Escambia County, Florida: commercial real estate data.
Escambia County, Florida had an estimated 331,275 residents on July 1, 2024, up 2.9 percent since the 2020 census base of 321,904, across 656 square miles. County output reached $24.36 bn in 2024, 7,650 establishments operate here, and the SBA record carries 249 7(a) approvals worth $197.5 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Escambia County
How many people live in Escambia County
- Population, American Community Survey 2020-2024325,923
- Households129,027
- Average household size2.53
- Median household income$67,500
- Median age38.1
- Median gross rent$1,321 per month
- Median owner-occupied home value$257,200
- Home value to household income3.8 times
- Annual rent as a share of median income23.5 percent
- Adults 25 and over with a bachelor degree or higher29.7 percent
- Adults 25 and over with a graduate degree10.7 percent
- Adults 25 and over222,619
- Population under 1868,089
- Share under 1820.9 percent
- Population 65 and over58,359
- Share 65 and over17.9 percent
- Working age population, 18 to 64199,475
- Civilian labor force151,864
- Unemployment rate5.9 percent
- Labor force participation, adults 18 and over58.9 percent
- Rank by population among Florida counties21st of 67
- Rank by population among US county-equivalents, Puerto Rico included226th of 3,222
Escambia County is the 21st largest of 67 Florida counties by population. A median home costs 3.8 times median household income, which is moderately unaffordable by national standards. Residents under 18 outnumber those 65 and over, at 20.9 percent against 17.9 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Escambia County
Is Escambia County's population growing?
- Population, July 1, 2024331,275
- Census 2020 base population321,904
- Population change since the 2020 census base2.91 percent
- Population change, 2023 to 20243,241
- Births, 20243,579
- Deaths, 20243,928
- Natural change, 2024-349
- Net domestic migration, 20241,822
- Net international migration, 20241,763
- Total net migration, 20243,585
- Cumulative net domestic migration, 2021 to 20246,309
- Rank by growth among US county-equivalents893rd of 3,144
The county has grown 2.91 percent 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.
Escambia County
Where are people moving to Escambia County from?
- Tax returns filed by households arriving11,363
- People arriving, from those returns19,567
- Tax returns filed by households leaving10,815
- Net household movement548
- Adjusted gross income arriving$858.7 m
- Net adjusted gross income movement$209.8 m
- Average income of an arriving household$75,568
- Average income of a leaving household$59,998
- Largest single originSanta Rosa County (1,514 households)
- Largest single destinationSanta Rosa County (1,732 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Santa Rosa County | 1,514 | 2,599 | $102.8 m |
| Okaloosa County | 405 | 616 | $19.9 m |
| Baldwin County | 351 | 620 | $19.1 m |
| San Diego County | 227 | 422 | $17.1 m |
| Mobile County | 157 | 234 | $8.8 m |
| Foreign - APO/FPO ZIPs | 156 | 338 | $10.9 m |
| Leon County | 138 | 196 | $6.9 m |
| Duval County | 116 | 207 | $6.0 m |
Households arriving report $15,570 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 Santa Rosa 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.
Escambia County
What is the Escambia County economy?
- County GDP, 2024$24.36 bn
- County GDP, 2023$22.65 bn
- GDP change, 2023 to 20247.6 percent
- GDP change over five years42.3 percent
- Rank by GDP among the Florida areas BEA publishes16th of 67
- Rank by GDP among the US county areas BEA publishes225th of 3,127
- GDP per resident$74,750
Output grew 7.6 percent in the latest year and 42.3 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.
