Flagler County, Florida: commercial real estate data.
Flagler County, Florida had an estimated 136,744 residents on July 1, 2024, up 18.5 percent since the 2020 census base of 115,375, across 485 square miles. County output reached $5.15 bn in 2024, 2,698 establishments operate here, and the SBA record carries 76 7(a) approvals worth $34.4 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Flagler County
How many people live in Flagler County
- Population, American Community Survey 2020-2024126,528
- Households52,582
- Average household size2.41
- Median household income$77,363
- Median age53.1
- Median gross rent$1,722 per month
- Median owner-occupied home value$364,900
- Home value to household income4.7 times
- Annual rent as a share of median income26.7 percent
- Adults 25 and over with a bachelor degree or higher31.3 percent
- Adults 25 and over with a graduate degree10.9 percent
- Adults 25 and over98,433
- Population under 1820,335
- Share under 1816.1 percent
- Population 65 and over39,628
- Share 65 and over31.3 percent
- Working age population, 18 to 6466,565
- Civilian labor force53,199
- Unemployment rate4.4 percent
- Labor force participation, adults 18 and over50.1 percent
- Rank by population among Florida counties35th of 67
- Rank by population among US county-equivalents, Puerto Rico included516th of 3,222
Flagler County is the 35th largest of 67 Florida counties by population. A median home costs 4.7 times median household income, which is seriously unaffordable by national standards. Residents 65 and over outnumber those under 18, at 31.3 percent against 16.1 percent, which points demand at health care, services and single story product rather than schools.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Flagler County
Is Flagler County's population growing?
- Population, July 1, 2024136,744
- Census 2020 base population115,375
- Population change since the 2020 census base18.52 percent
- Population change, 2023 to 20244,852
- Births, 2024868
- Deaths, 20241,695
- Natural change, 2024-827
- Net domestic migration, 20245,077
- Net international migration, 2024595
- Total net migration, 20245,672
- Cumulative net domestic migration, 2021 to 202422,633
- Rank by growth among US county-equivalents25th of 3,144
The county has grown 18.52 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.
Flagler County
Where are people moving to Flagler County from?
- Tax returns filed by households arriving6,335
- People arriving, from those returns11,453
- Tax returns filed by households leaving3,858
- Net household movement2,477
- Adjusted gross income arriving$672.7 m
- Net adjusted gross income movement$426.3 m
- Average income of an arriving household$106,181
- Average income of a leaving household$63,869
- Largest single originVolusia County (782 households)
- Largest single destinationVolusia County (813 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Volusia County | 782 | 1,368 | $62.7 m |
| St. Johns County | 373 | 673 | $50.6 m |
| Duval County | 220 | 374 | $18.1 m |
| Broward County | 122 | 196 | $7.2 m |
| Miami-Dade County | 118 | 224 | $9.5 m |
| Orange County | 118 | 180 | $8.4 m |
| Palm Beach County | 113 | 196 | $10.1 m |
| Suffolk County | 112 | 194 | $8.0 m |
Households arriving report $42,312 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 Volusia 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.
Flagler County
What is the Flagler County economy?
- County GDP, 2024$5.15 bn
- County GDP, 2023$4.77 bn
- GDP change, 2023 to 20247.9 percent
- GDP change over five years59.9 percent
- Rank by GDP among the Florida areas BEA publishes37th of 67
- Rank by GDP among the US county areas BEA publishes705th of 3,127
- GDP per resident$40,682
Output grew 7.9 percent in the latest year and 59.9 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.
Flagler County
Employment by industry in Flagler County
- Covered employment, annual average28,244
- Establishments reporting3,423
- Average annual pay$50,301
- Average weekly wage$967
- Accommodation and food services, employment4,472
- Accommodation and food services, average annual pay$27,129
- Retail trade, employment4,418
- Retail trade, average annual pay$36,264
- Health care and social assistance, employment4,340
- Health care and social assistance, average annual pay$60,102
- Administrative and support and waste management services, employment2,266
- Administrative and support and waste management services, average annual pay$50,999
- Construction, employment2,253
- Professional, scientific and technical services, employment1,238
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Accommodation and food services | 4,472 | 238 | $27,129 |
| Retail trade | 4,418 | 317 | $36,264 |
| Health care and social assistance | 4,340 | 358 | $60,102 |
| Administrative and support and waste management services | 2,266 | 276 | $50,999 |
| Construction | 2,253 | 514 | $51,626 |
| Professional, scientific and technical services | 1,238 | 476 | $89,000 |
| Other services, except public administration | 1,006 | 256 | $39,794 |
| Manufacturing | 649 | 86 | $60,275 |
Accommodation and food services is the largest private sector at 4,472 jobs, 15.8 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Flagler County
How many businesses are in Flagler County?
- Establishments, all industries2,698
- Employment at those establishments22,871
- Annual payroll$995.9 m
- Establishments per 1,000 residents21.3
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.
