Orange County, Florida: commercial real estate data.
Orange County, Florida had an estimated 1,533,646 residents on July 1, 2024, up 7.3 percent since the 2020 census base of 1,429,910, across 903 square miles. County output reached $160.40 bn in 2024, 45,588 establishments operate here, and the SBA record carries 2,068 7(a) approvals worth $1.18 bn since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Orange County
How many people live in Orange County
- Population, American Community Survey 2020-20241,471,937
- Households527,776
- Average household size2.79
- Median household income$79,719
- Median age36.6
- Median gross rent$1,775 per month
- Median owner-occupied home value$390,100
- Home value to household income4.9 times
- Annual rent as a share of median income26.7 percent
- Adults 25 and over with a bachelor degree or higher39.3 percent
- Adults 25 and over with a graduate degree14.2 percent
- Adults 25 and over1,007,057
- Population under 18314,642
- Share under 1821.4 percent
- Population 65 and over191,739
- Share 65 and over13.0 percent
- Working age population, 18 to 64965,556
- Civilian labor force803,825
- Unemployment rate5.5 percent
- Labor force participation, adults 18 and over69.5 percent
- Rank by population among Florida counties5th of 67
- Rank by population among US county-equivalents, Puerto Rico included28th of 3,222
Orange County is the 5th largest of 67 Florida counties by population. A median home costs 4.9 times median household income, which is seriously unaffordable by national standards. Residents under 18 outnumber those 65 and over, at 21.4 percent against 13.0 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Orange County
Is Orange County's population growing?
- Population, July 1, 20241,533,646
- Census 2020 base population1,429,910
- Population change since the 2020 census base7.25 percent
- Population change, 2023 to 202432,381
- Births, 202416,531
- Deaths, 20249,398
- Natural change, 20247,133
- Net domestic migration, 2024-18,097
- Net international migration, 202443,378
- Total net migration, 202425,281
- Cumulative net domestic migration, 2021 to 2024-34,363
- Rank by growth among US county-equivalents294th of 3,144
The county has grown 7.25 percent since the 2020 census base. The population grew in 2024 from both sources: births exceeded deaths and more people moved in than left.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Orange County
Where are people moving to Orange County from?
- Tax returns filed by households arriving53,260
- People arriving, from those returns89,402
- Tax returns filed by households leaving53,952
- Net household movement-692
- Adjusted gross income arriving$4.16 bn
- Net adjusted gross income movement$659.4 m
- Average income of an arriving household$78,122
- Average income of a leaving household$64,899
- Largest single originSeminole County (5,892 households)
- Largest single destinationSeminole County (7,846 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Seminole County | 5,892 | 9,402 | $358.5 m |
| Osceola County | 5,442 | 9,095 | $254.5 m |
| Polk County | 2,289 | 3,732 | $101.0 m |
| Lake County | 2,117 | 3,550 | $130.8 m |
| Miami-Dade County | 2,037 | 3,364 | $113.5 m |
| Broward County | 1,849 | 3,121 | $105.5 m |
| Brevard County | 1,167 | 1,788 | $75.7 m |
| Hillsborough County | 1,118 | 1,692 | $60.9 m |
Households arriving report $13,223 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 Seminole 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.
Orange County
What is the Orange County economy?
- County GDP, 2024$160.40 bn
- County GDP, 2023$151.08 bn
- GDP change, 2023 to 20246.2 percent
- GDP change over five years58.5 percent
- Rank by GDP among the Florida areas BEA publishes3rd of 67
- Rank by GDP among the US county areas BEA publishes26th of 3,127
- GDP per resident$108,972
Output grew 6.2 percent in the latest year and 58.5 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.
Orange County
Employment by industry in Orange County
- Covered employment, annual average949,918
- Establishments reporting56,038
- Average annual pay$67,805
- Average weekly wage$1,304
- Accommodation and food services, employment137,620
- Accommodation and food services, average annual pay$38,462
- Health care and social assistance, employment97,712
- Health care and social assistance, average annual pay$76,321
- Arts, entertainment and recreation, employment87,394
- Arts, entertainment and recreation, average annual pay$50,358
- Administrative and support and waste management services, employment87,011
- Administrative and support and waste management services, average annual pay$53,433
- Retail trade, employment86,371
- Professional, scientific and technical services, employment72,640
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Accommodation and food services | 137,620 | 4,264 | $38,462 |
| Health care and social assistance | 97,712 | 5,114 | $76,321 |
| Arts, entertainment and recreation | 87,394 | 1,139 | $50,358 |
| Administrative and support and waste management services | 87,011 | 4,794 | $53,433 |
| Retail trade | 86,371 | 5,612 | $44,673 |
| Professional, scientific and technical services | 72,640 | 9,513 | $113,271 |
| Transportation and warehousing | 48,995 | 1,742 | $72,421 |
| Construction | 47,157 | 5,211 | $76,536 |
Accommodation and food services is the largest private sector at 137,620 jobs, 14.5 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Orange County
How many businesses are in Orange County?
