HomeCaliforniaSanta Clara CountyGilroy
Gilroy, California: commercial real estate data.
Gilroy 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 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
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 loans in Gilroy (7(a))
- Approvals59
- Gross approval$33,009,700
- Average approval$559,486
- Median approval$200,000
- Ninetieth percentile approval$1,440,200
- 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
Counted by borrower city: approvals to borrowers whose address is in Gilroy, in any county, FY2020 to FY2026. Only 7 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.
Gilroy
SBA loans in Gilroy (504)
- 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
- Median term240 months
- Distinct CDCs8
Counted by borrower city: approvals to borrowers whose address is in Gilroy, in any county, FY2010 to FY2026. Only 11 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.
Gilroy
Flood risk in Gilroy
- NFIP communityCity of Gilroy
- NFIP community number060340
- Participating in the NFIPYes
- Community Rating System classClass 7
- Currently effective map date05/18/09
The City of Gilroy participates in the National Flood Insurance Program as community 060340 and carries Community Rating System class 7, a flood insurance premium discount for policies written there.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Santa Clara County, not Gilroy
Santa Clara County context, not Gilroy figures
- Establishments in Santa Clara County49,154
- Covered employment, Santa Clara County1,116,581
- Average annual pay, Santa Clara County$197,043
- Housing units permitted, Santa Clara County3,834
Every figure in this section is published for Santa Clara County as a whole and is not a measurement of Gilroy.
All Santa Clara 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
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 totaling $33.0 m since FY2020, across 30 lenders, median approval $200,000, plus 39 504 approvals worth $42.7 m since FY2010. 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 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 Gilroy in the National Flood Insurance Program?
Yes. Gilroy appears in the FEMA Community Status Book as Gilroy, city of, community 060340, carrying Community Rating System class 7, 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 Gilroy figures?
No, and they are labeled 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?
No. Nothing on this page presents parcel level zoning.
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