Baker County, Florida: commercial real estate data.
Baker County, Florida had an estimated 29,325 residents on July 1, 2024, up 3.8 percent since the 2020 census base of 28,264, across 585 square miles. County output reached $1.05 bn in 2024, 461 establishments operate here, and the SBA record carries 13 7(a) approvals worth $8.0 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Baker County
How many people live in Baker County
- Population, American Community Survey 2020-202428,430
- Households9,165
- Average household size3.10
- Median household income$79,836
- Median age38.1
- Median gross rent$1,302 per month
- Median owner-occupied home value$256,700
- Home value to household income3.2 times
- Annual rent as a share of median income19.6 percent
- Adults 25 and over with a bachelor degree or higher17.8 percent
- Adults 25 and over with a graduate degree6.1 percent
- Adults 25 and over19,020
- Population under 186,895
- Share under 1824.3 percent
- Population 65 and over4,335
- Share 65 and over15.2 percent
- Working age population, 18 to 6417,200
- Civilian labor force12,723
- Unemployment rate4.5 percent
- Labor force participation, adults 18 and over59.1 percent
- Rank by population among Florida counties50th of 67
- Rank by population among US county-equivalents, Puerto Rico included1527th of 3,222
Baker County is the 50th largest of 67 Florida counties by population. A median home costs 3.2 times median household income, which is moderately unaffordable by national standards. Residents under 18 outnumber those 65 and over, at 24.3 percent against 15.2 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Baker County
Is Baker County's population growing?
- Population, July 1, 202429,325
- Census 2020 base population28,264
- Population change since the 2020 census base3.75 percent
- Population change, 2023 to 2024783
- Births, 2024368
- Deaths, 2024334
- Natural change, 202434
- Net domestic migration, 2024709
- Net international migration, 202441
- Total net migration, 2024750
- Cumulative net domestic migration, 2021 to 2024941
- Rank by growth among US county-equivalents736th of 3,144
The county has grown 3.75 percent since the 2020 census base. The population grew in 2024 from both sources: births exceeded deaths and more people moved in than left.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Baker County
Where are people moving to Baker County from?
- Tax returns filed by households arriving771
- People arriving, from those returns1,530
- Tax returns filed by households leaving646
- Net household movement125
- Adjusted gross income arriving$42.0 m
- Net adjusted gross income movement$14.1 m
- Average income of an arriving household$54,446
- Average income of a leaving household$43,149
- Largest single originDuval County (306 households)
- Largest single destinationDuval County (204 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Duval County | 306 | 626 | $17.6 m |
| Clay County | 79 | 173 | $4.2 m |
| Nassau County | 30 | 55 | $1.8 m |
| Columbia County | 26 | 47 | $750,000 |
| St. Johns County | 26 | 57 | $2.4 m |
| Bradford County | 20 | 37 | $743,000 |
Households arriving report $11,297 more average income than households leaving, so the migration is raising local spending power rather than just moving it around. The largest single source of arrivals is Duval County, which is the catchment a retail or multifamily study should look at first.
US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Baker County
What is the Baker County economy?
- County GDP, 2024$1.05 bn
- County GDP, 2023$951.7 m
- GDP change, 2023 to 202410.7 percent
- GDP change over five years36.7 percent
- Rank by GDP among the Florida areas BEA publishes51st of 67
- Rank by GDP among the US county areas BEA publishes1806th of 3,127
- GDP per resident$37,061
Output grew 10.7 percent in the latest year and 36.7 percent over five, which is the trend line a lender will read behind any single year figure.
US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024.
Baker County
Employment by industry in Baker County
- Covered employment, annual average7,548
- Establishments reporting522
- Average annual pay$44,619
- Average weekly wage$858
- Transportation and warehousing, employment1,169
- Transportation and warehousing, average annual pay$44,224
- Retail trade, employment1,124
- Retail trade, average annual pay$36,385
- Health care and social assistance, employment872
- Health care and social assistance, average annual pay$48,566
- Accommodation and food services, employment633
- Accommodation and food services, average annual pay$22,808
- Construction, employment487
- Other services, except public administration, employment161
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Transportation and warehousing | 1,169 | 27 | $44,224 |
| Retail trade | 1,124 | 77 | $36,385 |
| Health care and social assistance | 872 | 59 | $48,566 |
| Accommodation and food services | 633 | 44 | $22,808 |
| Construction | 487 | 83 | $52,524 |
| Other services, except public administration | 161 | 54 | $36,651 |
| Wholesale trade | 150 | 15 | $67,268 |
| Finance and insurance | 136 | 23 | $53,004 |
Transportation and warehousing is the largest private sector at 1,169 jobs, 15.5 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Baker County
How many businesses are in Baker County?
- Establishments, all industries461
- Employment at those establishments6,203
- Annual payroll$280.4 m
- Establishments per 1,000 residents16.2
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against. County Business Patterns counts private establishments with paid employees in March 2023, while the Quarterly Census of Employment and Wages above counts every unemployment-insured employer, public ones included, as a 2024 annual average, so the two establishment and employment counts differ.
US Census Bureau, County Business Patterns, 2023.
