HomeFloridaFlagler CountyPalm Coast city
Palm Coast city, Florida: commercial real estate data.
Palm Coast city is a Census city of 98,258 people across 96.29 square miles of land, in Flagler County. Median household income is $77,350, 81.9 percent of occupied homes are owned, and the SBA record carries 46 7(a) approvals to borrowers here worth $15.2 m.
82 sourced place values · tier FULL · 9 sections
Palm Coast
What Palm Coast is
- Census place typecity
- Land area96.29 sq mi
- Water area1.2 sq mi
- Population per square mile of land1,020
- County holding the largest share of its areaFlagler 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.
Palm Coast
How many people live in Palm Coast
- Population98,258
- Median age50.4
- Population under 1816,828
- Share under 1817.1 percent
- Population 65 and over28,977
- Share 65 and over29.5 percent
- Households39,807
- Family households28,421
- Share of households that are families71.4 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Palm Coast
Income and work in Palm Coast
- Median household income$77,350
- Per capita income$42,023
- Civilian labor force42,710
- Employed40,779
- Unemployed1,931 plus or minus 456
- Unemployment rate4.5 percent plus or minus 1.1
- Adults 25 and over75,170
- Adults 25 and over with a high school diploma or higher92.7 percent
- Adults 25 and over with a bachelor degree or higher29.7 percent
- Adults 25 and over with a graduate degree9.6 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Palm Coast
Housing in Palm Coast
- Housing units44,254
- Occupied units39,807
- Vacant units4,447
- Vacancy rate10.0 percent
- Owner occupied32,586
- Renter occupied7,221
- Ownership rate81.9 percent
- Median owner-occupied home value$350,800
- Median gross rent, monthly$1,782
- Annual rent as a share of median income27.6 percent
- Single family units40,363
- Share single family91.2 percent
- Units in buildings of two or more3,766
- Share in buildings of two or more8.5 percent
- Mobile homes125 plus or minus 115
- Median year structure built2003
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Palm Coast
How Palm Coast gets to work
- Workers 16 and over who commute32,926
- Commuting under 15 minutes7,952
- Share commuting under 15 minutes24.2 percent
- Commuting 30 minutes or more12,761
- Share commuting 30 minutes or more38.8 percent
- Drove alone67.6 percent
- Carpooled11.7 percent
- Public transport0.4 percent plus or minus 0.4
- Walked0.5 percent plus or minus 0.4
- Worked from home17.4 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Palm Coast
SBA 7(a) lending to Palm Coast borrowers
- Approvals46
- Gross approval$15,178,800
- Average approval$329,974
- Median approval$238,000
- Ninetieth percentile approval$867,400
- Largest approval$2,000,000
- Jobs supported422
- Jobs per approval9.2
- Loans with a final outcome9
- Paid in full7
- Charged off2
- Median term120 months
- Share on real estate terms of 20 years or more10.9 percent
- Share to franchises19.6 percent
- Distinct lenders23
- Distinct industries by NAICS36
A charge-off rate is not published here. only 9 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Palm Coast
SBA 504 lending to Palm Coast borrowers
- Approvals37
- Gross approval$20,781,000
- Average approval$561,649
- Median approval$276,000
- Largest approval$2,410,000
- Jobs supported259
- Loans with a final outcome11
- Charged off0
- Charge-off rate over resolved loans0.0 percent
- Median term300 months
- Distinct CDCs2
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Palm Coast
Flood programme status in Palm Coast
- Listed NFIP communities1
- Of those, participating1
- Best Community Rating System classClass 4
- NFIP community number120684
- Currently effective map date06/06/18
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
Flagler County, not Palm Coast
Flagler County context, not Palm Coast figures
These are Flagler County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Palm Coast measurements.
- Establishments in Flagler County2,698
- Employment at those establishments, Flagler County22,871
- Covered employment, Flagler County28,244
- Average annual pay, Flagler County$50,301
- Average weekly wage, Flagler County$967
- Housing units permitted, Flagler County2,588
- Of those, single family, Flagler County2,384
- County product, 2024, Flagler County$5,147,471,000
- County product change over the prior year, Flagler County7.9 percent
- Average income of an arriving household, Flagler County$106,181
Every figure in this section is published for Flagler County as a whole and is not a measurement of Palm Coast. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
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. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
Palm Coast questions, answered from the record.
How many people live in Palm Coast, Florida?
98,258, in 39,807 households. Palm Coast city covers 96.29 square miles of land, which is 1,020 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Palm Coast in?
Flagler 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 Palm Coast?
$77,350. The median owner-occupied home is valued at $350,800. Median gross rent is $1,782 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Palm Coast businesses?
46 7(a) approvals totalling $15.2 m, across 23 lenders, median approval $238,000, plus 37 504 approvals worth $20.8 m. These count approvals to borrowers whose address is in Palm Coast, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Palm Coast borrowers get paid back?
No rate is published for Palm Coast. only 9 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Is Palm Coast in the National Flood Insurance Program?
Yes. Palm Coast appears in the FEMA Community Status Book as community 120684, carrying Community Rating System class 4, which is a premium discount for exceeding the programme 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 Palm Coast figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Flagler 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 Palm Coast.
Is zoning published for Palm Coast?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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