HomeCaliforniaMerced CountyMerced city
Merced city, California: commercial real estate data.
Merced city is a Census city of 91,953 people across 23.25 square miles of land, in Merced County. Median household income is $63,122, 45.9 percent of occupied homes are owned, and the SBA record carries 60 7(a) approvals to borrowers here worth $51.9 m.
82 sourced place values · tier FULL · 9 sections
Merced
What Merced is
- Census place typecity
- Land area23.25 sq mi
- Water area0 sq mi
- Population per square mile of land3,956
- County holding the largest share of its areaMerced 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.
Merced
How many people live in Merced
- Population91,953
- Median age30.0
- Population under 1827,510
- Share under 1829.9 percent
- Population 65 and over9,545
- Share 65 and over10.4 percent
- Households27,950
- Family households19,944
- Share of households that are families71.4 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Merced
Income and work in Merced
- Median household income$63,122
- Per capita income$27,343
- Civilian labor force41,675
- Employed36,948
- Unemployed4,727
- Unemployment rate11.3 percent
- Adults 25 and over53,759
- Adults 25 and over with a high school diploma or higher76.9 percent
- Adults 25 and over with a bachelor degree or higher20.2 percent
- Adults 25 and over with a graduate degree6.9 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Merced
Housing in Merced
- Housing units29,758
- Occupied units27,950
- Vacant units1,808
- Vacancy rate6.1 percent
- Owner occupied12,828
- Renter occupied15,122
- Ownership rate45.9 percent
- Median owner-occupied home value$372,600
- Median gross rent, monthly$1,393
- Annual rent as a share of median income26.5 percent
- Single family units20,132
- Share single family67.7 percent
- Units in buildings of two or more8,915
- Share in buildings of two or more30.0 percent
- Mobile homes701 plus or minus 189
- Median year structure built1985
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Merced
How Merced gets to work
- Workers 16 and over who commute32,821
- Commuting under 15 minutes12,515
- Share commuting under 15 minutes38.1 percent
- Commuting 30 minutes or more10,706
- Share commuting 30 minutes or more32.6 percent
- Drove alone73.6 percent
- Carpooled8.4 percent
- Public transport0.8 percent plus or minus 0.7
- Walked1.4 percent plus or minus 0.5
- Worked from home8.4 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Merced
SBA 7(a) lending to Merced borrowers
- Approvals60
- Gross approval$51,906,200
- Average approval$865,103
- Median approval$400,000
- Ninetieth percentile approval$3,100,000
- Largest approval$5,000,000
- Jobs supported800
- Jobs per approval13.3
- Loans with a final outcome11
- Paid in full11
- Charged off0
- Charge-off rate over resolved loans0.0 percent
- Median term120 months
- Share on real estate terms of 20 years or more31.7 percent
- Share to franchises18.3 percent
- Distinct lenders29
- Distinct industries by NAICS37
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Merced
SBA 504 lending to Merced borrowers
- Approvals38
- Gross approval$41,191,000
- Average approval$1,083,974
- Median approval$547,000
- Largest approval$4,183,000
- Jobs supported357
- Loans with a final outcome14
- Charged off0
- Charge-off rate over resolved loans0.0 percent
- Median term300 months
- Distinct CDCs10
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Merced
Flood programme status in Merced
- Listed NFIP communities1
- Of those, participating1
- NFIP community number060191
- Currently effective map date12/02/08
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.
Merced County, not Merced
Merced County context, not Merced figures
These are Merced County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Merced measurements.
- Establishments in Merced County3,592
- Employment at those establishments, Merced County49,545
- Covered employment, Merced County84,952
- Average annual pay, Merced County$54,952
- Average weekly wage, Merced County$1,057
- Housing units permitted, Merced County520
- Of those, single family, Merced County517
- County product, 2024, Merced County$13,282,268,000
- County product change over the prior year, Merced County9.2 percent
- Average income of an arriving household, Merced County$53,930
Every figure in this section is published for Merced County as a whole and is not a measurement of Merced. 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
Merced questions, answered from the record.
How many people live in Merced, California?
91,953, in 27,950 households. Merced city covers 23.25 square miles of land, which is 3,956 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Merced in?
Merced 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 Merced?
$63,122. The median owner-occupied home is valued at $372,600. Median gross rent is $1,393 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Merced businesses?
60 7(a) approvals totalling $51.9 m, across 29 lenders, median approval $400,000, plus 38 504 approvals worth $41.2 m. These count approvals to borrowers whose address is in Merced, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Merced borrowers get paid back?
Of the 11 loans that have reached a final outcome, 11 were paid in full and 0 charged off, a charge off rate of 0.0 percent. Loans still running are excluded because they have not yet succeeded or failed.
Is Merced in the National Flood Insurance Program?
Yes. Merced appears in the FEMA Community Status Book as community 060191, 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 Merced figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Merced 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 Merced.
Is zoning published for Merced?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.