HomeCaliforniaSan Diego CountyCarlsbad city
Carlsbad city, California: commercial real estate data.
Carlsbad city 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.
82 sourced place values · tier FULL · 9 sections · 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
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
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Carlsbad
Flood risk in Carlsbad
- Listed NFIP communities1
- Of those, participating1
- NFIP community number060285
- Currently effective map date03/03/26
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.
San Diego County, not Carlsbad
San Diego County context, not Carlsbad figures
These are San Diego County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Carlsbad measurements.
- Establishments in San Diego County93,407
- Employment at those establishments, San Diego County1,391,721
- Covered employment, San Diego County1,536,541
- Average annual pay, San Diego County$82,854
- Average weekly wage, San Diego County$1,593
- Housing units permitted, San Diego County11,572
- Of those, single family, San Diego County3,377
- County product, 2024, San Diego County$331,867,565,000
- County product change over the prior year, San Diego County5.3 percent
- Average income of an arriving household, San Diego County$103,475
Every figure in this section is published for San Diego County as a whole and is not a measurement of Carlsbad. 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
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 totalling $121.1 m, across 56 lenders, median approval $250,000, plus 129 504 approvals worth $134.5 m. 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 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 labelled 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?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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