Bradford County, Florida: commercial real estate data.
Bradford County, Florida had an estimated 28,075 residents on July 1, 2024, down 0.8 percent since the 2020 census base of 28,305, across 294 square miles. County output reached $975.7 m in 2024, 460 establishments operate here, and the SBA record carries 14 7(a) approvals worth $10.1 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Bradford County
How many people live in Bradford County
- Population, American Community Survey 2020-202427,885
- Households9,278
- Average household size3.01
- Median household income$63,050
- Median age40.2
- Median gross rent$863 per month
- Median owner-occupied home value$212,500
- Home value to household income3.4 times
- Annual rent as a share of median income16.4 percent
- Adults 25 and over with a bachelor degree or higher15.2 percent
- Adults 25 and over with a graduate degree4.3 percent
- Adults 25 and over20,118
- Population under 185,715
- Share under 1820.5 percent
- Population 65 and over5,068
- Share 65 and over18.2 percent
- Working age population, 18 to 6417,102
- Civilian labor force11,144
- Unemployment rate4.7 percent
- Labor force participation, adults 18 and over50.3 percent
- Rank by population among Florida counties51st of 67
- Rank by population among US county-equivalents, Puerto Rico included1547th of 3,222
Bradford County is the 51st largest of 67 Florida counties by population. A median home costs 3.4 times median household income, which is moderately unaffordable by national standards. Residents under 18 outnumber those 65 and over, at 20.5 percent against 18.2 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Bradford County
Is Bradford County's population growing?
- Population, July 1, 202428,075
- Census 2020 base population28,305
- Population change since the 2020 census base-0.81 percent
- Population change, 2023 to 2024287
- Births, 2024292
- Deaths, 2024353
- Natural change, 2024-61
- Net domestic migration, 2024345
- Net international migration, 20243
- Total net migration, 2024348
- Cumulative net domestic migration, 2021 to 202487
- Rank by growth among US county-equivalents2121st of 3,144
The county has lost 0.81 percent of its population since the 2020 census base. Deaths exceeded births in 2024 and the population still grew, so all of the growth came from people moving in. A market held up by migration is more sensitive to a change in relative cost than one growing from household formation.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Bradford County
Where are people moving to Bradford County from?
- Tax returns filed by households arriving912
- People arriving, from those returns1,748
- Tax returns filed by households leaving597
- Net household movement315
- Adjusted gross income arriving$39.8 m
- Net adjusted gross income movement$15.0 m
- Average income of an arriving household$43,634
- Average income of a leaving household$41,472
- Largest single originClay County (154 households)
- Largest single destinationClay County (106 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Clay County | 154 | 310 | $8.3 m |
| Duval County | 123 | 225 | $5.9 m |
| Alachua County | 118 | 227 | $4.4 m |
| Union County | 53 | 104 | $2.0 m |
| Putnam County | 45 | 91 | $1.7 m |
| Baker County | 26 | 41 | $972,000 |
| Columbia County | 24 | 47 | $937,000 |
Households arriving report $2,162 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 Clay 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.
Bradford County
What is the Bradford County economy?
- County GDP, 2024$975.7 m
- County GDP, 2023$915.0 m
- GDP change, 2023 to 20246.6 percent
- GDP change over five years36.7 percent
- Rank by GDP among the Florida areas BEA publishes52nd of 67
- Rank by GDP among the US county areas BEA publishes1867th of 3,127
- GDP per resident$34,992
Output grew 6.6 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.
Bradford County
Employment by industry in Bradford County
- Covered employment, annual average6,314
- Establishments reporting566
- Average annual pay$48,898
- Average weekly wage$940
- Retail trade, employment1,172
- Retail trade, average annual pay$39,871
- Accommodation and food services, employment775
- Accommodation and food services, average annual pay$23,553
- Transportation and warehousing, employment605
- Transportation and warehousing, average annual pay$57,798
- Health care and social assistance, employment514
- Health care and social assistance, average annual pay$39,853
- Construction, employment334
- Manufacturing, employment264
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Retail trade | 1,172 | 94 | $39,871 |
| Accommodation and food services | 775 | 54 | $23,553 |
| Transportation and warehousing | 605 | 23 | $57,798 |
| Health care and social assistance | 514 | 58 | $39,853 |
| Construction | 334 | 72 | $60,741 |
| Manufacturing | 264 | 18 | $57,314 |
| Finance and insurance | 129 | 20 | $52,577 |
| Professional, scientific and technical services | 128 | 40 | $57,018 |
Retail trade is the largest private sector at 1,172 jobs, 18.6 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Bradford County
How many businesses are in Bradford County?
