HomeCaliforniaAlameda CountyOakland city
Oakland city, California: commercial real estate data.
Oakland city is a Census city of 439,418 people across 55.96 square miles of land, in Alameda County. Median household income is $101,600, 42.3 percent of occupied homes are owned, and the SBA record carries 361 7(a) approvals to borrowers here worth $194.0 m.
82 sourced place values · tier FULL · 9 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Oakland
What Oakland is
- Census place typecity
- Land area55.96 sq mi
- Water area22.07 sq mi
- Population per square mile of land7,852
- County holding the largest share of its areaAlameda 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.
Oakland
How many people live in Oakland
- Population439,418
- Median age37.9
- Population under 1882,951
- Share under 1818.9 percent
- Population 65 and over64,520
- Share 65 and over14.7 percent
- Households176,584
- Family households94,915
- Share of households that are families53.8 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Oakland
Income and work in Oakland
- Median household income$101,600
- Per capita income$61,757
- Civilian labor force250,892
- Employed234,902
- Unemployed15,990
- Unemployment rate6.4 percent
- Adults 25 and over325,864
- Adults 25 and over with a high school diploma or higher84.8 percent
- Adults 25 and over with a bachelor degree or higher48.7 percent
- Adults 25 and over with a graduate degree22.0 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Oakland
Housing in Oakland
- Housing units191,713
- Occupied units176,584
- Vacant units15,129
- Vacancy rate7.9 percent
- Owner occupied74,753
- Renter occupied101,831
- Ownership rate42.3 percent
- Median owner-occupied home value$929,900
- Median gross rent, monthly$1,979
- Annual rent as a share of median income23.4 percent
- Single family units88,732
- Share single family46.3 percent
- Units in buildings of two or more101,737
- Share in buildings of two or more53.1 percent
- Mobile homes1,105 plus or minus 267
- Median year structure built1953
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Oakland
How Oakland gets to work
- Workers 16 and over who commute168,686
- Commuting under 15 minutes29,303
- Share commuting under 15 minutes17.4 percent
- Commuting 30 minutes or more79,098
- Share commuting 30 minutes or more46.9 percent
- Drove alone46.9 percent
- Carpooled7.6 percent
- Public transport12.5 percent
- Walked2.9 percent
- Worked from home26.5 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Oakland
SBA loans in Oakland (7(a))
- Approvals361
- Gross approval$194,025,900
- Average approval$537,468
- Median approval$250,000
- Ninetieth percentile approval$1,360,000
- Largest approval$5,000,000
- Jobs supported4,077
- Jobs per approval11.3
- Loans with a final outcome53
- Paid in full48
- Charged off5
- Charge-off rate over resolved loans9.4 percent
- Median term120 months
- Share on real estate terms of 20 years or more23.0 percent
- Share to franchises5.5 percent
- Distinct lenders70
- Distinct industries by NAICS153
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Oakland
SBA loans in Oakland (504)
- Approvals237
- Gross approval$186,149,000
- Average approval$785,439
- Median approval$537,000
- Largest approval$5,000,000
- Jobs supported2,252
- Loans with a final outcome69
- Charged off0
- Charge-off rate over resolved loans0.0 percent
- Median term240 months
- Distinct CDCs9
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Oakland
Flood risk in Oakland
- Listed NFIP communities1
- Of those, participating1
- NFIP community number065048
- Currently effective map date05/26/26
This community carries no Community Rating System class, so no CRS premium discount applies to it.
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
Alameda County, not Oakland
Alameda County context, not Oakland figures
These are Alameda County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Oakland measurements.
- Establishments in Alameda County42,318
- Employment at those establishments, Alameda County749,124
- Covered employment, Alameda County790,358
- Average annual pay, Alameda County$98,026
- Average weekly wage, Alameda County$1,885
- Housing units permitted, Alameda County1,743
- Of those, single family, Alameda County826
- County product, 2024, Alameda County$182,539,223,000
- County product change over the prior year, Alameda County3.9 percent
- Average income of an arriving household, Alameda County$142,638
Every figure in this section is published for Alameda County as a whole and is not a measurement of Oakland. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
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. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
Oakland questions, answered from the record.
How many people live in Oakland, California?
439,418, in 176,584 households. Oakland city covers 55.96 square miles of land, which is 7,852 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Oakland in?
Alameda 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 Oakland?
$101,600. The median owner-occupied home is valued at $929,900. Median gross rent is $1,979 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Oakland businesses?
361 7(a) approvals totalling $194.0 m, across 70 lenders, median approval $250,000, plus 237 504 approvals worth $186.1 m. These count approvals to borrowers whose address is in Oakland, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Oakland borrowers get paid back?
Of the 53 loans that have reached a final outcome, 48 were paid in full and 5 charged off, a charge off rate of 9.4 percent. Loans still running are excluded because they have not yet succeeded or failed.
Is Oakland in the National Flood Insurance Program?
Yes. Oakland appears in the FEMA Community Status Book as community 065048, 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 Oakland figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Alameda 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 Oakland.
Is zoning published for Oakland?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.