HomeCaliforniaSan Luis Obispo CountyLos Osos CDP
Los Osos CDP, California: commercial real estate data.
Los Osos CDP is a Census CDP of 14,166 people across 12.76 square miles of land, in San Luis Obispo County. Median household income is $108,932, 72.9 percent of occupied homes are owned, and the SBA record carries 9 7(a) approvals to borrowers here worth $2.3 m.
76 sourced place values · tier FULL · 8 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Los Osos
What Los Osos is
- Census place typeCDP
- Land area12.76 sq mi
- Water area0.02 sq mi
- Population per square mile of land1,110
- 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.
Los Osos
How many people live in Los Osos
- Population14,166
- Median age48.6
- Population under 182,617
- Share under 1818.5 percent
- Population 65 and over4,107
- Share 65 and over29.0 percent
- Households5,994
- Family households3,842
- Share of households that are families64.1 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Los Osos
Income and work in Los Osos
- Median household income$108,932
- Per capita income$56,892
- Civilian labor force7,029
- Employed6,672
- Unemployed357 plus or minus 149
- Unemployment rate5.1 percent plus or minus 2.0
- Adults 25 and over10,641
- Adults 25 and over with a high school diploma or higher96.8 percent
- Adults 25 and over with a bachelor degree or higher53.7 percent
- Adults 25 and over with a graduate degree22.2 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Los Osos
Housing in Los Osos
- Housing units6,367
- Occupied units5,994
- Vacant units373 plus or minus 142
- Vacancy rate5.9 percent plus or minus 2.2
- Owner occupied4,372
- Renter occupied1,622 plus or minus 383
- Ownership rate72.9 percent
- Median owner-occupied home value$805,800
- Median gross rent, monthly$2,047
- Annual rent as a share of median income22.5 percent
- Single family units5,353
- Share single family84.1 percent
- Units in buildings of two or more618 plus or minus 190
- Share in buildings of two or more9.7 percent plus or minus 2.9
- Mobile homes396 plus or minus 113
- Median year structure built1976
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Los Osos
How Los Osos gets to work
- Workers 16 and over who commute5,521
- Commuting under 15 minutes1,670
- Share commuting under 15 minutes30.2 percent
- Commuting 30 minutes or more1,098 plus or minus 267
- Share commuting 30 minutes or more19.9 percent plus or minus 4.0
- Drove alone71.4 percent
- Carpooled5.6 percent plus or minus 2.2
- Public transport0.3 percent plus or minus 0.3
- Walked4.5 percent plus or minus 1.7
- Worked from home15.3 percent plus or minus 3.6
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Los Osos
SBA loans in Los Osos (7(a))
- Approvals9
- Gross approval$2,272,700
- Average approval$252,522
- Median approval$225,000
- Ninetieth percentile approval$755,000
- Largest approval$755,000
- Jobs supported84
- Jobs per approval9.3
- Loans with a final outcome2
- Paid in full2
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more22.2 percent
- Share to franchises11.1 percent
- Distinct lenders7
- Distinct industries by NAICS8
A charge-off rate is not published here. only 2 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.
Los Osos
SBA loans in Los Osos (504)
- Approvals4
- Gross approval$1,181,000
- Average approval$295,250
- Median approval$306,000
- Largest approval$495,000
- Jobs supported12
- Loans with a final outcome3
- Charged off0
- Median term240 months
- Distinct CDCs3
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
San Luis Obispo County, not Los Osos
San Luis Obispo County context, not Los Osos 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 Los Osos 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 Los Osos. 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
Los Osos questions, answered from the record.
How many people live in Los Osos, California?
14,166, in 5,994 households. Los Osos CDP covers 12.76 square miles of land, which is 1,110 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Los Osos 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 Los Osos?
$108,932. The median owner-occupied home is valued at $805,800. Median gross rent is $2,047 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Los Osos businesses?
9 7(a) approvals totalling $2.3 m, across 7 lenders, median approval $225,000, plus 4 504 approvals worth $1.2 m. These count approvals to borrowers whose address is in Los Osos, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Los Osos borrowers get paid back?
No rate is published for Los Osos. only 2 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 Los Osos 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 Los Osos.
Is zoning published for Los Osos?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.