- Establishments, all industries460
- Employment at those establishments4,826
- Annual payroll$200.6 m
- Establishments per 1,000 residents16.5
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.
Bradford County
Building permits in Bradford County
- Housing units authorized by permit, 202490
- Declared construction value permitted$22.4 m
- Single family units authorized90
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$248,617
- Units authorized per 1,000 households9.7
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.
Bradford County
SBA loans in Bradford County (7(a) and 504)
- 7(a) approvals recorded14
- 7(a) gross approval dollars$10.1 m
- Average 7(a) approval$723,643
- Median 7(a) approval$464,250
- Largest single approval$2,311,000
- Jobs reported supported, 7(a)102
- Jobs per approval7.3
- Distinct 7(a) lenders active11
- Distinct industries receiving approvals14
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer28.6 percent
- Loans on real estate terms4
- Loans on working capital terms, 120 months or shorter9
- Franchise loans2
- Franchise share of approvals14.3 percent
- Most active lenderTD Bank, National Association (3)
- 504 approvals recorded4
- 504 gross approval dollars$1.4 m
- Average 504 approval$352,750
- Median 504 approval$247,000
- Distinct CDCs active2
- 504 jobs per approval7.8
- 504 jobs per million dollars approved22.0
- Most active CDCFlorida First Capital Finance Corporation, Inc. (3)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$11.5 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.
Bradford County
SBA loan default and charge-off rates in Bradford County
Do SBA loans in Bradford County get paid back?
- Loans with a final outcome recorded2
- Paid in full2
- Charged off0
- Status: Exempt from disclosure9
- Status: Paid in full2
- Status: Committed, not yet disbursed1
- Status: Cancelled2
Only 2 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.
Bradford County
SBA lending by place in Bradford County
- Borrower cities with recorded lending3
- Starke, approvals11
- Lawtey, approvals2
- Melrose, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Starke | 11 | $10,068,500 |
| Lawtey | 2 | $27,500 |
| Melrose | 1 | $35,000 |
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Bradford County
How large is Bradford County?
- Land area294 sq mi
- Rank by land area among Florida counties65th of 67
- Width, east to west22.3 mi
- Height, north to south29.3 mi
- Geographies sharing a boundary5
- Residents per square mile of land95
- Establishments per square mile1.56
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.
Bradford County
Flood risk in Bradford County
- Participation of the county's own NFIP community Bradford County, unincorporated areasParticipating, community 120015
- Communities in the county in the NFIP Community Status Book5
- Of those, participating in the NFIP5
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
- Radon levels in Bradford 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 Bradford County (community 120015), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Bradford 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. 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 Bradford 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 Bradford County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202427,885
- Households9,278
- Average household size3.01
- Median household income$63,050
- Median age40.2
Common questions
Bradford County questions, answered from the record.
How many people live in Bradford County, Florida?
The Census Bureau estimates 28,075 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 27,885, in 9,278 households, ranking 51st of 67 Florida counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Bradford County's population growing?
The population has fallen 0.81 percent since the 2020 census base of 28,305, to 28,075 on July 1, 2024. In 2024 there were 292 births against 353 deaths, with net migration of 348. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Bradford County?
$63,050. The median owner-occupied home is valued at $212,500, which is 3.4 times income, and median gross rent is $863 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Bradford County?
460 establishments, employing 4,826 people with an annual payroll of $200.6 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 Bradford County?
Retail trade is the largest private sector at 1,172 jobs, 18.6 percent of covered employment. Covered employment averages 6,314 jobs at an average annual pay of $48,898, or $940 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Bradford County?
14 7(a) approvals totaling $10.1 m since FY2020, across 11 lenders, with a median approval of $464,250, plus 4 504 approvals worth $1.4 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Bradford County?
90 housing units were authorized by permit in 2024, with a declared construction value of $22.4 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Bradford 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 Bradford County come from?
The largest single origin is Clay County, with 154 households. Arriving households report an average income of $43,634 against $41,472 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Bradford 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 Bradford 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.
Bradford County
Cities and places in Bradford.
4 Census places lie wholly or partly in Bradford County. All 4 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 |
|---|---|---|---|---|
| Starke | city | 5,877 | 11 | Wholly in this county |
| Lawtey | city | 897 | 2 | Wholly in this county |
| Hampton | city | 499 | None recorded | Wholly in this county |
| Brooker | town | 223 | None recorded | Wholly in this county |
A further 1 of the county's 14 SBA 7(a) approvals are to borrowers in cities that match no Census place in Bradford County, the largest being Melrose (1). 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.
Nearby