HomeCaliforniaSan Diego CountyOceanside
Oceanside, California: commercial real estate data.
Oceanside is a Census city of 172,242 people across 41.27 square miles of land, in San Diego County. Median household income is $97,737, 58.3 percent of occupied homes are owned, and the SBA record carries 225 7(a) approvals to borrowers here worth $133.2 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Oceanside
What Oceanside is
- Census place typecity
- Land area41.27 sq mi
- Water area0.89 sq mi
- Population per square mile of land4,174
- 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.
Oceanside
How many people live in Oceanside
- Population172,242
- Median age38.9
- Population under 1834,802
- Share under 1820.2 percent
- Population 65 and over29,219
- Share 65 and over17.0 percent
- Households61,947
- Family households41,709
- Share of households that are families67.3 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Oceanside
Income and work in Oceanside
- Median household income$97,737
- Per capita income$44,943
- Civilian labor force90,060
- Employed85,294
- Unemployed4,766
- Unemployment rate5.3 percent
- Adults 25 and over122,532
- Adults 25 and over with a high school diploma or higher86.7 percent
- Adults 25 and over with a bachelor degree or higher36.2 percent
- Adults 25 and over with a graduate degree12.9 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Oceanside
Housing in Oceanside
- Housing units66,997
- Occupied units61,947
- Vacant units5,050
- Vacancy rate7.5 percent
- Owner occupied36,141
- Renter occupied25,806
- Ownership rate58.3 percent
- Median owner-occupied home value$770,300
- Median gross rent, monthly$2,303
- Annual rent as a share of median income28.3 percent
- Single family units42,700
- Share single family63.7 percent
- Units in buildings of two or more21,326
- Share in buildings of two or more31.8 percent
- Mobile homes2,956
- Median year structure built1984
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Oceanside
How Oceanside gets to work
- Workers 16 and over who commute72,787
- Commuting under 15 minutes11,923
- Share commuting under 15 minutes16.4 percent
- Commuting 30 minutes or more30,730
- Share commuting 30 minutes or more42.2 percent
- Drove alone70.3 percent
- Carpooled7.7 percent
- Public transport1.8 percent
- Walked1.4 percent plus or minus 0.3
- Worked from home16.0 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Oceanside
SBA loans in Oceanside (7(a))
- Approvals225
- Gross approval$133,240,000
- Average approval$592,178
- Median approval$202,500
- Ninetieth percentile approval$1,500,000
- Largest approval$5,000,000
- Jobs supported2,972
- Jobs per approval13.2
- Loans with a final outcome25
- Paid in full22
- Charged off3
- Median term120 months
- Share on real estate terms of 20 years or more16.0 percent
- Share to franchises12.9 percent
- Distinct lenders59
- Distinct industries by NAICS119
Counted by borrower city: approvals to borrowers whose address is in Oceanside, in any county, FY2020 to FY2026. Only 25 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.
Oceanside
SBA loans in Oceanside (504)
- Approvals111
- Gross approval$93,481,000
- Average approval$842,171
- Median approval$496,000
- Largest approval$5,000,000
- Jobs supported1,214
- Loans with a final outcome44
- Charged off0
- Charge-off rate over resolved loans0.0 percent
- Median term240 months
- Distinct CDCs12
Counted by borrower city: approvals to borrowers whose address is in Oceanside, in any county, FY2010 to FY2026.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Oceanside
Flood risk in Oceanside
- NFIP communityCity of Oceanside
- NFIP community number060294
- Participating in the NFIPYes
- Community Rating System classClass 8
- Currently effective map date03/03/26
The City of Oceanside participates in the National Flood Insurance Program as community 060294 and carries Community Rating System class 8, a flood insurance premium discount for policies written there.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
San Diego County, not Oceanside
San Diego County context, not Oceanside 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 Oceanside.
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
Oceanside questions, answered from the record.
How many people live in Oceanside, California?
172,242, in 61,947 households. Oceanside city covers 41.27 square miles of land, which is 4,174 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Oceanside 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 Oceanside?
$97,737. The median owner-occupied home is valued at $770,300. Median gross rent is $2,303 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Oceanside businesses?
225 7(a) approvals totaling $133.2 m since FY2020, across 59 lenders, median approval $202,500, plus 111 504 approvals worth $93.5 m since FY2010. These count approvals to borrowers whose address is in Oceanside, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Oceanside borrowers get paid back?
No rate is published for Oceanside. Only 25 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 Oceanside in the National Flood Insurance Program?
Yes. Oceanside appears in the FEMA Community Status Book as Oceanside, city of, community 060294, carrying Community Rating System class 8, which is a premium discount for exceeding the program minimum. 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 Oceanside 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 Oceanside.
Is zoning published for Oceanside?
No. Nothing on this page presents parcel level zoning.
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