HomeCaliforniaSan Luis Obispo CountyCayucos CDP
Cayucos CDP, California: commercial real estate data.
Cayucos CDP is a Census CDP of 2,427 people across 3.10 square miles of land, in San Luis Obispo County. Median household income is $87,235, 60.4 percent of occupied homes are owned, and the SBA record carries 3 7(a) approvals to borrowers here worth $1.1 m.
76 sourced place values · tier FULL · 8 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Cayucos
What Cayucos is
- Census place typeCDP
- Land area3.1 sq mi
- Water area0.93 sq mi
- Population per square mile of land783
- County holding the largest share of its areaSan Luis Obispo 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.
Cayucos
How many people live in Cayucos
- Population2,427
- Median age59.4
- Population under 18207 plus or minus 118
- Share under 188.5 percent plus or minus 4.7
- Population 65 and over858 plus or minus 191
- Share 65 and over35.4 percent
- Households1,293
- Family households748 plus or minus 182
- Share of households that are families57.8 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cayucos
Income and work in Cayucos
- Median household income$87,235
- Per capita income$57,403
- Civilian labor force1,221 plus or minus 331
- Employed1,204 plus or minus 327
- Unemployed17 plus or minus 28
- Unemployment rate1.4 percent plus or minus 2.3
- Adults 25 and over2,083
- Adults 25 and over with a high school diploma or higher96.7 percent
- Adults 25 and over with a bachelor degree or higher44.7 percent
- Adults 25 and over with a graduate degree14.2 percent plus or minus 3.8
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cayucos
Housing in Cayucos
- Housing units2,413
- Occupied units1,293
- Vacant units1,120 plus or minus 232
- Vacancy rate46.4 percent
- Owner occupied781 plus or minus 190
- Renter occupied512 plus or minus 161
- Ownership rate60.4 percent
- Median owner-occupied home value$1,011,900
- Median gross rent, monthly$1,571 plus or minus $325
- Annual rent as a share of median income21.6 percent plus or minus 6.0
- Single family units1,858
- Share single family77.0 percent
- Units in buildings of two or more483 plus or minus 184
- Share in buildings of two or more20.0 percent plus or minus 7.4
- Mobile homes72 plus or minus 58
- Median year structure built1973
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cayucos
How Cayucos gets to work
- Workers 16 and over who commute813 plus or minus 311
- Commuting under 15 minutes215 plus or minus 137
- Share commuting under 15 minutes26.4 percent plus or minus 13.5
- Commuting 30 minutes or more286 plus or minus 161
- Share commuting 30 minutes or more35.2 percent plus or minus 14.5
- Drove alone71.6 percent plus or minus 20.3
- Carpooled0.9 percent plus or minus 1.4
- Public transport0.0 percent
- Walked1.1 percent plus or minus 1.7
- Worked from home26.4 percent plus or minus 9.9
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cayucos
SBA loans in Cayucos (7(a))
- Approvals3
- Gross approval$1,100,000
- Average approval$366,667
- Median approval$450,000
- Ninetieth percentile approval$500,000
- Largest approval$500,000
- Jobs supported10
- Jobs per approval3.3
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises0.0 percent
- Distinct lenders3
- Distinct industries by NAICS3
A charge-off rate is not published here. only 0 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Cayucos
SBA loans in Cayucos (504)
- Approvals5
- Gross approval$3,631,000
- Average approval$726,200
- Median approval$804,000
- Largest approval$897,000
- Jobs supported55
- Loans with a final outcome0
- Charged off0
- Median term240 months
- Distinct CDCs4
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
San Luis Obispo County, not Cayucos
San Luis Obispo County context, not Cayucos figures
These are San Luis Obispo County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Cayucos measurements.
- Establishments in San Luis Obispo County8,962
- Employment at those establishments, San Luis Obispo County98,720
- Covered employment, San Luis Obispo County121,958
- Average annual pay, San Luis Obispo County$61,334
- Average weekly wage, San Luis Obispo County$1,179
- Housing units permitted, San Luis Obispo County1,104
- Of those, single family, San Luis Obispo County821
- County product, 2024, San Luis Obispo County$24,505,477,000
- County product change over the prior year, San Luis Obispo County6.3 percent
- Average income of an arriving household, San Luis Obispo County$103,982
Every figure in this section is published for San Luis Obispo County as a whole and is not a measurement of Cayucos. 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.
- This place is not listed as a community in the FEMA Community Status Book, so no NFIP participation or CRS class is shown.
- 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
Cayucos questions, answered from the record.
How many people live in Cayucos, California?
2,427, in 1,293 households. Cayucos CDP covers 3.10 square miles of land, which is 783 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Cayucos in?
San Luis Obispo 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 Cayucos?
$87,235. The median owner-occupied home is valued at $1,011,900. Median gross rent is $1,571 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Cayucos businesses?
3 7(a) approvals totalling $1.1 m, across 3 lenders, median approval $450,000, plus 5 504 approvals worth $3.6 m. These count approvals to borrowers whose address is in Cayucos, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Cayucos borrowers get paid back?
No rate is published for Cayucos. only 0 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Are the county figures on this page Cayucos figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for San Luis Obispo 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 Cayucos.
Is zoning published for Cayucos?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.