HomeFloridaFlagler CountyPalm Coast
Palm Coast, Florida: commercial real estate data.
Palm Coast 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 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
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 loans in Palm Coast (7(a))
- Approvals46
- Gross approval$15,178,800
- Average approval$329,974
- Median approval$235,300
- Ninetieth percentile approval$751,200
- 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
Counted by borrower city: approvals to borrowers whose address is in Palm Coast, in any county, FY2020 to FY2026. Only 9 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.
Palm Coast
SBA loans in Palm Coast (504)
- 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
- Median term300 months
- Distinct CDCs2
Counted by borrower city: approvals to borrowers whose address is in Palm Coast, in any county, FY2010 to FY2026. Only 11 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.
Palm Coast
Flood risk in Palm Coast
- NFIP communityCity of Palm Coast
- NFIP community number120684
- Participating in the NFIPYes
- Community Rating System classClass 4
- Currently effective map date06/06/18
The City of Palm Coast participates in the National Flood Insurance Program as community 120684 and carries Community Rating System class 4, a flood insurance premium discount for policies written there.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Flagler County, not Palm Coast
Flagler County context, not Palm Coast figures
- Establishments in Flagler County2,698
- Covered employment, Flagler County28,244
- Average annual pay, Flagler County$50,301
- Housing units permitted, Flagler County2,588
Every figure in this section is published for Flagler County as a whole and is not a measurement of Palm Coast.
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
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 totaling $15.2 m since FY2020, across 23 lenders, median approval $235,300, plus 37 504 approvals worth $20.8 m since FY2010. 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 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 Palm Coast in the National Flood Insurance Program?
Yes. Palm Coast appears in the FEMA Community Status Book as Palm Coast, city of, community 120684, carrying Community Rating System class 4, 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 Palm Coast figures?
No, and they are labeled 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?
No. Nothing on this page presents parcel level zoning.
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