California micro-market
Healthcare practice financing in Auburn, California
Direct answer
Density decides a lot here. Auburn runs 344.7 providers per 10,000 residents, 475 clinicians against 13,780 people, 19 percent of them in physical, occupational, and speech therapy, while Placer County lenders have approved 23 healthcare files worth $13,430,400 and the nearest metro is 31 miles out.
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- Population: 13,780 residents (10K-25K band)1
- Healthcare providers registered here: 475 across 29 fields2
- Median household income: $77,7603
- Largest provider field: Physical, occupational, and speech therapy: 90 registered providers2
- Medicare-certified providers in town: 7 across 4 categories4
- Nearest metro: Sacramento-Roseville-Folsom, CA, 31 miles1
Auburn clinicians, by field
475 providers across 29 fields, 344.7 per 10,000 residents, counted at Auburn addresses in the NPPES monthly file
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Physical, occupational, and speech therapy | 90 | 65.3 | NPPES [2] |
| Primary care and family medicine | 58 | 42.1 | NPPES [2] |
| Chiropractic | 45 | 32.7 | NPPES [2] |
| General dentistry | 41 | 29.8 | NPPES [2] |
| Specialty physician groups | 38 | 27.6 | NPPES [2] |
| Optometry and ophthalmology | 33 | 23.9 | NPPES [2] |
| Behavioral and mental health group practices | 30 | 21.8 | NPPES [2] |
| DME and HME suppliers | 19 | 13.8 | NPPES [2] |
| ABA and autism therapy | 19 | 13.8 | NPPES [2] |
| Dental specialties | 15 | 10.9 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 13 | 9.4 | NPPES [2] |
| SUD treatment and residential | 11 | 8.0 | NPPES [2] |
| Independent pharmacy | 10 | 7.3 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 10 | 7.3 | NPPES [2] |
| Audiology and hearing centers | 7 | 5.1 | NPPES [2] |
| Podiatry | 6 | 4.4 | NPPES [2] |
| Home health | 6 | 4.4 | NPPES [2] |
| Non-medical home care | 4 | 2.9 | NPPES [2] |
| Hospice and palliative | 3 | 2.2 | NPPES [2] |
| Occupational health and drug testing | 3 | 2.2 | NPPES [2] |
| Dermatology | 2 | 1.5 | NPPES [2] |
| Urgent care | 2 | 1.5 | NPPES [2] |
| ASCs and OBLs | 2 | 1.5 | NPPES [2] |
| Med spa and aesthetics | 2 | 1.5 | NPPES [2] |
| Clinical and toxicology labs | 2 | 1.5 | NPPES [2] |
| Pain management and interventional | 1 | 0.7 | NPPES [2] |
| NEMT and ambulance | 1 | 0.7 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 1 | 0.7 | NPPES [2] |
| Dialysis and infusion centers | 1 | 0.7 | NPPES [2] |
| Medical equipment suppliers | 12 | CMS [4] | |
| Hospice providers | 3 | CMS [4] | |
| Home health agencies | 2 | CMS [4] | |
| Ambulatory surgical centers | 1 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] |
A single Auburn practice can hold more than one of these numbers. 19 percent sit in physical, occupational, and speech therapy, counted as clinicians rather than as owners.
The lending record behind Auburn
The published file shows 23 healthcare approvals in Placer County, $13,430,400 in total, and that history is what an appraiser and a credit committee reach for
| Measure | Published figure | What sits behind it |
|---|---|---|
| SBA healthcare approvals | 23 | One published fiscal year, healthcare borrowers only [5] |
| Approved dollars | $13,430,400 | Approved, not disbursed, and not net of withdrawals [5] |
| Average approval | $583,930 | A mean, so one large approval moves it [5] |
| Lending establishments in the county | 319 | Credit intermediation offices sited in the county [6] |
What the two tables above change about a file
Underwriting starts with 344.7 providers per 10,000 residents, because that ratio caps how fast a chair or a room fills. Because Placer County already carries $13,430,400 across 23 healthcare approvals, a request near that average moves faster than one well above it. With $77,760 as the median household income, the payer mix in a projection has to match what Auburn households actually spend.
