Washington micro-market
Healthcare practice financing in Ellensburg, Washington
Direct answer
Density decides a lot here. Ellensburg runs 98.6 providers per 10,000 residents, 207 clinicians against 20,996 people, 22 percent of them in physical, occupational, and speech therapy, while Kittitas County lenders have approved 1 healthcare files worth $876,900 and the nearest metro is 28 miles out.
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- Population: 20,996 residents (10K-25K band)1
- Healthcare providers registered here: 207 across 21 fields2
- Median household income: $49,8883
- Largest provider field: Physical, occupational, and speech therapy: 46 registered providers2
- Medicare-certified providers in town: 3 across 3 categories4
- Nearest metro: Yakima, WA, 28 miles1
Fields practicing inside Ellensburg
The NPPES file puts 207 enumerated clinicians inside Ellensburg, spread over 21 fields at 98.6 per 10,000 residents
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Physical, occupational, and speech therapy | 46 | 21.9 | NPPES [2] |
| Primary care and family medicine | 27 | 12.9 | NPPES [2] |
| General dentistry | 22 | 10.5 | NPPES [2] |
| Chiropractic | 20 | 9.5 | NPPES [2] |
| Optometry and ophthalmology | 19 | 9.0 | NPPES [2] |
| Behavioral and mental health group practices | 15 | 7.1 | NPPES [2] |
| Independent pharmacy | 11 | 5.2 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 11 | 5.2 | NPPES [2] |
| ABA and autism therapy | 6 | 2.9 | NPPES [2] |
| Specialty physician groups | 6 | 2.9 | NPPES [2] |
| Audiology and hearing centers | 5 | 2.4 | NPPES [2] |
| Dental specialties | 4 | 1.9 | NPPES [2] |
| DME and HME suppliers | 3 | 1.4 | NPPES [2] |
| Home health | 2 | 1.0 | NPPES [2] |
| ASCs and OBLs | 2 | 1.0 | NPPES [2] |
| NEMT and ambulance | 2 | 1.0 | NPPES [2] |
| Telehealth and virtual clinics | 2 | 1.0 | NPPES [2] |
| Urgent care | 1 | 0.5 | NPPES [2] |
| SUD treatment and residential | 1 | 0.5 | NPPES [2] |
| Hospice and palliative | 1 | 0.5 | NPPES [2] |
| Dialysis and infusion centers | 1 | 0.5 | NPPES [2] |
| Medical equipment suppliers | 7 | CMS [4] | |
| Hospice providers | 1 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] | |
| Home health agencies | 1 | CMS [4] |
Physical, occupational, and speech therapy carries 46 of the 207 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
Kittitas County approvals, dollars, and lending establishments
The county file holds 1 healthcare approvals, which is a thin comparable set for anyone pricing collateral
| Line | Amount | Reading and source |
|---|---|---|
| Approvals on record | 1 | Fiscal year published in the SBA file [5] |
| Total approved capital | $876,900 | Sum of approvals to healthcare borrowers [5] |
| Mean deal size | $876,900 | Dollars divided by approvals [5] |
| Lenders sited in the county | 26 | Credit intermediation establishments, NAICS 522 [6] |
The consequence of these numbers
Underwriting starts with 98.6 providers per 10,000 residents, because that ratio caps how fast a chair or a room fills. With 1 approvals on record in Kittitas County, expect a longer appraisal and a wider collateral discount. A $49,888 median household income here sets the ceiling on what an elective or cash-pay line can be expected to carry.
Where a file from this town usually lands
- Practice acquisition
- Startup and de novo
- Working capital term loan
- Expansion, relocation, and build-out
- Equipment financing and leasing
The order comes from Ellensburg's own provider mix, which physical, occupational, and speech therapy dominates at 22 percent. What a partner can actually place in Washington is a separate question.
The first pages of a Ellensburg file
What a funder opens first depends on the field. In Ellensburg that means physical, occupational, and speech therapy, primary care and family medicine, general dentistry.
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Physical, occupational, and speech therapy (46) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (27) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| General dentistry (22) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
Counts in the first column are Ellensburg providers from NPPES. The other two columns describe how funders read that field across markets like Ellensburg, not what any funder will do with your file.
Ellensburg against nearby Washington markets
Density is the number that moves an appraisal: 98.6 per 10,000 here
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Ellensburg (current) | 20,996 | 207 | 98.6 | |
| Yakima | 97,390 | 1,229 | 126.2 | 28 |
| East Wenatchee | 14,330 | 129 | 90.0 | 31 |
| Wenatchee | 35,401 | 755 | 213.3 | 32 |
| Sunnyside | 16,317 | 122 | 74.8 | 54 |
| Grandview | 11,599 | 74 | 63.8 | 60 |
| Moses Lake | 26,969 | 362 | 134.2 | 61 |
What the geography does to a Ellensburg projection
28 miles separate Ellensburg from Yakima, WA. Rent comparables cross that gap; patients mostly do not. Median household income runs $49,888, which is the number a funder converts into case acceptance on anything elective or cash-pay. A Medicare-certified hospital operates here, so referral flow is verifiable and the clinical wage floor is already set. A degree-granting institution here moves volume on the academic calendar. Ellensburg is the Kittitas County seat, so county employment steadies the payer mix.
Nearby Washington towns
- Yakima 97,390 residents
- East Wenatchee 14,330 residents
- Wenatchee 35,401 residents
- Sunnyside 16,317 residents
- Grandview 11,599 residents
- Moses Lake 26,969 residents
Questions from Ellensburg
01How many providers practice in Ellensburg, and in what?
207 enumerations sit at Ellensburg addresses in the monthly NPPES file, working out to 98.6 for every 10,000 residents. 22 percent of them are physical, occupational, and speech therapy, and primary care and family medicine follows with 27. An enumeration is a clinician, so the 207 here cover fewer than 207 practices.
02Why does Kittitas County show so little SBA activity?
Only 1 healthcare approvals appear for Kittitas County in the published 7(a) and 504 file. Thin volume in Kittitas County is a transaction count, not a verdict on borrowers here. The county still holds 26 credit intermediation establishments.
03Is Ellensburg underwritten as part of Yakima, WA?
Comparables and demand split at 28 miles. An appraiser prices the lease and the equipment off Yakima, WA; the revenue line has to hold up against 20,996 local residents.
04What does Kittitas County's shortage designation change?
Kittitas County holds a HRSA designation covering primary care, dental, mental health. A pro forma for Ellensburg 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 Ellensburg affect a practice file?
Referral flow, coverage, and the local pay scale all trace back to it. The town carries 3 Medicare-certified providers in total. A Ellensburg projection that names the call arrangement reads better than one that assumes it.
06What does a $49,888 median income mean for case acceptance?
Median household income in Ellensburg runs $49,888. On elective and cash-pay work that is the number a funder converts into case acceptance, and it sets how much of a treatment plan a projection can assume gets started rather than deferred.
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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