HomeCaliforniaSan Diego CountyCarlsbad
Carlsbad, California: commercial real estate data.
Carlsbad is a Census city of 114,373 people across 37.81 square miles of land, in San Diego County. Median household income is $142,748, 62.9 percent of occupied homes are owned, and the SBA record carries 231 7(a) approvals to borrowers here worth $121.1 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Carlsbad
What Carlsbad is
- Census place typecity
- Land area37.81 sq mi
- Water area1.3 sq mi
- Population per square mile of land3,025
- County holding the largest share of its areaSan Diego 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.
Carlsbad
How many people live in Carlsbad
- Population114,373
- Median age42.5
- Population under 1826,746
- Share under 1823.4 percent
- Population 65 and over21,458
- Share 65 and over18.8 percent
- Households44,038
- Family households30,497
- Share of households that are families69.3 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Carlsbad
Income and work in Carlsbad
- Median household income$142,748
- Per capita income$72,390
- Civilian labor force57,657
- Employed54,478
- Unemployed3,179 plus or minus 721
- Unemployment rate5.5 percent plus or minus 1.2
- Adults 25 and over80,987
- Adults 25 and over with a high school diploma or higher96.3 percent
- Adults 25 and over with a bachelor degree or higher62.1 percent
- Adults 25 and over with a graduate degree25.8 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Carlsbad
Housing in Carlsbad
- Housing units47,314
- Occupied units44,038
- Vacant units3,276
- Vacancy rate6.9 percent
- Owner occupied27,688
- Renter occupied16,350
- Ownership rate62.9 percent
- Median owner-occupied home value$1,257,000
- Median gross rent, monthly$2,808
- Annual rent as a share of median income23.6 percent
- Single family units32,320
- Share single family68.3 percent
- Units in buildings of two or more14,016
- Share in buildings of two or more29.6 percent
- Mobile homes959
- Median year structure built1989
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Carlsbad
How Carlsbad gets to work
- Workers 16 and over who commute36,914
- Commuting under 15 minutes9,213
- Share commuting under 15 minutes25.0 percent
- Commuting 30 minutes or more14,451
- Share commuting 30 minutes or more39.1 percent
- Drove alone59.6 percent
- Carpooled5.0 percent plus or minus 1.2
- Public transport0.8 percent plus or minus 0.4
- Walked1.3 percent plus or minus 0.5
- Worked from home31.9 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Carlsbad
SBA loans in Carlsbad (7(a))
- Approvals231
- Gross approval$121,144,400
- Average approval$524,435
- Median approval$250,000
- Ninetieth percentile approval$1,400,200
- Largest approval$5,000,000
- Jobs supported2,340
- Jobs per approval10.1
- Loans with a final outcome43
- Paid in full42
- Charged off1
- Charge-off rate over resolved loans2.3 percent
- Median term120 months
- Share on real estate terms of 20 years or more10.4 percent
- Share to franchises8.7 percent
- Distinct lenders56
- Distinct industries by NAICS116
Counted by borrower city: approvals to borrowers whose address is in Carlsbad, in any county, FY2020 to FY2026.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Carlsbad
SBA loans in Carlsbad (504)
- Approvals129
- Gross approval$134,490,000
- Average approval$1,042,558
- Median approval$762,000
- Largest approval$5,029,000
- Jobs supported2,134
- Loans with a final outcome56
- Charged off1
- Charge-off rate over resolved loans1.8 percent
- Median term240 months
- Distinct CDCs10
Counted by borrower city: approvals to borrowers whose address is in Carlsbad, in any county, FY2010 to FY2026.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Carlsbad
Flood risk in Carlsbad
- NFIP communityCity of Carlsbad
- NFIP community number060285
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date03/03/26
The City of Carlsbad participates in the National Flood Insurance Program as community 060285 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.
San Diego County, not Carlsbad
San Diego County context, not Carlsbad figures
- Establishments in San Diego County93,407
- Covered employment, San Diego County1,536,541
- Average annual pay, San Diego County$82,854
- Housing units permitted, San Diego County11,572
Every figure in this section is published for San Diego County as a whole and is not a measurement of Carlsbad.
All San Diego County figures →
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
Carlsbad questions, answered from the record.
How many people live in Carlsbad, California?
114,373, in 44,038 households. Carlsbad city covers 37.81 square miles of land, which is 3,025 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Carlsbad in?
San Diego 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 Carlsbad?
$142,748. The median owner-occupied home is valued at $1,257,000. Median gross rent is $2,808 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Carlsbad businesses?
231 7(a) approvals totaling $121.1 m since FY2020, across 56 lenders, median approval $250,000, plus 129 504 approvals worth $134.5 m since FY2010. These count approvals to borrowers whose address is in Carlsbad, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Carlsbad borrowers get paid back?
Of the 43 loans that have reached a final outcome, 42 were paid in full and 1 charged off, a charge off rate of 2.3 percent. Loans still running are excluded because they have not yet succeeded or failed.
Is Carlsbad in the National Flood Insurance Program?
Yes. Carlsbad appears in the FEMA Community Status Book as Carlsbad, city of, community 060285, 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 Carlsbad figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for San Diego 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 Carlsbad.
Is zoning published for Carlsbad?
No. Nothing on this page presents parcel level zoning.
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