Gadsden County, Florida: commercial real estate data.
Gadsden County, Florida had an estimated 44,151 residents on July 1, 2024, up 0.8 percent since the 2020 census base of 43,819, across 516 square miles. County output reached $1.71 bn in 2024, 734 establishments operate here, and the SBA record carries 19 7(a) approvals worth $17.2 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Gadsden County
How many people live in Gadsden County
- Population, American Community Survey 2020-202443,710
- Households16,872
- Average household size2.59
- Median household income$48,801
- Median age42.4
- Median gross rent$851 per month
- Median owner-occupied home value$174,900
- Home value to household income3.6 times
- Annual rent as a share of median income20.9 percent
- Adults 25 and over with a bachelor degree or higher21.3 percent
- Adults 25 and over with a graduate degree6.9 percent
- Adults 25 and over30,782
- Population under 189,643
- Share under 1822.1 percent
- Population 65 and over8,702
- Share 65 and over19.9 percent
- Working age population, 18 to 6425,365
- Civilian labor force16,743
- Unemployment rate5.0 percent
- Labor force participation, adults 18 and over49.1 percent
- Rank by population among Florida counties45th of 67
- Rank by population among US county-equivalents, Puerto Rico included1129th of 3,222
Gadsden County is the 45th largest of 67 Florida counties by population. A median home costs 3.6 times median household income, which is moderately unaffordable by national standards. Residents under 18 outnumber those 65 and over, at 22.1 percent against 19.9 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Gadsden County
Is Gadsden County's population growing?
- Population, July 1, 202444,151
- Census 2020 base population43,819
- Population change since the 2020 census base0.76 percent
- Population change, 2023 to 202451
- Births, 2024441
- Deaths, 2024578
- Natural change, 2024-137
- Net domestic migration, 2024-88
- Net international migration, 2024279
- Total net migration, 2024191
- Cumulative net domestic migration, 2021 to 2024678
- Rank by growth among US county-equivalents1566th of 3,144
The county has grown 0.76 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.
Gadsden County
Where are people moving to Gadsden County from?
- Tax returns filed by households arriving1,200
- People arriving, from those returns2,199
- Tax returns filed by households leaving1,088
- Net household movement112
- Adjusted gross income arriving$55.4 m
- Net adjusted gross income movement$6.5 m
- Average income of an arriving household$46,156
- Average income of a leaving household$44,971
- Largest single originLeon County (574 households)
- Largest single destinationLeon County (514 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Leon County | 574 | 1,076 | $24.1 m |
| Jackson County | 38 | 70 | $1.4 m |
| Decatur County | 22 | 41 | $869,000 |
Households arriving report $1,185 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 Leon 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.
Gadsden County
What is the Gadsden County economy?
- County GDP, 2024$1.71 bn
- County GDP, 2023$1.73 bn
- GDP change, 2023 to 2024-1.1 percent
- GDP change over five years21.4 percent
- Rank by GDP among the Florida areas BEA publishes46th of 67
- Rank by GDP among the US county areas BEA publishes1413th of 3,127
- GDP per resident$39,065
Output grew -1.1 percent in the latest year and 21.4 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.
Gadsden County
Employment by industry in Gadsden County
- Covered employment, annual average16,317
- Establishments reporting908
- Average annual pay$51,813
- Average weekly wage$996
- Construction, employment1,544
- Construction, average annual pay$64,798
- Retail trade, employment1,274
- Retail trade, average annual pay$32,795
- Manufacturing, employment1,084
- Manufacturing, average annual pay$60,300
- Administrative and support and waste management services, employment864
- Administrative and support and waste management services, average annual pay$57,229
- Wholesale trade, employment699
- Health care and social assistance, employment670
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Construction | 1,544 | 147 | $64,798 |
| Retail trade | 1,274 | 146 | $32,795 |
| Manufacturing | 1,084 | 22 | $60,300 |
| Administrative and support and waste management services | 864 | 78 | $57,229 |
| Wholesale trade | 699 | 42 | $80,057 |
| Health care and social assistance | 670 | 111 | $45,504 |
| Accommodation and food services | 488 | 61 | $20,240 |
| Transportation and warehousing | 318 | 26 | $56,422 |
Construction is the largest private sector at 1,544 jobs, 9.5 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Gadsden County
How many businesses are in Gadsden County?
- Establishments, all industries734
- Employment at those establishments9,539
- Annual payroll$476.2 m
- Establishments per 1,000 residents16.8
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.