Escambia County
Employment by industry in Escambia County
- Covered employment, annual average145,972
- Establishments reporting9,738
- Average annual pay$60,268
- Average weekly wage$1,159
- Health care and social assistance, employment23,956
- Health care and social assistance, average annual pay$66,557
- Accommodation and food services, employment17,408
- Accommodation and food services, average annual pay$28,076
- Retail trade, employment17,213
- Retail trade, average annual pay$38,192
- Finance and insurance, employment12,047
- Finance and insurance, average annual pay$89,839
- Construction, employment9,339
- Professional, scientific and technical services, employment8,125
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 23,956 | 1,176 | $66,557 |
| Accommodation and food services | 17,408 | 810 | $28,076 |
| Retail trade | 17,213 | 1,265 | $38,192 |
| Finance and insurance | 12,047 | 468 | $89,839 |
| Construction | 9,339 | 1,073 | $63,693 |
| Professional, scientific and technical services | 8,125 | 1,232 | $97,719 |
| Administrative and support and waste management services | 7,664 | 709 | $50,154 |
| Manufacturing | 5,464 | 272 | $84,160 |
Health care and social assistance is the largest private sector at 23,956 jobs, 16.4 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Escambia County
How many businesses are in Escambia County?
- Establishments, all industries7,650
- Employment at those establishments120,709
- Annual payroll$6.66 bn
- Establishments per 1,000 residents23.5
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.
Escambia County
Building permits in Escambia County
- Housing units authorized by permit, 20241,462
- Declared construction value permitted$432.8 m
- Single family units authorized1,446
- Multifamily units authorized16
- Multifamily share of units1.1 percent
- Average declared value per unit$296,060
- Units authorized per 1,000 households11.3
Single-family homes are 98.9 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Escambia County
SBA loans in Escambia County (7(a) and 504)
- 7(a) approvals recorded249
- 7(a) gross approval dollars$197.5 m
- Average 7(a) approval$793,047
- Median 7(a) approval$350,000
- 10th percentile approval$50,000
- 90th percentile approval$2,576,800
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)3,089
- Jobs per approval12.4
- Distinct 7(a) lenders active66
- Distinct industries receiving approvals123
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer19.7 percent
- Loans on real estate terms49
- Loans on working capital terms, 120 months or shorter168
- Franchise loans59
- Franchise share of approvals23.7 percent
- Leading industry by approval countLimited-Service Restaurants (12)
- Most active lenderLive Oak Banking Company (31)
- 504 approvals recorded124
- 504 gross approval dollars$85.2 m
- Average 504 approval$687,008
- Median 504 approval$424,000
- Distinct CDCs active6
- 504 jobs per approval9.7
- 504 jobs per million dollars approved14.1
- Most active CDCFlorida First Capital Finance Corporation, Inc. (96)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$282.7 m
The average approval of $793,047 sits well above the median of $350,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 19.7 percent of approvals run on real estate terms, so SBA credit here is mostly working capital and equipment rather than property acquisition.
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.
Escambia County
SBA loan default and charge-off rates in Escambia County
Do SBA loans in Escambia County get paid back?
- Loans with a final outcome recorded36
- Paid in full33
- Charged off3
- Charge-off rate on resolved loans8.3 percent
- Status: Paid in full33
- Status: Exempt from disclosure171
- Status: Charged off3
- Status: Cancelled28
- Status: Committed, not yet disbursed14
Of the 36 loans that have reached a final outcome, 8.3 percent were charged off. This is computed only over resolved loans, because a loan still running has not yet succeeded or failed and counting it either way would be wrong.
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.
Escambia County
SBA lending by place in Escambia County
- Borrower cities with recorded lending7
- Pensacola, approvals233
- Cantonment, approvals7
- Molino, approvals3
- Mc David, approvals3
- Century, approvals1
- Kansas City, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Pensacola | 233 | $185,597,800 |
| Cantonment | 7 | $8,490,500 |
| Molino | 3 | $1,976,500 |
| Mc David | 3 | $446,000 |
| Century | 1 | $664,000 |
| Kansas City | 1 | $150,000 |
| Bellview | 1 | $144,000 |
Pensacola accounts for 233 approvals against 7 in Cantonment. County level figures average over that gap, which is why a site decision is made at the submarket rather than the county.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Escambia County
How large is Escambia County?
