Washington micro-market
Healthcare practice financing in Pullman, Washington
Direct answer
A Pullman file is read against 241 local clinicians, 71.8 for every 10,000 of its 33,543 residents, 28 percent of them in physical, occupational, and speech therapy, plus the 1 SBA healthcare approvals worth $18,000 already recorded in Whitman County, 25 miles from Lewiston, ID-WA.
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- Population: 33,543 residents (25K-50K band)1
- Healthcare providers registered here: 241 across 23 fields2
- Median household income: $45,0973
- Largest provider field: Physical, occupational, and speech therapy: 67 registered providers2
- Nearest metro: Lewiston, ID-WA, 25 miles1
- Hospital: A Medicare-certified hospital operates in the town4
Pullman clinicians, by field
Counted at the town's own addresses: 241 providers, 23 fields, 71.8 clinicians per 10,000 of the 33,543 residents here
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Physical, occupational, and speech therapy | 67 | 20.0 | NPPES [2] |
| Primary care and family medicine | 37 | 11.0 | NPPES [2] |
| ABA and autism therapy | 27 | 8.0 | NPPES [2] |
| General dentistry | 17 | 5.1 | NPPES [2] |
| Optometry and ophthalmology | 17 | 5.1 | NPPES [2] |
| Behavioral and mental health group practices | 11 | 3.3 | NPPES [2] |
| Specialty physician groups | 10 | 3.0 | NPPES [2] |
| Chiropractic | 8 | 2.4 | NPPES [2] |
| Audiology and hearing centers | 8 | 2.4 | NPPES [2] |
| Independent pharmacy | 6 | 1.8 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 6 | 1.8 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 5 | 1.5 | NPPES [2] |
| Home health | 4 | 1.2 | NPPES [2] |
| DME and HME suppliers | 3 | 0.9 | NPPES [2] |
| Telehealth and virtual clinics | 3 | 0.9 | NPPES [2] |
| SUD treatment and residential | 2 | 0.6 | NPPES [2] |
| Dental specialties | 2 | 0.6 | NPPES [2] |
| NEMT and ambulance | 2 | 0.6 | NPPES [2] |
| Clinical and toxicology labs | 2 | 0.6 | NPPES [2] |
| Urgent care | 1 | 0.3 | NPPES [2] |
| Hospice and palliative | 1 | 0.3 | NPPES [2] |
| Med spa and aesthetics | 1 | 0.3 | NPPES [2] |
| IV hydration and infusion | 1 | 0.3 | NPPES [2] |
| Medical equipment suppliers | 4 | CMS [4] |
Physical, occupational, and speech therapy carries 67 of the 241 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
The lending record behind Pullman
1 healthcare approvals sit in the county file, so an appraiser here works from a short comparable set
| What it measures | Value | How to read it |
|---|---|---|
| Healthcare files approved | 1 | One published fiscal year, healthcare borrowers only [5] |
| Dollars behind them | $18,000 | Approved, not disbursed, and not net of withdrawals [5] |
| Typical approval size | $18,000 | A mean, so one large approval moves it [5] |
| Credit offices operating locally | 27 | Credit intermediation offices sited in the county [6] |
Reading Pullman the way a credit committee does
At 71.8 clinicians per 10,000 residents, the catchment radius in a projection has to be defended rather than assumed. Whitman County has 1 approvals to compare against, so plan for extra appraisal time and a conservative valuation. With $45,097 as the median household income, the payer mix in a projection has to match what Pullman households actually spend.
The programs this provider mix points at
- Practice acquisition
- Startup and de novo
- Working capital term loan
- Expansion, relocation, and build-out
- Equipment financing and leasing
The order comes from Pullman's own provider mix, which physical, occupational, and speech therapy dominates at 28 percent. What a partner can actually place in Washington is a separate question.
What a funder reads first in Pullman
What a funder opens first depends on the field. In Pullman that means physical, occupational, and speech therapy, primary care and family medicine, aba and autism therapy.
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| Physical, occupational, and speech therapy (67) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (37) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| ABA and autism therapy (27) | Authorized hours against delivered hours, Payer mix stability, Billing compliance history | Working capital against authorization and billing lag |
Local counts come from NPPES. What a file turns on is drawn from how the field is generally reviewed, not from any decision about your practice.
How Pullman prices against its neighbors
71.8 per 10,000 is the figure a neighboring town gets compared against when an appraiser prices Pullman
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Pullman (current) | 33,543 | 241 | 71.8 | |
| Cheney | 12,700 | 48 | 37.8 | 56 |
| Liberty Lake | 13,353 | 134 | 100.4 | 65 |
| Airway Heights | 11,950 | 25 | 20.9 | 66 |
| Walla Walla | 33,901 | 444 | 131.0 | 72 |
| Pasco | 81,724 | 322 | 39.4 | 98 |
| Kennewick | 86,728 | 1,082 | 124.8 | 102 |
Distance, income, and the wage floor around Pullman
Lewiston, ID-WA lies 25 miles from Pullman, close enough that appraisers price the lease against Lewiston, ID-WA rents while 33,543 residents set the revenue ceiling. At $45,097 median household income, the elective and cash-pay share of a projection is the line that gets tested first. Because a certified hospital sits inside the town, both the referral path and the pay a clinical hire expects are already observable. Campus terms, not calendar quarters, set the busy months in Pullman.
Other Washington markets
- Cheney 12,700 residents
- Liberty Lake 13,353 residents
- Airway Heights 11,950 residents
- Walla Walla 33,901 residents
- Pasco 81,724 residents
- Kennewick 86,728 residents
Pullman owners, answered
01How many providers practice in Pullman, and in what?
NPPES lists 241 providers at a Pullman practice address, 71.8 per 10,000 residents across 23 tracked fields. Physical, occupational, and speech therapy accounts for 67 of them, 28 percent of the total, with primary care and family medicine next at 37. Read that as clinicians: 241 enumerations, not 241 owners.
02Why does Whitman County show so little SBA activity?
The published file records 1 7(a) and 504 approvals to healthcare borrowers in Whitman County. That tracks how few Whitman County practices changed hands that year, not credit quality. 27 credit intermediation establishments operate in Whitman County, so the lending capacity is local even where the healthcare history is not.
03Is Pullman underwritten as part of Lewiston, ID-WA?
Lewiston, ID-WA sits 25 miles away, close enough that appraisers reach into that market for rent and resale comparables while your patient draw stays local. The comparables read Lewiston, ID-WA; the 33,543 residents set the ceiling a projection can defend.
04What does Whitman County's shortage designation change?
Designated for primary care, dental, mental health, Whitman County qualifies its clinicians for federal repayment support. On a file that turns on adding staff, that is the difference between a hiring assumption and a hiring plan.
05How does the hospital in Pullman affect a practice file?
It makes the staffing and referral lines checkable. and the hospital sets the wage a clinical hire is bid against in a 71.8 per 10,000 market.
06What does a $45,097 median income mean for case acceptance?
Median household income in Pullman runs $45,097. 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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