HomeFloridaOkaloosa CountyMary Esther city
Mary Esther city, Florida: commercial real estate data.
Mary Esther city is a Census city of 4,061 people across 1.46 square miles of land, in Okaloosa County. Median household income is $76,890, 69.8 percent of occupied homes are owned, and the SBA record carries 9 7(a) approvals to borrowers here worth $7.3 m.
81 sourced place values · tier FULL · 9 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Mary Esther
What Mary Esther is
- Census place typecity
- Land area1.46 sq mi
- Water area0.01 sq mi
- Population per square mile of land2,790
- County holding the largest share of its areaOkaloosa 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.
Mary Esther
How many people live in Mary Esther
- Population4,061
- Median age39.8 plus or minus 8.9
- Population under 18700 plus or minus 203
- Share under 1817.2 percent plus or minus 5.0
- Population 65 and over875 plus or minus 215
- Share 65 and over21.5 percent plus or minus 5.3
- Households1,683
- Family households1,100
- Share of households that are families65.4 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Mary Esther
Income and work in Mary Esther
- Median household income$76,890
- Per capita income$42,879
- Civilian labor force1,949
- Employed1,839
- Unemployed110 plus or minus 104
- Unemployment rate5.6 percent plus or minus 5.3
- Adults 25 and over3,148
- Adults 25 and over with a high school diploma or higher96.5 percent
- Adults 25 and over with a bachelor degree or higher30.5 percent plus or minus 7.6
- Adults 25 and over with a graduate degree11.0 percent plus or minus 3.8
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Mary Esther
Housing in Mary Esther
- Housing units1,958
- Occupied units1,683
- Vacant units275 plus or minus 111
- Vacancy rate14.0 percent plus or minus 5.5
- Owner occupied1,175
- Renter occupied508 plus or minus 143
- Ownership rate69.8 percent
- Median owner-occupied home value$298,900
- Median gross rent, monthly$1,699
- Annual rent as a share of median income26.5 percent
- Single family units1,648
- Share single family84.2 percent
- Units in buildings of two or more302 plus or minus 112
- Share in buildings of two or more15.4 percent plus or minus 5.5
- Mobile homes8 plus or minus 14
- Median year structure built1973
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Mary Esther
How Mary Esther gets to work
- Workers 16 and over who commute1,801
- Commuting under 15 minutes745 plus or minus 222
- Share commuting under 15 minutes41.4 percent plus or minus 11.1
- Commuting 30 minutes or more600 plus or minus 191
- Share commuting 30 minutes or more33.3 percent plus or minus 9.7
- Drove alone75.1 percent
- Carpooled15.5 percent plus or minus 8.7
- Public transport0.1 percent plus or minus 0.3
- Walked0.3 percent plus or minus 0.5
- Worked from home7.4 percent plus or minus 3.0
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Mary Esther
SBA loans in Mary Esther (7(a))
- Approvals9
- Gross approval$7,317,400
- Average approval$813,044
- Median approval$315,000
- Ninetieth percentile approval$3,983,000
- Largest approval$3,983,000
- Jobs supported129
- Jobs per approval14.3
- Loans with a final outcome1
- Paid in full1
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more22.2 percent
- Share to franchises44.4 percent
- Distinct lenders8
- Distinct industries by NAICS7
A charge-off rate is not published here. only 1 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.
Mary Esther
SBA loans in Mary Esther (504)
- Approvals9
- Gross approval$5,231,000
- Average approval$581,222
- Median approval$298,000
- Largest approval$2,341,000
- Jobs supported71
- Loans with a final outcome2
- Charged off1
- Median term300 months
- Distinct CDCs3
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Mary Esther
Flood risk in Mary Esther
- Listed NFIP communities1
- Of those, participating1
- Best Community Rating System classClass 6
- NFIP community number120337
- Currently effective map date03/09/21
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
Okaloosa County, not Mary Esther
Okaloosa County context, not Mary Esther figures
These are Okaloosa County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Mary Esther measurements.
- Establishments in Okaloosa County6,011
- Employment at those establishments, Okaloosa County64,766
- Covered employment, Okaloosa County89,705
- Average annual pay, Okaloosa County$61,616
- Average weekly wage, Okaloosa County$1,185
- Housing units permitted, Okaloosa County1,268
- Of those, single family, Okaloosa County1,053
- County product, 2024, Okaloosa County$19,003,071,000
- County product change over the prior year, Okaloosa County4.6 percent
- Average income of an arriving household, Okaloosa County$79,663
Every figure in this section is published for Okaloosa County as a whole and is not a measurement of Mary Esther. 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
Mary Esther questions, answered from the record.
How many people live in Mary Esther, Florida?
4,061, in 1,683 households. Mary Esther city covers 1.46 square miles of land, which is 2,790 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Mary Esther in?
Okaloosa 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 Mary Esther?
$76,890. The median owner-occupied home is valued at $298,900. Median gross rent is $1,699 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Mary Esther businesses?
9 7(a) approvals totalling $7.3 m, across 8 lenders, median approval $315,000, plus 9 504 approvals worth $5.2 m. These count approvals to borrowers whose address is in Mary Esther, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Mary Esther borrowers get paid back?
No rate is published for Mary Esther. only 1 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 Mary Esther in the National Flood Insurance Program?
Yes. Mary Esther appears in the FEMA Community Status Book as community 120337, carrying Community Rating System class 6, 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 Mary Esther figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Okaloosa 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 Mary Esther.
Is zoning published for Mary Esther?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.