HomeCaliforniaOrange CountySan Clemente city
San Clemente city, California: commercial real estate data.
San Clemente city 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.
82 sourced place values · tier FULL · 9 sections
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 7(a) lending to San Clemente borrowers
- Approvals123
- Gross approval$77,836,100
- Average approval$632,814
- Median approval$300,000
- Ninetieth percentile approval$1,677,000
- Largest approval$5,000,000
- Jobs supported1,297
- Jobs per approval10.5
- Loans with a final outcome26
- Paid in full25
- Charged off1
- Charge-off rate over resolved loans3.8 percent
- 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
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
San Clemente
SBA 504 lending to San Clemente borrowers
- Approvals60
- Gross approval$56,608,000
- Average approval$943,467
- Median approval$724,000
- Largest approval$5,000,000
- Jobs supported648
- Loans with a final outcome24
- Charged off0
- Charge-off rate over resolved loans0.0 percent
- Median term240 months
- Distinct CDCs7
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
San Clemente
Flood programme status in San Clemente
- Listed NFIP communities1
- Of those, participating1
- NFIP community number060230
- Currently effective map date03/21/19
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.
Orange County, not San Clemente
Orange County context, not San Clemente figures
These are Orange County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as San Clemente measurements.
- Establishments in Orange County106,961
- Employment at those establishments, Orange County1,580,778
- Covered employment, Orange County1,661,276
- Average annual pay, Orange County$81,403
- Average weekly wage, Orange County$1,565
- Housing units permitted, Orange County6,972
- Of those, single family, Orange County2,671
- County product, 2024, Orange County$351,752,654,000
- County product change over the prior year, Orange County5.6 percent
- Average income of an arriving household, Orange County$114,759
Every figure in this section is published for Orange County as a whole and is not a measurement of San Clemente. 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
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 totalling $77.8 m, across 44 lenders, median approval $300,000, plus 60 504 approvals worth $56.6 m. 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?
Of the 26 loans that have reached a final outcome, 25 were paid in full and 1 charged off, a charge off rate of 3.8 percent. Loans still running are excluded because they have not yet succeeded or failed.
Is San Clemente in the National Flood Insurance Program?
Yes. San Clemente appears in the FEMA Community Status Book as 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 labelled 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?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.