HomeFloridaBay CountyCallaway
Callaway, Florida: commercial real estate data.
Callaway is a Census city of 13,496 people across 9.41 square miles of land, in Bay County. Median household income is $65,609, 58.7 percent of occupied homes are owned, and the SBA record carries 2 7(a) approvals to borrowers here worth $30,000 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Callaway
What Callaway is
- Census place typecity
- Land area9.41 sq mi
- Water area0.12 sq mi
- Population per square mile of land1,434
- County holding the largest share of its areaBay 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.
Callaway
How many people live in Callaway
- Population13,496
- Median age35.2
- Population under 183,208
- Share under 1823.8 percent
- Population 65 and over1,609
- Share 65 and over11.9 percent
- Households5,486
- Family households3,291
- Share of households that are families60.0 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Callaway
Income and work in Callaway
- Median household income$65,609
- Per capita income$33,316
- Civilian labor force7,013
- Employed6,779
- Unemployed234 plus or minus 136
- Unemployment rate3.3 percent plus or minus 1.9
- Adults 25 and over8,895
- Adults 25 and over with a high school diploma or higher87.7 percent
- Adults 25 and over with a bachelor degree or higher24.6 percent
- Adults 25 and over with a graduate degree6.9 percent plus or minus 2.0
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Callaway
Housing in Callaway
- Housing units6,170
- Occupied units5,486
- Vacant units684 plus or minus 241
- Vacancy rate11.1 percent plus or minus 3.8
- Owner occupied3,218
- Renter occupied2,268
- Ownership rate58.7 percent
- Median owner-occupied home value$250,300
- Median gross rent, monthly$1,322
- Annual rent as a share of median income24.2 percent
- Single family units4,015
- Share single family65.1 percent
- Units in buildings of two or more1,523 plus or minus 401
- Share in buildings of two or more24.7 percent plus or minus 6.3
- Mobile homes632 plus or minus 228
- Median year structure built1991
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Callaway
How Callaway gets to work
- Workers 16 and over who commute6,549
- Commuting under 15 minutes1,367 plus or minus 322
- Share commuting under 15 minutes20.9 percent plus or minus 4.7
- Commuting 30 minutes or more2,328
- Share commuting 30 minutes or more35.5 percent
- Drove alone79.6 percent
- Carpooled10.7 percent plus or minus 3.8
- Public transport0.1 percent plus or minus 0.2
- Walked0.8 percent plus or minus 0.8
- Worked from home7.1 percent plus or minus 2.5
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Callaway
SBA loans in Callaway (7(a))
- Approvals2
- Gross approval$30,000
- Average approval$15,000
- Median approval$15,000
- Largest approval$25,000
- Jobs supported0
- Jobs per approval0.0
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises0.0 percent
- Distinct lenders1
- Distinct industries by NAICS2
Counted by borrower city: approvals to borrowers whose address is in Callaway, in any county, FY2020 to FY2026. Only 0 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.
Callaway
SBA loans in Callaway (504)
- Approvals1
- Gross approval$840,000
- Average approval$840,000
- Median approval$840,000
- Largest approval$840,000
- Jobs supported1
- Loans with a final outcome0
- Charged off0
- Median term300 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Callaway, in any county, FY2010 to FY2026. Only 0 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.
Callaway
Flood risk in Callaway
- NFIP communityCity of Callaway
- NFIP community number120005
- Participating in the NFIPYes
- Community Rating System classClass 7
- Currently effective map date10/24/24
The City of Callaway participates in the National Flood Insurance Program as community 120005 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.
Bay County, not Callaway
Bay County context, not Callaway figures
- Establishments in Bay County5,306
- Covered employment, Bay County82,632
- Average annual pay, Bay County$53,407
- Housing units permitted, Bay County2,473
Every figure in this section is published for Bay County as a whole and is not a measurement of Callaway.
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
Callaway questions, answered from the record.
How many people live in Callaway, Florida?
13,496, in 5,486 households. Callaway city covers 9.41 square miles of land, which is 1,434 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Callaway in?
Bay 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 Callaway?
$65,609. The median owner-occupied home is valued at $250,300. Median gross rent is $1,322 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Callaway businesses?
2 7(a) approvals totaling $30,000 since FY2020, across 1 lenders, median approval $15,000, plus 1 504 approvals worth $840,000 since FY2010. These count approvals to borrowers whose address is in Callaway, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Callaway borrowers get paid back?
No rate is published for Callaway. Only 0 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 Callaway in the National Flood Insurance Program?
Yes. Callaway appears in the FEMA Community Status Book as Callaway, city of, community 120005, 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 Callaway figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Bay 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 Callaway.
Is zoning published for Callaway?
No. Nothing on this page presents parcel level zoning.