HomeCaliforniaSanta Clara CountyGilroy city
Gilroy city, California: commercial real estate data.
Gilroy city is a Census city of 59,004 people across 16.54 square miles of land, in Santa Clara County. Median household income is $133,107, 62.4 percent of occupied homes are owned, and the SBA record carries 59 7(a) approvals to borrowers here worth $33.0 m.
82 sourced place values · tier FULL · 9 sections
Gilroy
What Gilroy is
- Census place typecity
- Land area16.54 sq mi
- Water area0.01 sq mi
- Population per square mile of land3,568
- County holding the largest share of its areaSanta Clara 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.
Gilroy
How many people live in Gilroy
- Population59,004
- Median age37.0
- Population under 1815,818
- Share under 1826.8 percent
- Population 65 and over7,681
- Share 65 and over13.0 percent
- Households17,459
- Family households14,226
- Share of households that are families81.5 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gilroy
Income and work in Gilroy
- Median household income$133,107
- Per capita income$48,965
- Civilian labor force30,269
- Employed28,363
- Unemployed1,906
- Unemployment rate6.3 percent
- Adults 25 and over37,508
- Adults 25 and over with a high school diploma or higher83.4 percent
- Adults 25 and over with a bachelor degree or higher29.3 percent
- Adults 25 and over with a graduate degree10.3 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gilroy
Housing in Gilroy
- Housing units18,054
- Occupied units17,459
- Vacant units595 plus or minus 217
- Vacancy rate3.3 percent plus or minus 1.2
- Owner occupied10,889
- Renter occupied6,570
- Ownership rate62.4 percent
- Median owner-occupied home value$1,027,400
- Median gross rent, monthly$2,301
- Annual rent as a share of median income20.7 percent
- Single family units13,808
- Share single family76.5 percent
- Units in buildings of two or more3,878
- Share in buildings of two or more21.5 percent
- Mobile homes320 plus or minus 124
- Median year structure built1989
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gilroy
How Gilroy gets to work
- Workers 16 and over who commute23,667
- Commuting under 15 minutes6,382
- Share commuting under 15 minutes27.0 percent
- Commuting 30 minutes or more12,193
- Share commuting 30 minutes or more51.5 percent
- Drove alone70.5 percent
- Carpooled13.6 percent
- Public transport1.0 percent plus or minus 0.4
- Walked1.5 percent plus or minus 0.6
- Worked from home12.8 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gilroy
SBA 7(a) lending to Gilroy borrowers
- Approvals59
- Gross approval$33,009,700
- Average approval$559,486
- Median approval$200,000
- Ninetieth percentile approval$1,591,000
- Largest approval$5,000,000
- Jobs supported437
- Jobs per approval7.4
- Loans with a final outcome7
- Paid in full7
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more16.9 percent
- Share to franchises6.8 percent
- Distinct lenders30
- Distinct industries by NAICS44
A charge-off rate is not published here. only 7 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.
Gilroy
SBA 504 lending to Gilroy borrowers
- Approvals39
- Gross approval$42,720,000
- Average approval$1,095,385
- Median approval$697,000
- Largest approval$3,945,000
- Jobs supported617
- Loans with a final outcome11
- Charged off0
- Charge-off rate over resolved loans0.0 percent
- Median term240 months
- Distinct CDCs8
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Gilroy
Flood programme status in Gilroy
- Listed NFIP communities1
- Of those, participating1
- Best Community Rating System classClass 7
- NFIP community number060340
- Currently effective map date05/18/09
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
Santa Clara County, not Gilroy
Santa Clara County context, not Gilroy figures
These are Santa Clara County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Gilroy measurements.
- Establishments in Santa Clara County49,154
- Employment at those establishments, Santa Clara County1,171,397
- Covered employment, Santa Clara County1,116,581
- Average annual pay, Santa Clara County$197,043
- Average weekly wage, Santa Clara County$3,789
- Housing units permitted, Santa Clara County3,834
- Of those, single family, Santa Clara County1,926
- County product, 2024, Santa Clara County$438,483,301,000
- County product change over the prior year, Santa Clara County8.4 percent
- Average income of an arriving household, Santa Clara County$183,973
Every figure in this section is published for Santa Clara County as a whole and is not a measurement of Gilroy. 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
Gilroy questions, answered from the record.
How many people live in Gilroy, California?
59,004, in 17,459 households. Gilroy city covers 16.54 square miles of land, which is 3,568 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Gilroy in?
Santa Clara 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 Gilroy?
$133,107. The median owner-occupied home is valued at $1,027,400. Median gross rent is $2,301 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Gilroy businesses?
59 7(a) approvals totalling $33.0 m, across 30 lenders, median approval $200,000, plus 39 504 approvals worth $42.7 m. These count approvals to borrowers whose address is in Gilroy, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Gilroy borrowers get paid back?
No rate is published for Gilroy. only 7 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.
Is Gilroy in the National Flood Insurance Program?
Yes. Gilroy appears in the FEMA Community Status Book as community 060340, carrying Community Rating System class 7, 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 Gilroy figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Santa Clara 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 Gilroy.
Is zoning published for Gilroy?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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