Oregon micro-market
Healthcare practice financing in Central Point, Oregon
Direct answer
Density decides a lot here. Central Point runs 64.8 providers per 10,000 residents, 124 clinicians against 19,128 people, 18 percent of them in aba and autism therapy, while Jackson County lenders have approved 9 healthcare files worth $3,554,000 and the nearest metro is 4 miles out.
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- Population: 19,128 residents (10K-25K band)1
- Healthcare providers registered here: 124 across 20 fields2
- Median household income: $80,4503
- Largest provider field: ABA and autism therapy: 22 registered providers2
- Medicare-certified providers in town: 2 across 2 categories4
- Nearest metro: Medford, OR, 4 miles1
Who is enumerated in Central Point
The NPPES file puts 124 enumerated clinicians inside Central Point, spread over 20 fields at 64.8 per 10,000 residents
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| ABA and autism therapy | 22 | 11.5 | NPPES [2] |
| Chiropractic | 17 | 8.9 | NPPES [2] |
| Physical, occupational, and speech therapy | 13 | 6.8 | NPPES [2] |
| Behavioral and mental health group practices | 11 | 5.8 | NPPES [2] |
| Primary care and family medicine | 10 | 5.2 | NPPES [2] |
| General dentistry | 10 | 5.2 | NPPES [2] |
| Optometry and ophthalmology | 8 | 4.2 | NPPES [2] |
| DME and HME suppliers | 5 | 2.6 | NPPES [2] |
| Specialty physician groups | 5 | 2.6 | NPPES [2] |
| Non-medical home care | 4 | 2.1 | NPPES [2] |
| Hospice and palliative | 3 | 1.6 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 3 | 1.6 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 3 | 1.6 | NPPES [2] |
| Home health | 2 | 1.0 | NPPES [2] |
| Telehealth and virtual clinics | 2 | 1.0 | NPPES [2] |
| Occupational health and drug testing | 2 | 1.0 | NPPES [2] |
| Dermatology | 1 | 0.5 | NPPES [2] |
| SUD treatment and residential | 1 | 0.5 | NPPES [2] |
| Independent pharmacy | 1 | 0.5 | NPPES [2] |
| Clinical and toxicology labs | 1 | 0.5 | NPPES [2] |
| Medical equipment suppliers | 3 | CMS [4] | |
| Hospice providers | 1 | CMS [4] | |
| Home health agencies | 1 | CMS [4] |
ABA and autism therapy carries 22 of the 124 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
Jackson County approvals, dollars, and lending establishments
With 9 healthcare approvals recorded, Jackson County gives a valuation almost nothing local to lean on
| What it measures | Value | How to read it |
|---|---|---|
| Approvals on record | 9 | Fiscal year published in the SBA file [5] |
| Total approved capital | $3,554,000 | Sum of approvals to healthcare borrowers [5] |
| Mean deal size | $394,889 | Dollars divided by approvals [5] |
| Lenders sited in the county | 120 | Credit intermediation establishments, NAICS 522 [6] |
The consequence of these numbers
Underwriting starts with 64.8 providers per 10,000 residents, because that ratio caps how fast a chair or a room fills. Jackson County has 9 approvals to compare against, so plan for extra appraisal time and a conservative valuation. With $80,450 as the median household income, the payer mix in a projection has to match what Central Point households actually spend.
Where a file from this town usually lands
- Practice acquisition
- Working capital term loan
- Startup and de novo
- Expansion, relocation, and build-out
- Equipment financing and leasing
Ranked from the 20 fields that actually practice in Central Point, weighted toward aba and autism therapy. Availability still depends on Oregon and on the funding partner.
Underwriting by field in Central Point
aba and autism therapy, chiropractic, physical, occupational, and speech therapy account for most of what is enumerated in Central Point, so those are the files funders see from this town
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| ABA and autism therapy (22) | Authorized hours against delivered hours, Payer mix stability, Billing compliance history | Working capital against authorization and billing lag |
| Chiropractic (17) | Cash plan revenue, Personal injury receivable age, Visit volume | Startup or acquisition |
| Physical, occupational, and speech therapy (13) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
Column one counts Central Point clinicians from the federal file. Columns two and three describe how the field is usually underwritten, and a partner can read a Central Point file differently.
How Central Point prices against its neighbors
Density is the number that moves an appraisal: 64.8 per 10,000 here
| Comparable | People | Enumerations | Per 10,000 residents | Miles |
|---|---|---|---|---|
| Central Point (current) | 19,128 | 124 | 64.8 | |
| Medford | 86,301 | 1,189 | 137.8 | 4 |
| Ashland | 20,935 | 355 | 169.6 | 17 |
| Grants Pass | 39,468 | 639 | 161.9 | 22 |
| Klamath Falls | 22,174 | 497 | 224.1 | 59 |
| Roseburg | 23,795 | 589 | 247.5 | 63 |
| Coos Bay | 15,801 | 256 | 162.0 | 97 |
What the geography does to a Central Point projection
4 miles separate Central Point from Medford, OR. Lease pricing follows Medford, OR, while revenue stays capped by the 19,128 residents here. Median household income runs $80,450, which is the number a funder converts into case acceptance on anything elective or cash-pay. No hospital operates here, so the referral sources and the call arrangement have to be named rather than assumed.
Other Oregon markets
- Medford 86,301 residents
- Ashland 20,935 residents
- Grants Pass 39,468 residents
- Klamath Falls 22,174 residents
- Roseburg 23,795 residents
- Coos Bay 15,801 residents
Questions from Central Point
01How many providers practice in Central Point, and in what?
Across 20 fields, Central Point carries 124 enumerated clinicians, 64.8 per 10,000 of the 19,128 people living here. The concentration is in aba and autism therapy, 22 of the total, then chiropractic at 17. Count practices from that only with care.
02What does Jackson County's shortage designation change?
HRSA designates Jackson County for primary care, dental, mental health. That opens loan repayment programs for clinicians recruited into Central Point and evidences a staffing ramp in a 19,128 resident market.
03Why does Jackson County show so little SBA activity?
Only 9 healthcare approvals appear for Jackson County in the published 7(a) and 504 file. Thin volume in Jackson County is a transaction count, not a verdict on borrowers here. The county still holds 120 credit intermediation establishments.
04Is Central Point underwritten as part of Medford, OR?
Partly. Medford, OR is 4 miles out, so rent and equipment comparables travel in from there while patients still come from the 19,128 residents around Central Point. Cost side metro, revenue side local.
05Is there local lending capacity in Jackson County?
County Business Patterns records 120 credit intermediation establishments in Jackson County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Central Point rents and resale before or by somebody working from a screen.
06What does the underserved designation in Jackson County support?
Jackson County carries a medically underserved designation. It evidences unmet demand behind a capacity build, and it opens recruitment programs that make a staffing line in a projection easier to defend than local wage data alone would.
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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