HomeFloridaGulf CountyPort St. Joe
Port St. Joe, Florida: commercial real estate data.
Port St. Joe is a Census city of 3,616 people across 9.37 square miles of land, in Gulf County. Median household income is $55,542, 81.6 percent of occupied homes are owned, and the SBA record carries 5 7(a) approvals to borrowers here worth $4.4 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Port St. Joe
What Port St. Joe is
- Census place typecity
- Land area9.37 sq mi
- Water area2.6 sq mi
- Population per square mile of land386
- County holding the largest share of its areaGulf 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.
Port St. Joe
How many people live in Port St. Joe
- Population3,616
- Median age56.0
- Population under 18675 plus or minus 150
- Share under 1818.7 percent plus or minus 4.1
- Population 65 and over1,068 plus or minus 223
- Share 65 and over29.5 percent plus or minus 6.2
- Households1,678
- Family households1,109
- Share of households that are families66.1 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Port St. Joe
Income and work in Port St. Joe
- Median household income$55,542
- Per capita income$35,853
- Civilian labor force1,405
- Employed1,345
- Unemployed60 plus or minus 58
- Unemployment rate4.3 percent plus or minus 4.1
- Adults 25 and over2,853
- Adults 25 and over with a high school diploma or higher89.7 percent
- Adults 25 and over with a bachelor degree or higher35.6 percent plus or minus 7.2
- Adults 25 and over with a graduate degree19.2 percent plus or minus 5.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Port St. Joe
Housing in Port St. Joe
- Housing units2,186
- Occupied units1,678
- Vacant units508 plus or minus 173
- Vacancy rate23.2 percent plus or minus 7.7
- Owner occupied1,370
- Renter occupied308 plus or minus 113
- Ownership rate81.6 percent
- Median owner-occupied home value$353,100
- Median gross rent, monthly$1,433
- Annual rent as a share of median income31.0 percent
- Single family units1,955
- Share single family89.4 percent
- Units in buildings of two or more223 plus or minus 121
- Share in buildings of two or more10.2 percent plus or minus 5.5
- Mobile homes8 plus or minus 13
- Median year structure built1994
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Port St. Joe
How Port St. Joe gets to work
- Workers 16 and over who commute1,237
- Commuting under 15 minutes661 plus or minus 162
- Share commuting under 15 minutes53.4 percent
- Commuting 30 minutes or more321 plus or minus 168
- Share commuting 30 minutes or more25.9 percent plus or minus 13.0
- Drove alone68.3 percent
- Carpooled23.2 percent plus or minus 6.7
- Public transport0.0 percent
- Walked0.9 percent plus or minus 1.5
- Worked from home6.8 percent plus or minus 4.8
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Port St. Joe
SBA loans in Port St. Joe (7(a))
- Approvals5
- Gross approval$4,382,000
- Average approval$876,400
- Median approval$465,000
- Largest approval$2,977,000
- Jobs supported90
- Jobs per approval18.0
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more20.0 percent
- Share to franchises0.0 percent
- Distinct lenders4
- Distinct industries by NAICS4
Counted by borrower city: approvals to borrowers whose address is in Port St. Joe, in any county, FY2020 to FY2026. Only 0 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.
Port St. Joe
SBA loans in Port St. Joe (504)
- Approvals3
- Gross approval$447,000
- Average approval$149,000
- Median approval$107,000
- Largest approval$253,000
- Jobs supported23
- Loans with a final outcome0
- Charged off0
- Median term240 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Port St. Joe, in any county, FY2010 to FY2026. Only 0 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.
Port St. Joe
Flood risk in Port St. Joe
- NFIP communityCity of Port St Joe
- NFIP community number120099
- Participating in the NFIPYes
- Community Rating System classClass 10
- Currently effective map date03/09/21
The City of Port St Joe participates in the National Flood Insurance Program as community 120099 and carries Community Rating System class 10, a flood insurance premium discount for policies written there.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Gulf County, not Port St. Joe
Gulf County context, not Port St. Joe figures
- Establishments in Gulf County405
- Covered employment, Gulf County4,562
- Average annual pay, Gulf County$51,111
- Housing units permitted, Gulf County302
Every figure in this section is published for Gulf County as a whole and is not a measurement of Port St. Joe.
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
Port St. Joe questions, answered from the record.
How many people live in Port St. Joe, Florida?
3,616, in 1,678 households. Port St. Joe city covers 9.37 square miles of land, which is 386 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Port St. Joe in?
Gulf 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 Port St. Joe?
$55,542. The median owner-occupied home is valued at $353,100. Median gross rent is $1,433 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Port St. Joe businesses?
5 7(a) approvals totaling $4.4 m since FY2020, across 4 lenders, median approval $465,000, plus 3 504 approvals worth $447,000 since FY2010. These count approvals to borrowers whose address is in Port St. Joe, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Port St. Joe borrowers get paid back?
No rate is published for Port St. Joe. Only 0 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 Port St. Joe in the National Flood Insurance Program?
Yes. Port St. Joe appears in the FEMA Community Status Book as Port St Joe, city of, community 120099, carrying Community Rating System class 10, 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 Port St. Joe figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Gulf 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 Port St. Joe.
Is zoning published for Port St. Joe?
No. Nothing on this page presents parcel level zoning.