Baker County
Building permits in Baker County
- Housing units authorized by permit, 202499
- Declared construction value permitted$24.1 m
- Single family units authorized99
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$243,499
- Units authorized per 1,000 households10.8
Single-family homes are 100.0 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Baker County
SBA loans in Baker County (7(a) and 504)
- 7(a) approvals recorded13
- 7(a) gross approval dollars$8.0 m
- Average 7(a) approval$614,508
- Median 7(a) approval$284,400
- Largest single approval$2,945,000
- Jobs reported supported, 7(a)85
- Jobs per approval6.5
- Distinct 7(a) lenders active8
- Distinct industries receiving approvals13
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer30.8 percent
- Loans on real estate terms4
- Loans on working capital terms, 120 months or shorter7
- Franchise loans1
- Franchise share of approvals7.7 percent
- Most active lenderFirst Federal Bank (6)
- 504 approvals recorded7
- 504 gross approval dollars$1.3 m
- Average 504 approval$188,000
- Median 504 approval$154,000
- Distinct CDCs active3
- 504 jobs per approval6.6
- 504 jobs per million dollars approved35.0
- Most active CDCFlorida First Capital Finance Corporation, Inc. (4)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$9.3 m
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30. US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Baker County
SBA loan default and charge-off rates in Baker County
Do SBA loans in Baker County get paid back?
- Loans with a final outcome recorded0
- Paid in full0
- Charged off0
- Status: Exempt from disclosure8
- Status: Cancelled4
- Status: Committed, not yet disbursed1
Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
Compare against the national and state SBA charge-off rates, computed the same way over resolved loans only.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Baker County
SBA lending by place in Baker County
- Borrower cities with recorded lending3
- Macclenny, approvals8
- Glen St. Mary, approvals3
- Sanderson, approvals2
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Macclenny | 8 | $6,872,200 |
| Glen St. Mary | 3 | $771,900 |
| Sanderson | 2 | $344,500 |
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Baker County
How large is Baker County?
- Land area585 sq mi
- Rank by land area among Florida counties46th of 67
- Width, east to west24.5 mi
- Height, north to south30.9 mi
- Geographies sharing a boundary9
- Residents per square mile of land49
- Establishments per square mile0.79
US Census Bureau county boundary geometry, TIGER, adjacency computed from shared boundary vertices, TIGER county boundaries. US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year. US Census Bureau, County Business Patterns, 2023.
Baker County
Flood risk in Baker County
- Participation of the county's own NFIP community Baker County, unincorporated areasParticipating, community 120419
- Community Rating System class of the county's own communityClass 10
- Communities in the county in the NFIP Community Status Book2
- Of those, participating in the NFIP2
- NFIP participation rate100.0 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 10
- Communities carrying a CRS class1
- Radon levels in Baker County, EPA zone predicted average indoor radon screening level less than 2 pCi/LZone 3
The county's own community in the status book, unincorporated Baker County (community 120419), participates in the National Flood Insurance Program and carries Community Rating System class 10, a flood insurance premium discount for policies written there. The EPA places Baker County in radon zone 3, a predicted average indoor radon screening level less than 2 pCi/L. The zone is a screening prediction for the county and does not substitute for a test at an address. The best Community Rating System class among the county's communities is 10, which carries a flood insurance premium discount for policies written in that community. 100.0 percent of the county's listed communities participate in the National Flood Insurance Program, per Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26. US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Coverage
What this page does not hold.
Traffic counts, 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 →
Feasibility studies
When a Baker County site needs a document a lender will accept.
The same data layer behind this page is the one the studies are written from. A study for a Baker County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202428,430
- Households9,165
- Average household size3.10
- Median household income$79,836
- Median age38.1
Common questions
Baker County questions, answered from the record.
How many people live in Baker County, Florida?
The Census Bureau estimates 29,325 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 28,430, in 9,165 households, ranking 50th of 67 Florida counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Baker County's population growing?
The population has grown 3.75 percent since the 2020 census base of 28,264, to 29,325 on July 1, 2024. In 2024 there were 368 births against 334 deaths, with net migration of 750. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Baker County?
$79,836. The median owner-occupied home is valued at $256,700, which is 3.2 times income, and median gross rent is $1,302 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Baker County?
461 establishments, employing 6,203 people with an annual payroll of $280.4 m. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is employment by industry in Baker County?
Transportation and warehousing is the largest private sector at 1,169 jobs, 15.5 percent of covered employment. Covered employment averages 7,548 jobs at an average annual pay of $44,619, or $858 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Baker County?
13 7(a) approvals totaling $8.0 m since FY2020, across 8 lenders, with a median approval of $284,400, plus 7 504 approvals worth $1.3 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Baker County?
99 housing units were authorized by permit in 2024, with a declared construction value of $24.1 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Baker County?
Zone 3, a predicted average indoor radon screening level less than 2 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Baker County come from?
The largest single origin is Duval County, with 306 households. Arriving households report an average income of $54,446 against $43,149 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Baker County on this page?
No. Annual average daily traffic resolves in the platform rather than in this dataset, so no AADT figure is printed here. It is a gap we know about rather than a figure we estimated.
Is zoning published for Baker County?
No. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame, to be confirmed locally.
Baker County
Cities and places in Baker.
2 Census places lie wholly or partly in Baker County. All 2 carry enough published place level data for a page of their own and are linked.
| Place | Type | Population | SBA 7(a) approvals, projects in this county | Lies in |
|---|---|---|---|---|
| Macclenny | city | 7,748 | 8 | Wholly in this county |
| Glen St. Mary | town | 612 | 3 | Wholly in this county |
A further 2 of the county's 13 SBA 7(a) approvals are to borrowers in cities that match no Census place in Baker County, the largest being Sanderson (2). Those are postal cities, unincorporated areas and cities outside the county, so no place row claims them; they are counted in the county total above.