HomeCaliforniaSan Mateo CountySan Carlos city
San Carlos city, California: commercial real estate data.
San Carlos city is a Census city of 29,614 people across 5.41 square miles of land, in San Mateo County. Median household income is $237,470, 67.8 percent of occupied homes are owned, and the SBA record carries 59 7(a) approvals to borrowers here worth $51.7 m.
82 sourced place values · tier FULL · 9 sections · underlined figures are computed by MMCG Analytics, not published by the agency
San Carlos
What San Carlos is
- Census place typecity
- Land area5.41 sq mi
- Water area0 sq mi
- Population per square mile of land5,472
- County holding the largest share of its areaSan Mateo 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.
San Carlos
How many people live in San Carlos
- Population29,614
- Median age41.7
- Population under 186,920
- Share under 1823.4 percent
- Population 65 and over4,894
- Share 65 and over16.5 percent
- Households11,001
- Family households8,262
- Share of households that are families75.1 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
San Carlos
Income and work in San Carlos
- Median household income$237,470
- Per capita income$127,894
- Civilian labor force16,534
- Employed15,701
- Unemployed833 plus or minus 214
- Unemployment rate5.0 percent plus or minus 1.3
- Adults 25 and over20,918
- Adults 25 and over with a high school diploma or higher97.0 percent
- Adults 25 and over with a bachelor degree or higher70.2 percent
- Adults 25 and over with a graduate degree37.6 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
San Carlos
Housing in San Carlos
- Housing units11,627
- Occupied units11,001
- Vacant units626 plus or minus 243
- Vacancy rate5.4 percent plus or minus 2.1
- Owner occupied7,464
- Renter occupied3,537
- Ownership rate67.8 percent
- Median owner-occupied home value$2,000,001
- Median gross rent, monthly$2,854
- Annual rent as a share of median income14.4 percent
- Single family units8,280
- Share single family71.2 percent
- Units in buildings of two or more3,347
- Share in buildings of two or more28.8 percent
- Mobile homes0
- Median year structure built1962
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
San Carlos
How San Carlos gets to work
- Workers 16 and over who commute10,105
- Commuting under 15 minutes2,532
- Share commuting under 15 minutes25.1 percent
- Commuting 30 minutes or more3,675
- Share commuting 30 minutes or more36.4 percent
- Drove alone52.3 percent
- Carpooled4.2 percent plus or minus 1.0
- Public transport3.2 percent plus or minus 0.9
- Walked1.2 percent plus or minus 0.7
- Worked from home35.0 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
San Carlos
SBA loans in San Carlos (7(a))
- Approvals59
- Gross approval$51,712,500
- Average approval$876,483
- Median approval$500,000
- Ninetieth percentile approval$2,295,000
- Largest approval$4,500,000
- Jobs supported480
- Jobs per approval8.1
- Loans with a final outcome15
- Paid in full15
- Charged off0
- Charge-off rate over resolved loans0.0 percent
- Median term120 months
- Share on real estate terms of 20 years or more25.4 percent
- Share to franchises6.8 percent
- Distinct lenders29
- Distinct industries by NAICS41
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
San Carlos
SBA loans in San Carlos (504)
- Approvals33
- Gross approval$27,754,000
- Average approval$841,030
- Median approval$656,000
- Largest approval$2,659,000
- Jobs supported212
- Loans with a final outcome9
- Charged off0
- Median term300 months
- Distinct CDCs8
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
San Carlos
Flood risk in San Carlos
- Listed NFIP communities1
- Of those, participating1
- Best Community Rating System classClass 9
- NFIP community number060327
- Currently effective map date04/05/19
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
San Mateo County, not San Carlos
San Mateo County context, not San Carlos figures
These are San Mateo County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as San Carlos measurements.
- Establishments in San Mateo County21,569
- Employment at those establishments, San Mateo County477,938
- Covered employment, San Mateo County416,422
- Average annual pay, San Mateo County$196,441
- Average weekly wage, San Mateo County$3,778
- Housing units permitted, San Mateo County1,088
- Of those, single family, San Mateo County521
- County product, 2024, San Mateo County$217,017,754,000
- County product change over the prior year, San Mateo County11.1 percent
- Average income of an arriving household, San Mateo County$211,636
Every figure in this section is published for San Mateo County as a whole and is not a measurement of San Carlos. 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
San Carlos questions, answered from the record.
How many people live in San Carlos, California?
29,614, in 11,001 households. San Carlos city covers 5.41 square miles of land, which is 5,472 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is San Carlos in?
San Mateo 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 San Carlos?
$237,470. The median owner-occupied home is valued at $2,000,001. Median gross rent is $2,854 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to San Carlos businesses?
59 7(a) approvals totalling $51.7 m, across 29 lenders, median approval $500,000, plus 33 504 approvals worth $27.8 m. These count approvals to borrowers whose address is in San Carlos, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to San Carlos borrowers get paid back?
Of the 15 loans that have reached a final outcome, 15 were paid in full and 0 charged off, a charge off rate of 0.0 percent. Loans still running are excluded because they have not yet succeeded or failed.
Is San Carlos in the National Flood Insurance Program?
Yes. San Carlos appears in the FEMA Community Status Book as community 060327, carrying Community Rating System class 9, 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 San Carlos figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for San Mateo 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 San Carlos.
Is zoning published for San Carlos?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.