HomeCaliforniaSan Diego CountyOceanside city
Oceanside city, California: commercial real estate data.
Oceanside city 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.
83 sourced place values · tier FULL · 9 sections · 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
- Charge-off rate over resolved loans12.0 percent
- 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
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
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Oceanside
Flood risk in Oceanside
- Listed NFIP communities1
- Of those, participating1
- Best Community Rating System classClass 8
- NFIP community number060294
- Currently effective map date03/03/26
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
San Diego County, not Oceanside
San Diego County context, not Oceanside 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 Oceanside 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 Oceanside. 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
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 totalling $133.2 m, across 59 lenders, median approval $202,500, plus 111 504 approvals worth $93.5 m. 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?
Of the 25 loans that have reached a final outcome, 22 were paid in full and 3 charged off, a charge off rate of 12.0 percent. Loans still running are excluded because they have not yet succeeded or failed.
Is Oceanside in the National Flood Insurance Program?
Yes. Oceanside appears in the FEMA Community Status Book as community 060294, carrying Community Rating System class 8, which is a premium discount for exceeding the programme 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 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 Oceanside.
Is zoning published for Oceanside?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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