HomeCaliforniaOrange CountySan Clemente
San Clemente, California: commercial real estate data.
San Clemente is a Census city of 63,273 people across 18.36 square miles of land, in Orange County. Median household income is $140,062, 66.5 percent of occupied homes are owned, and the SBA record carries 123 7(a) approvals to borrowers here worth $77.8 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
San Clemente
What San Clemente is
- Census place typecity
- Land area18.36 sq mi
- Water area0.75 sq mi
- Population per square mile of land3,447
- County holding the largest share of its areaOrange 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.
San Clemente
How many people live in San Clemente
- Population63,273
- Median age45.6
- Population under 1813,165
- Share under 1820.8 percent
- Population 65 and over13,543
- Share 65 and over21.4 percent
- Households24,350
- Family households16,848
- Share of households that are families69.2 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
San Clemente
Income and work in San Clemente
- Median household income$140,062
- Per capita income$78,623
- Civilian labor force32,233
- Employed30,756
- Unemployed1,477
- Unemployment rate4.6 percent
- Adults 25 and over46,090
- Adults 25 and over with a high school diploma or higher94.4 percent
- Adults 25 and over with a bachelor degree or higher53.8 percent
- Adults 25 and over with a graduate degree20.8 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
San Clemente
Housing in San Clemente
- Housing units27,058
- Occupied units24,350
- Vacant units2,708
- Vacancy rate10.0 percent
- Owner occupied16,187
- Renter occupied8,163
- Ownership rate66.5 percent
- Median owner-occupied home value$1,398,400
- Median gross rent, monthly$2,460
- Annual rent as a share of median income21.1 percent
- Single family units18,355
- Share single family67.8 percent
- Units in buildings of two or more8,281
- Share in buildings of two or more30.6 percent
- Mobile homes410 plus or minus 110
- Median year structure built1983
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
San Clemente
How San Clemente gets to work
- Workers 16 and over who commute23,328
- Commuting under 15 minutes6,484
- Share commuting under 15 minutes27.8 percent
- Commuting 30 minutes or more10,845
- Share commuting 30 minutes or more46.5 percent
- Drove alone68.7 percent
- Carpooled5.6 percent plus or minus 1.1
- Public transport0.1 percent plus or minus 0.1
- Walked0.8 percent plus or minus 0.3
- Worked from home22.8 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
San Clemente
SBA loans in San Clemente (7(a))
- Approvals123
- Gross approval$77,836,100
- Average approval$632,814
- Median approval$300,000
- Ninetieth percentile approval$1,628,900
- Largest approval$5,000,000
- Jobs supported1,297
- Jobs per approval10.5
- Loans with a final outcome26
- Paid in full25
- Charged off1
- Median term120 months
- Share on real estate terms of 20 years or more22.0 percent
- Share to franchises6.5 percent
- Distinct lenders44
- Distinct industries by NAICS81
Counted by borrower city: approvals to borrowers whose address is in San Clemente, in any county, FY2020 to FY2026. Only 26 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
San Clemente
SBA loans in San Clemente (504)
- Approvals60
- Gross approval$56,608,000
- Average approval$943,467
- Median approval$713,500
- Largest approval$5,000,000
- Jobs supported648
- Loans with a final outcome24
- Charged off0
- Median term240 months
- Distinct CDCs7
Counted by borrower city: approvals to borrowers whose address is in San Clemente, in any county, FY2010 to FY2026. Only 24 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
San Clemente
Flood risk in San Clemente
- NFIP communityCity of San Clemente
- NFIP community number060230
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date03/21/19
The City of San Clemente participates in the National Flood Insurance Program as community 060230 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Orange County, not San Clemente
Orange County context, not San Clemente figures
- Establishments in Orange County106,961
- Covered employment, Orange County1,661,276
- Average annual pay, Orange County$81,403
- Housing units permitted, Orange County6,972
Every figure in this section is published for Orange County as a whole and is not a measurement of San Clemente.
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.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
San Clemente questions, answered from the record.
How many people live in San Clemente, California?
63,273, in 24,350 households. San Clemente city covers 18.36 square miles of land, which is 3,447 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is San Clemente in?
Orange 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 San Clemente?
$140,062. The median owner-occupied home is valued at $1,398,400. Median gross rent is $2,460 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to San Clemente businesses?
123 7(a) approvals totaling $77.8 m since FY2020, across 44 lenders, median approval $300,000, plus 60 504 approvals worth $56.6 m since FY2010. These count approvals to borrowers whose address is in San Clemente, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to San Clemente borrowers get paid back?
No rate is published for San Clemente. Only 26 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is San Clemente in the National Flood Insurance Program?
Yes. San Clemente appears in the FEMA Community Status Book as San Clemente, city of, community 060230, 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 San Clemente figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Orange 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 San Clemente.
Is zoning published for San Clemente?
No. Nothing on this page presents parcel level zoning.