HomeCaliforniaSan Luis Obispo CountyPismo Beach
Pismo Beach, California: commercial real estate data.
Pismo Beach is a Census city of 8,014 people across 3.50 square miles of land, in San Luis Obispo County. Median household income is $118,072, 64.6 percent of occupied homes are owned, and the SBA record carries 10 7(a) approvals to borrowers here worth $11.4 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Pismo Beach
What Pismo Beach is
- Census place typecity
- Land area3.5 sq mi
- Water area9.88 sq mi
- Population per square mile of land2,292
- 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.
Pismo Beach
How many people live in Pismo Beach
- Population8,014
- Median age55.1
- Population under 18939 plus or minus 232
- Share under 1811.7 percent plus or minus 2.9
- Population 65 and over2,621
- Share 65 and over32.7 percent
- Households4,129
- Family households2,240
- Share of households that are families54.3 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Pismo Beach
Income and work in Pismo Beach
- Median household income$118,072
- Per capita income$78,198
- Civilian labor force4,058
- Employed3,878
- Unemployed180 plus or minus 84
- Unemployment rate4.4 percent plus or minus 2.0
- Adults 25 and over6,861
- Adults 25 and over with a high school diploma or higher97.6 percent
- Adults 25 and over with a bachelor degree or higher51.7 percent
- Adults 25 and over with a graduate degree22.0 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Pismo Beach
Housing in Pismo Beach
- Housing units6,147
- Occupied units4,129
- Vacant units2,018
- Vacancy rate32.8 percent
- Owner occupied2,669
- Renter occupied1,460
- Ownership rate64.6 percent
- Median owner-occupied home value$1,021,300
- Median gross rent, monthly$2,232
- Annual rent as a share of median income22.7 percent
- Single family units3,911
- Share single family63.6 percent
- Units in buildings of two or more1,467 plus or minus 356
- Share in buildings of two or more23.9 percent plus or minus 5.7
- Mobile homes760 plus or minus 160
- Median year structure built1986
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Pismo Beach
How Pismo Beach gets to work
- Workers 16 and over who commute3,145
- Commuting under 15 minutes913 plus or minus 222
- Share commuting under 15 minutes29.0 percent plus or minus 5.8
- Commuting 30 minutes or more612 plus or minus 173
- Share commuting 30 minutes or more19.5 percent plus or minus 4.8
- Drove alone72.4 percent
- Carpooled6.9 percent plus or minus 4.3
- Public transport0.0 percent
- Walked2.1 percent plus or minus 2.0
- Worked from home16.7 percent plus or minus 4.8
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Pismo Beach
SBA loans in Pismo Beach (7(a))
- Approvals10
- Gross approval$11,394,200
- Average approval$1,139,420
- Median approval$620,600
- Largest approval$5,000,000
- Jobs supported139
- Jobs per approval13.9
- Loans with a final outcome3
- Paid in full3
- Charged off0
- Median term122 months
- Share on real estate terms of 20 years or more30.0 percent
- Share to franchises30.0 percent
- Distinct lenders10
- Distinct industries by NAICS8
Counted by borrower city: approvals to borrowers whose address is in Pismo Beach, in any county, FY2020 to FY2026. Only 3 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.
Pismo Beach
SBA loans in Pismo Beach (504)
- Approvals7
- Gross approval$3,581,000
- Average approval$511,571
- Median approval$390,000
- Largest approval$1,588,000
- Jobs supported61
- Loans with a final outcome1
- Charged off0
- Median term300 months
- Distinct CDCs3
Counted by borrower city: approvals to borrowers whose address is in Pismo Beach, in any county, FY2010 to FY2026. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Pismo Beach
Flood risk in Pismo Beach
- NFIP communityCity of Pismo Beach
- NFIP community number060309
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date06/06/24
The City of Pismo Beach participates in the National Flood Insurance Program as community 060309 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
San Luis Obispo County, not Pismo Beach
San Luis Obispo County context, not Pismo Beach figures
- Establishments in San Luis Obispo County8,962
- Covered employment, San Luis Obispo County121,958
- Average annual pay, San Luis Obispo County$61,334
- Housing units permitted, San Luis Obispo County1,104
Every figure in this section is published for San Luis Obispo County as a whole and is not a measurement of Pismo Beach.
All San Luis Obispo 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
Pismo Beach questions, answered from the record.
How many people live in Pismo Beach, California?
8,014, in 4,129 households. Pismo Beach city covers 3.50 square miles of land, which is 2,292 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Pismo Beach 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 Pismo Beach?
$118,072. The median owner-occupied home is valued at $1,021,300. Median gross rent is $2,232 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Pismo Beach businesses?
10 7(a) approvals totaling $11.4 m since FY2020, across 10 lenders, median approval $620,600, plus 7 504 approvals worth $3.6 m since FY2010. These count approvals to borrowers whose address is in Pismo Beach, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Pismo Beach borrowers get paid back?
No rate is published for Pismo Beach. Only 3 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 Pismo Beach in the National Flood Insurance Program?
Yes. Pismo Beach appears in the FEMA Community Status Book as Pismo Beach, city of, community 060309, 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 Pismo Beach figures?
No, and they are labeled 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 Pismo Beach.
Is zoning published for Pismo Beach?
No. Nothing on this page presents parcel level zoning.