Gadsden County
Building permits in Gadsden County
- Housing units authorized by permit, 2024109
- Declared construction value permitted$26.9 m
- Single family units authorized73
- Multifamily units authorized36
- Multifamily share of units33.0 percent
- Average declared value per unit$246,756
- Units authorized per 1,000 households6.5
Single-family homes are 67.0 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Gadsden County
SBA loans in Gadsden County (7(a) and 504)
- 7(a) approvals recorded19
- 7(a) gross approval dollars$17.2 m
- Average 7(a) approval$906,042
- Median 7(a) approval$335,000
- Largest single approval$3,270,000
- Jobs reported supported, 7(a)214
- Jobs per approval11.3
- Distinct 7(a) lenders active13
- Distinct industries receiving approvals13
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer42.1 percent
- Loans on real estate terms8
- Loans on working capital terms, 120 months or shorter11
- Franchise loans4
- Franchise share of approvals21.1 percent
- Leading industry by approval countHotels (except Casino Hotels) and Motels (5)
- Most active lenderLive Oak Banking Company (3)
- 504 approvals recorded5
- 504 gross approval dollars$4.2 m
- Average 504 approval$841,800
- Median 504 approval$386,000
- Distinct CDCs active2
- 504 jobs per approval1.4
- 504 jobs per million dollars approved1.7
- Most active CDCFlorida First Capital Finance Corporation, Inc. (3)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$21.4 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.
Gadsden County
SBA loan default and charge-off rates in Gadsden County
Do SBA loans in Gadsden County get paid back?
- Loans with a final outcome recorded2
- Paid in full2
- Charged off0
- Status: Paid in full2
- Status: Exempt from disclosure15
- Status: Committed, not yet disbursed1
- Status: Cancelled1
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.
Gadsden County
SBA lending by place in Gadsden County
- Borrower cities with recorded lending4
- Quincy, approvals9
- Havana, approvals5
- Midway, approvals4
- Chattahoochee, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Quincy | 9 | $6,182,300 |
| Havana | 5 | $1,407,500 |
| Midway | 4 | $7,625,000 |
| Chattahoochee | 1 | $2,000,000 |
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Gadsden County
How large is Gadsden County?
- Land area516 sq mi
- Rank by land area among Florida counties57th of 67
- Width, east to west38.7 mi
- Height, north to south22.3 mi
- Geographies sharing a boundary6
- Residents per square mile of land85
- Establishments per square mile1.42
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.
Gadsden County
Flood risk in Gadsden County
- Participation of the county's own NFIP community Gadsden County, unincorporated areasParticipating, community 120091
- Communities in the county in the NFIP Community Status Book7
- Of those, participating in the NFIP7
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
- Radon levels in Gadsden 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 Gadsden County (community 120091), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Gadsden 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 Gadsden 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 Gadsden County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202443,710
- Households16,872
- Average household size2.59
- Median household income$48,801
- Median age42.4
Common questions
Gadsden County questions, answered from the record.
How many people live in Gadsden County, Florida?
The Census Bureau estimates 44,151 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 43,710, in 16,872 households, ranking 45th of 67 Florida counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Gadsden County's population growing?
The population has grown 0.76 percent since the 2020 census base of 43,819, to 44,151 on July 1, 2024. In 2024 there were 441 births against 578 deaths, with net migration of 191. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Gadsden County?
$48,801. The median owner-occupied home is valued at $174,900, which is 3.6 times income, and median gross rent is $851 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Gadsden County?
734 establishments, employing 9,539 people with an annual payroll of $476.2 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 Gadsden County?
Construction is the largest private sector at 1,544 jobs, 9.5 percent of covered employment. Covered employment averages 16,317 jobs at an average annual pay of $51,813, or $996 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Gadsden County?
19 7(a) approvals totaling $17.2 m since FY2020, across 13 lenders, with a median approval of $335,000, plus 5 504 approvals worth $4.2 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Gadsden County?
109 housing units were authorized by permit in 2024, with a declared construction value of $26.9 m. Multifamily was 33.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Gadsden 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 Gadsden County come from?
The largest single origin is Leon County, with 574 households. Arriving households report an average income of $46,156 against $44,971 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Gadsden 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 Gadsden 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.
Gadsden County
Cities and places in Gadsden.
6 Census places lie wholly or partly in Gadsden County. All 6 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 |
|---|---|---|---|---|
| Quincy | city | 7,942 | 9 | Wholly in this county |
| Midway | city | 3,511 | 4 | Wholly in this county |
| Chattahoochee | city | 2,979 | 1 | Wholly in this county |
| Havana | town | 2,031 | 5 | Wholly in this county |
| Gretna | city | 1,342 | None recorded | Wholly in this county |
| Greensboro | town | 949 | None recorded | Wholly in this county |