HomeCaliforniaMonterey CountyCarmel-by-the-Sea city
Carmel-by-the-Sea city, California: commercial real estate data.
Carmel-by-the-Sea city is a Census city of 3,162 people across 1.06 square miles of land, in Monterey County. Median household income is $129,250, 60.1 percent of occupied homes are owned, and the SBA record carries 2 7(a) approvals to borrowers here worth $135,000.
80 sourced place values · tier FULL · 9 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Carmel-by-the-Sea
What Carmel-by-the-Sea is
- Census place typecity
- Land area1.06 sq mi
- Water area0 sq mi
- Population per square mile of land2,979
- County holding the largest share of its areaMonterey 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.
Carmel-by-the-Sea
How many people live in Carmel-by-the-Sea
- Population3,162
- Median age68.5
- Population under 18106 plus or minus 76
- Share under 183.4 percent plus or minus 2.4
- Population 65 and over1,833 plus or minus 391
- Share 65 and over58.0 percent plus or minus 12.4
- Households1,619
- Family households953
- Share of households that are families58.9 percent plus or minus 12.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Carmel-by-the-Sea
Income and work in Carmel-by-the-Sea
- Median household income$129,250 plus or minus $46,886
- Per capita income$95,579 plus or minus $22,768
- Civilian labor force1,780 plus or minus 411
- Employed1,724 plus or minus 421
- Unemployed56 plus or minus 51
- Unemployment rate3.1 percent plus or minus 2.8
- Adults 25 and over3,046
- Adults 25 and over with a high school diploma or higher94.0 percent
- Adults 25 and over with a bachelor degree or higher72.9 percent
- Adults 25 and over with a graduate degree23.0 percent plus or minus 7.5
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Carmel-by-the-Sea
Housing in Carmel-by-the-Sea
- Housing units3,442
- Occupied units1,619
- Vacant units1,823
- Vacancy rate53.0 percent
- Owner occupied973 plus or minus 212
- Renter occupied646 plus or minus 236
- Ownership rate60.1 percent
- Median owner-occupied home value$2,000,001
- Median gross rent, monthly$2,707
- Annual rent as a share of median income25.1 percent plus or minus 10.2
- Single family units3,108
- Share single family90.3 percent
- Units in buildings of two or more304 plus or minus 120
- Share in buildings of two or more8.8 percent plus or minus 3.4
- Mobile homes30 plus or minus 20
- Median year structure built1950
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Carmel-by-the-Sea
How Carmel-by-the-Sea gets to work
- Workers 16 and over who commute1,501 plus or minus 452
- Commuting under 15 minutes1,115 plus or minus 709
- Share commuting under 15 minutes74.3 percent plus or minus 41.6
- Commuting 30 minutes or more228 plus or minus 159
- Share commuting 30 minutes or more15.2 percent plus or minus 9.5
- Drove alone47.6 percent plus or minus 14.0
- Carpooled32.9 percent plus or minus 38.7
- Public transport0.0 percent
- Walked7.1 percent plus or minus 4.6
- Worked from home11.7 percent plus or minus 7.5
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Carmel-by-the-Sea
SBA loans in Carmel-by-the-Sea (7(a))
- Approvals2
- Gross approval$135,000
- Average approval$67,500
- Median approval$75,000
- Ninetieth percentile approval$75,000
- Largest approval$75,000
- Jobs supported27
- Jobs per approval13.5
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term84 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises0.0 percent
- Distinct lenders2
- Distinct industries by NAICS2
A charge-off rate is not published here. only 0 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Carmel-by-the-Sea
SBA loans in Carmel-by-the-Sea (504)
- Approvals2
- Gross approval$3,183,000
- Average approval$1,591,500
- Median approval$1,928,000
- Largest approval$1,928,000
- Jobs supported49
- Loans with a final outcome0
- Charged off0
- Median term300 months
- Distinct CDCs1
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Carmel-by-the-Sea
Flood risk in Carmel-by-the-Sea
- Listed NFIP communities1
- Of those, participating1
- NFIP community number060196
- Currently effective map date06/21/17
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.
Monterey County, not Carmel-by-the-Sea
Monterey County context, not Carmel-by-the-Sea figures
These are Monterey County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Carmel-by-the-Sea measurements.
- Establishments in Monterey County9,212
- Employment at those establishments, Monterey County116,784
- Covered employment, Monterey County200,244
- Average annual pay, Monterey County$61,375
- Average weekly wage, Monterey County$1,180
- Housing units permitted, Monterey County677
- Of those, single family, Monterey County512
- County product, 2024, Monterey County$38,345,355,000
- County product change over the prior year, Monterey County3.5 percent
- Average income of an arriving household, Monterey County$202,252
Every figure in this section is published for Monterey County as a whole and is not a measurement of Carmel-by-the-Sea. 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
Carmel-by-the-Sea questions, answered from the record.
How many people live in Carmel-by-the-Sea, California?
3,162, in 1,619 households. Carmel-by-the-Sea city covers 1.06 square miles of land, which is 2,979 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Carmel-by-the-Sea in?
Monterey 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 Carmel-by-the-Sea?
$129,250. The median owner-occupied home is valued at $2,000,001. Median gross rent is $2,707 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Carmel-by-the-Sea businesses?
2 7(a) approvals totalling $135,000, across 2 lenders, median approval $75,000, plus 2 504 approvals worth $3.2 m. These count approvals to borrowers whose address is in Carmel-by-the-Sea, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Carmel-by-the-Sea borrowers get paid back?
No rate is published for Carmel-by-the-Sea. only 0 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Is Carmel-by-the-Sea in the National Flood Insurance Program?
Yes. Carmel-by-the-Sea appears in the FEMA Community Status Book as community 060196, 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 Carmel-by-the-Sea figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Monterey 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 Carmel-by-the-Sea.
Is zoning published for Carmel-by-the-Sea?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.