- Land area656 sq mi
- Rank by land area among Florida counties38th of 67
- Width, east to west42.5 mi
- Height, north to south49.6 mi
- Geographies sharing a boundary3
- Residents per square mile of land497
- Establishments per square mile11.66
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.
Escambia County
Flood risk in Escambia County
- Participation of the county's own NFIP community Escambia County, unincorporated areasParticipating, community 120080
- Community Rating System class of the county's own communityClass 6
- Communities in the county in the NFIP Community Status Book4
- Of those, participating in the NFIP4
- 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 5
- Communities carrying a CRS class3
- Radon levels in Escambia 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 Escambia County (community 120080), participates in the National Flood Insurance Program and carries Community Rating System class 6, a flood insurance premium discount for policies written there. The EPA places Escambia 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 5, 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 Escambia 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 Escambia County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-2024325,923
- Households129,027
- Average household size2.53
- Median household income$67,500
- Median age38.1
Common questions
Escambia County questions, answered from the record.
How many people live in Escambia County, Florida?
The Census Bureau estimates 331,275 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 325,923, in 129,027 households, ranking 21st of 67 Florida counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Escambia County's population growing?
The population has grown 2.91 percent since the 2020 census base of 321,904, to 331,275 on July 1, 2024. In 2024 there were 3,579 births against 3,928 deaths, with net migration of 3,585. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Escambia County?
$67,500. The median owner-occupied home is valued at $257,200, which is 3.8 times income, and median gross rent is $1,321 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Escambia County?
7,650 establishments, employing 120,709 people with an annual payroll of $6.66 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is employment by industry in Escambia County?
Health care and social assistance is the largest private sector at 23,956 jobs, 16.4 percent of covered employment. Covered employment averages 145,972 jobs at an average annual pay of $60,268, or $1,159 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Escambia County?
249 7(a) approvals totaling $197.5 m since FY2020, across 66 lenders, with a median approval of $350,000, plus 124 504 approvals worth $85.2 m since FY2010. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Escambia County get paid back?
Of the 36 loans that have reached a final outcome, 33 were paid in full and 3 charged off, a charge-off rate of 8.3 percent. Loans still running are excluded, because they have not yet succeeded or failed.
How many building permits were issued in Escambia County?
1,462 housing units were authorized by permit in 2024, with a declared construction value of $432.8 m. Multifamily was 1.1 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Escambia 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 Escambia County come from?
The largest single origin is Santa Rosa County, with 1,514 households. Arriving households report an average income of $75,568 against $59,998 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Escambia 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 Escambia 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.
Escambia County
Cities and places in Escambia.
13 Census places lie wholly or partly in Escambia County. All 13 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 |
|---|---|---|---|---|
| Pensacola | city | 54,036 | 233 | Wholly in this county |
| Ferry Pass | CDP | 30,053 | None recorded | Wholly in this county |
| Bellview | CDP | 26,488 | 1 | Wholly in this county |
| Brent | CDP | 23,813 | None recorded | Wholly in this county |
| Ensley | CDP | 23,760 | None recorded | Wholly in this county |
| West Pensacola | CDP | 20,665 | None recorded | Wholly in this county |
| Warrington | CDP | 15,918 | None recorded | Wholly in this county |
| Myrtle Grove | CDP | 15,595 | None recorded | Wholly in this county |
| Gonzalez | CDP | 14,458 | None recorded | Wholly in this county |
| Pensacola Station | CDP | 5,281 | None recorded | Wholly in this county |
| Goulding | CDP | 3,734 | None recorded | Wholly in this county |
| Century | town | 1,826 | 1 | Wholly in this county |
| Molino | CDP | 1,447 | 3 | Wholly in this county |
A further 11 of the county's 249 SBA 7(a) approvals are to borrowers in cities that match no Census place in Escambia County, the largest being Cantonment (7), Mc David (3), Kansas City (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