HomeCaliforniaSan Diego CountyEncinitas city
Encinitas city, California: commercial real estate data.
Encinitas city is a Census city of 61,480 people across 19.06 square miles of land, in San Diego County. Median household income is $162,229, 66.5 percent of occupied homes are owned, and the SBA record carries 114 7(a) approvals to borrowers here worth $62.1 m.
82 sourced place values · tier FULL · 9 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Encinitas
What Encinitas is
- Census place typecity
- Land area19.06 sq mi
- Water area1.1 sq mi
- Population per square mile of land3,226
- 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.
Encinitas
How many people live in Encinitas
- Population61,480
- Median age43.1
- Population under 1812,696
- Share under 1820.7 percent
- Population 65 and over12,264
- Share 65 and over19.9 percent
- Households23,927
- Family households15,714
- Share of households that are families65.7 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Encinitas
Income and work in Encinitas
- Median household income$162,229
- Per capita income$84,594
- Civilian labor force33,374
- Employed31,871
- Unemployed1,503 plus or minus 310
- Unemployment rate4.5 percent plus or minus 0.9
- Adults 25 and over45,506
- Adults 25 and over with a high school diploma or higher95.2 percent
- Adults 25 and over with a bachelor degree or higher67.7 percent
- Adults 25 and over with a graduate degree28.6 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Encinitas
Housing in Encinitas
- Housing units26,230
- Occupied units23,927
- Vacant units2,303
- Vacancy rate8.8 percent
- Owner occupied15,900
- Renter occupied8,027
- Ownership rate66.5 percent
- Median owner-occupied home value$1,646,800
- Median gross rent, monthly$2,886
- Annual rent as a share of median income21.3 percent
- Single family units19,780
- Share single family75.4 percent
- Units in buildings of two or more5,503
- Share in buildings of two or more21.0 percent
- Mobile homes925 plus or minus 254
- Median year structure built1980
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Encinitas
How Encinitas gets to work
- Workers 16 and over who commute21,190
- Commuting under 15 minutes5,067
- Share commuting under 15 minutes23.9 percent
- Commuting 30 minutes or more6,756
- Share commuting 30 minutes or more31.9 percent
- Drove alone57.8 percent
- Carpooled4.8 percent plus or minus 1.1
- Public transport0.7 percent plus or minus 0.4
- Walked1.6 percent plus or minus 0.6
- Worked from home32.7 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Encinitas
SBA loans in Encinitas (7(a))
- Approvals114
- Gross approval$62,137,900
- Average approval$545,069
- Median approval$200,000
- Ninetieth percentile approval$1,816,000
- Largest approval$5,000,000
- Jobs supported870
- Jobs per approval7.6
- Loans with a final outcome23
- Paid in full22
- Charged off1
- Charge-off rate over resolved loans4.3 percent
- Median term120 months
- Share on real estate terms of 20 years or more19.3 percent
- Share to franchises4.4 percent
- Distinct lenders38
- Distinct industries by NAICS68
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Encinitas
SBA loans in Encinitas (504)
- Approvals42
- Gross approval$37,928,000
- Average approval$903,048
- Median approval$736,000
- Largest approval$3,555,000
- Jobs supported384
- Loans with a final outcome10
- Charged off0
- Charge-off rate over resolved loans0.0 percent
- Median term240 months
- Distinct CDCs9
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Encinitas
Flood risk in Encinitas
- Listed NFIP communities1
- Of those, participating1
- NFIP community number060726
- 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 Encinitas
San Diego County context, not Encinitas 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 Encinitas 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 Encinitas. 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
Encinitas questions, answered from the record.
How many people live in Encinitas, California?
61,480, in 23,927 households. Encinitas city covers 19.06 square miles of land, which is 3,226 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Encinitas 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 Encinitas?
$162,229. The median owner-occupied home is valued at $1,646,800. Median gross rent is $2,886 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Encinitas businesses?
114 7(a) approvals totalling $62.1 m, across 38 lenders, median approval $200,000, plus 42 504 approvals worth $37.9 m. These count approvals to borrowers whose address is in Encinitas, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Encinitas borrowers get paid back?
Of the 23 loans that have reached a final outcome, 22 were paid in full and 1 charged off, a charge off rate of 4.3 percent. Loans still running are excluded because they have not yet succeeded or failed.
Is Encinitas in the National Flood Insurance Program?
Yes. Encinitas appears in the FEMA Community Status Book as community 060726, 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 Encinitas 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 Encinitas.
Is zoning published for Encinitas?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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