Flagler County
Building permits in Flagler County
- Housing units authorized by permit, 20242,588
- Declared construction value permitted$905.0 m
- Single family units authorized2,384
- Multifamily units authorized204
- Multifamily share of units7.9 percent
- Average declared value per unit$349,700
- Units authorized per 1,000 households49.2
Single-family homes are 92.1 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Flagler County
SBA loans in Flagler County (7(a) and 504)
- 7(a) approvals recorded76
- 7(a) gross approval dollars$34.4 m
- Average 7(a) approval$452,021
- Median 7(a) approval$286,500
- 10th percentile approval$25,000
- 90th percentile approval$1,092,500
- Largest single approval$3,390,000
- Jobs reported supported, 7(a)660
- Jobs per approval8.7
- Distinct 7(a) lenders active36
- Distinct industries receiving approvals55
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer19.7 percent
- Loans on real estate terms15
- Loans on working capital terms, 120 months or shorter57
- Franchise loans11
- Franchise share of approvals14.5 percent
- Leading industry by approval countAll Other Specialty Trade Contractors (5)
- Most active lenderWells Fargo Bank National Association (7)
- 504 approvals recorded72
- 504 gross approval dollars$34.5 m
- Average 504 approval$479,681
- Median 504 approval$260,500
- Distinct CDCs active2
- 504 jobs per approval6.8
- 504 jobs per million dollars approved14.2
- Most active CDCFlorida First Capital Finance Corporation, Inc. (43)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$68.9 m
The average approval of $452,021 sits well above the median of $286,500, 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.
Flagler County
SBA loan default and charge-off rates in Flagler County
Do SBA loans in Flagler County get paid back?
- Loans with a final outcome recorded14
- Paid in full11
- Charged off3
- Status: Exempt from disclosure54
- Status: Charged off3
- Status: Paid in full11
- Status: Cancelled6
- Status: Committed, not yet disbursed2
Only 14 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.
Flagler County
SBA lending by place in Flagler County
- Borrower cities with recorded lending3
- Palm Coast, approvals46
- Bunnell, approvals19
- Flagler Beach, approvals11
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Palm Coast | 46 | $15,178,800 |
| Bunnell | 19 | $11,679,200 |
| Flagler Beach | 11 | $7,495,600 |
Palm Coast accounts for 46 approvals against 19 in Bunnell. 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.
Flagler County
How large is Flagler County?
- Land area485 sq mi
- Rank by land area among Florida counties60th of 67
- Width, east to west25.4 mi
- Height, north to south28.3 mi
- Geographies sharing a boundary3
- Residents per square mile of land261
- Establishments per square mile5.56
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.
Flagler County
Flood risk in Flagler County
- Participation of the county's own NFIP community Flagler County, unincorporated areasParticipating, community 120085
- Community Rating System class of the county's own communityClass 6
- Communities in the county in the NFIP Community Status Book6
- Of those, participating in the NFIP6
- 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 4
- Communities carrying a CRS class3
- Radon levels in Flagler 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 Flagler County (community 120085), 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 Flagler 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 4, 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 Flagler 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 Flagler County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-2024126,528
- Households52,582
- Average household size2.41
- Median household income$77,363
- Median age53.1
Common questions
Flagler County questions, answered from the record.
How many people live in Flagler County, Florida?
The Census Bureau estimates 136,744 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 126,528, in 52,582 households, ranking 35th of 67 Florida counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Flagler County's population growing?
The population has grown 18.52 percent since the 2020 census base of 115,375, to 136,744 on July 1, 2024. In 2024 there were 868 births against 1,695 deaths, with net migration of 5,672. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Flagler County?
$77,363. The median owner-occupied home is valued at $364,900, which is 4.7 times income, and median gross rent is $1,722 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Flagler County?
2,698 establishments, employing 22,871 people with an annual payroll of $995.9 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 Flagler County?
Accommodation and food services is the largest private sector at 4,472 jobs, 15.8 percent of covered employment. Covered employment averages 28,244 jobs at an average annual pay of $50,301, or $967 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Flagler County?
76 7(a) approvals totaling $34.4 m since FY2020, across 36 lenders, with a median approval of $286,500, plus 72 504 approvals worth $34.5 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Flagler County?
2,588 housing units were authorized by permit in 2024, with a declared construction value of $905.0 m. Multifamily was 7.9 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Flagler 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 Flagler County come from?
The largest single origin is Volusia County, with 782 households. Arriving households report an average income of $106,181 against $63,869 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Flagler 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 Flagler 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.
Flagler County
Cities and places in Flagler.
5 Census places lie wholly or partly in Flagler County. All 5 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 |
|---|---|---|---|---|
| Palm Coast | city | 98,258 | 46 | Wholly in this county |
| Flagler Beach | city | 5,373 | 11 | Wholly in this county |
| Bunnell | city | 3,682 | 19 | Wholly in this county |
| Beverly Beach | town | 607 | None recorded | Wholly in this county |
| Marineland | town | 13 | None recorded | 52.2 percent here, 47.8 percent St. Johns County |
Nearby