Programs the Auburn mix reaches for
- Practice acquisition
- Startup and de novo
- Expansion, relocation, and build-out
- Equipment financing and leasing
- Working capital term loan
The 29 fields practicing locally set this order. A funding partner, not this list, decides what is available in California.
The first pages of a Auburn file
What a funder opens first depends on the field. In Auburn that means physical, occupational, and speech therapy, primary care and family medicine, chiropractic.
| Practice type | The pages that decide it | Typical capital event |
|---|---|---|
| Physical, occupational, and speech therapy (90) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (58) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| Chiropractic (45) | Cash plan revenue, Personal injury receivable age, Visit volume | Startup or acquisition |
The first column is Auburn's own NPPES count. The rest is how the field is generally underwritten, whether the address is Auburn or anywhere else.
How Auburn prices against its neighbors
The neighboring markets below are the ones a valuation borrows from when Auburn has too few sales of its own
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Auburn (current) | 13,780 | 475 | 344.7 | |
| Rocklin | 75,129 | 517 | 68.8 | 11 |
| Lincoln | 56,268 | 170 | 30.2 | 12 |
| Citrus Heights | 86,909 | 380 | 43.7 | 18 |
| Placerville | 10,695 | 304 | 284.2 | 19 |
| Grass Valley | 14,085 | 497 | 352.9 | 22 |
| Marysville | 12,714 | 148 | 116.4 | 32 |
How Auburn sits against the nearest metro
Distance to Sacramento-Roseville-Folsom, CA is 31 miles. That is close enough for rent in Auburn to be compared against the metro and far enough that patient draw is not. Households here carry $77,760 in median income, and that ceiling decides how much of a treatment plan gets started rather than deferred. Wages here are anchored by the Medicare-certified hospital in town, which is what a staffing line gets measured against. Auburn is the Placer County seat, so county employment steadies the payer mix.
More of California
- Rocklin 75,129 residents
- Lincoln 56,268 residents
- Citrus Heights 86,909 residents
- Placerville 10,695 residents
- Grass Valley 14,085 residents
- Marysville 12,714 residents
Questions from Auburn
01How many providers practice in Auburn, and in what?
Across 29 fields, Auburn carries 475 enumerated clinicians, 344.7 per 10,000 of the 13,780 people living here. The concentration is in physical, occupational, and speech therapy, 90 of the total, then primary care and family medicine at 58. Count practices from that only with care.
02Is Auburn underwritten as part of Sacramento-Roseville-Folsom, CA?
Comparables and demand split at 31 miles. An appraiser prices the lease and the equipment off Sacramento-Roseville-Folsom, CA; the revenue line has to hold up against 13,780 local residents.
03What does SBA lending look like around Auburn?
Healthcare borrowers in Placer County took 23 approvals worth $13,430,400 in the published fiscal year, averaging $583,930. That is the comparable set an appraiser near Auburn reaches for first.
04What does Placer County's shortage designation change?
Placer County holds a HRSA designation covering primary care, dental, mental health. A pro forma for Auburn can cite it as the reason a vacancy is fillable, which is usually the weakest line in a ramp schedule.
05How does the hospital in Auburn affect a practice file?
It makes the staffing and referral lines checkable. 7 Medicare-certified providers hold Auburn addresses, and the hospital sets the wage a clinical hire is bid against in a 344.7 per 10,000 market.
06Which fields carry the volume in Auburn?
Physical, occupational, and speech therapy at 90 providers and primary care and family medicine at 58 lead the 29 fields enumerated here. A funder reads that mix as the local competition set and the local hiring pool at once, before it reads a single line of your own numbers.
Sources
- 1U.S. Census Bureau, Population Estimates, vintage 2024
- 2CMS NPPES, monthly full replacement file
- 3U.S. Census Bureau, ACS 5-year 2023, table B19013
- 4CMS Care Compare provider datasets
- 5U.S. Small Business Administration, 7(a) and 504 approvals
- 6U.S. Census Bureau, County Business Patterns 2022
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