HomeCaliforniaSan Mateo CountySan Carlos
San Carlos, California: commercial real estate data.
San Carlos 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 since FY2020.
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$2,199,000
- Largest approval$4,500,000
- Jobs supported480
- Jobs per approval8.1
- Loans with a final outcome15
- Paid in full15
- Charged off0
- 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
Counted by borrower city: approvals to borrowers whose address is in San Carlos, in any county, FY2020 to FY2026. Only 15 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.
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
Counted by borrower city: approvals to borrowers whose address is in San Carlos, in any county, FY2010 to FY2026. Only 9 loans have 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.
San Carlos
Flood risk in San Carlos
- NFIP communityCity of San Carlos
- NFIP community number060327
- Participating in the NFIPYes
- Community Rating System classClass 9
- Currently effective map date04/05/19
The City of San Carlos participates in the National Flood Insurance Program as community 060327 and carries Community Rating System class 9, a flood insurance premium discount for policies written there.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
San Mateo County, not San Carlos
San Mateo County context, not San Carlos figures
- Establishments in San Mateo County21,569
- Covered employment, San Mateo County416,422
- Average annual pay, San Mateo County$196,441
- Housing units permitted, San Mateo County1,088
Every figure in this section is published for San Mateo County as a whole and is not a measurement of San Carlos.
All San Mateo 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
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 totaling $51.7 m since FY2020, across 29 lenders, median approval $500,000, plus 33 504 approvals worth $27.8 m since FY2010. 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?
No rate is published for San Carlos. Only 15 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 San Carlos in the National Flood Insurance Program?
Yes. San Carlos appears in the FEMA Community Status Book as San Carlos, city of, community 060327, carrying Community Rating System class 9, which is a premium discount for exceeding the program 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 labeled 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?
No. Nothing on this page presents parcel level zoning.