1,222
Every figure in this section is published for Thurston County as a whole and is not a measurement of Tumwater.
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
Tumwater questions, answered from the record.
How many people live in Tumwater, Washington?
26,956, in 10,929 households. Tumwater city covers 17.74 square miles of land, which is 1,519 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Tumwater in?
Thurston 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 Tumwater?
$95,212. The median owner-occupied home is valued at $472,200. Median gross rent is $1,779 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Tumwater businesses?
53 7(a) approvals totaling $32.6 m since FY2020, across 29 lenders, median approval $348,500, plus 35 504 approvals worth $27.8 m since FY2010. These count approvals to borrowers whose address is in Tumwater, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Tumwater borrowers get paid back?
No rate is published for Tumwater. Only 10 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 Tumwater in the National Flood Insurance Program?
Yes. Tumwater appears in the FEMA Community Status Book as Tumwater, city of, community 530192, 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 Tumwater figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Thurston 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 Tumwater.
Is zoning published for Tumwater?
No. Nothing on this page presents parcel level zoning.
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