- Establishments, all industries45,588
- Employment at those establishments842,028
- Annual payroll$49.13 bn
- Establishments per 1,000 residents31.0
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.
Orange County
Building permits in Orange County
- Housing units authorized by permit, 20248,052
- Declared construction value permitted$2.27 bn
- Single family units authorized4,810
- Multifamily units authorized3,242
- Multifamily share of units40.3 percent
- Average declared value per unit$281,927
- Units authorized per 1,000 households15.3
Multifamily is 40.3 percent of units authorized, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Orange County
SBA loans in Orange County (7(a) and 504)
- 7(a) approvals recorded2,068
- 7(a) gross approval dollars$1.18 bn
- Average 7(a) approval$569,605
- Median 7(a) approval$250,000
- 10th percentile approval$25,000
- 90th percentile approval$1,500,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)25,407
- Jobs per approval12.3
- Distinct 7(a) lenders active154
- Distinct industries receiving approvals347
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer12.8 percent
- Loans on real estate terms264
- Loans on working capital terms, 120 months or shorter1,630
- Franchise loans339
- Franchise share of approvals16.4 percent
- Leading industry by approval countFull-Service Restaurants (96)
- Most active lenderTD Bank, National Association (187)
- 504 approvals recorded669
- 504 gross approval dollars$630.3 m
- Average 504 approval$942,118
- Median 504 approval$643,000
- Distinct CDCs active5
- 504 jobs per approval9.5
- 504 jobs per million dollars approved10.1
- Most active CDCFlorida Business Development Corporation (323)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$1.81 bn
The average approval of $569,605 sits well above the median of $250,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 12.8 percent of approvals run on real estate terms, so SBA credit here is mostly working capital and equipment rather than property acquisition.
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.
Orange County
SBA loan default and charge-off rates in Orange County
Do SBA loans in Orange County get paid back?
- Loans with a final outcome recorded328
- Paid in full278
- Charged off50
- Charge-off rate on resolved loans15.2 percent
- Status: Paid in full278
- Status: Exempt from disclosure1,318
- Status: Cancelled318
- Status: Charged off50
- Status: Committed, not yet disbursed104
Of the 328 loans that have reached a final outcome, 15.2 percent were charged off. This is computed only over resolved loans, because a loan still running has not yet succeeded or failed and counting it either way would be wrong.
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.
Orange County
SBA lending by place in Orange County
- Borrower cities with recorded lending27
- Orlando, approvals1,445
- Winter Garden, approvals161
- Winter Park, approvals140
- Apopka, approvals113
- Ocoee, approvals62
- Windermere, approvals59
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Orlando | 1,445 | $803,658,100 |
| Winter Garden | 161 | $97,680,900 |
| Winter Park | 140 | $98,120,900 |
| Apopka | 113 | $79,272,800 |
| Ocoee | 62 | $30,906,200 |
| Windermere | 59 | $29,220,100 |
| Maitland | 50 | $24,730,600 |
| Oakland | 6 | $2,634,000 |
| 19 other borrower cities | 32 | $11,719,300 |
Orlando accounts for 1,445 approvals against 161 in Winter Garden. County level figures average over that gap, which is why a site decision is made at the submarket rather than the county.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Orange County
How large is Orange County?
- Land area903 sq mi
- Rank by land area among Florida counties21st of 67
- Width, east to west48.3 mi
- Height, north to south30.3 mi
- Geographies sharing a boundary4
- Residents per square mile of land1,630
- Establishments per square mile50.49
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.
Orange County
Flood risk in Orange County
- Participation of the county's own NFIP community Orange County, unincorporated areasParticipating, community 120179
- Community Rating System class of the county's own communityClass 5
- Communities in the county in the NFIP Community Status Book15
- Of those, participating in the NFIP12
- NFIP participation rate80.0 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 5
- Communities carrying a CRS class4
- Radon levels in Orange 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 Orange County (community 120179), participates in the National Flood Insurance Program and carries Community Rating System class 5, a flood insurance premium discount for policies written there. The EPA places Orange 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. The best Community Rating System class among the county's communities is 5, which carries a flood insurance premium discount for policies written in that community. 80.0 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 Orange 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 Orange County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-20241,471,937
- Households527,776
- Average household size2.79
- Median household income$79,719
- Median age36.6
Common questions
Orange County questions, answered from the record.
How many people live in Orange County, Florida?
The Census Bureau estimates 1,533,646 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 1,471,937, in 527,776 households, ranking 5th of 67 Florida counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Orange County's population growing?
The population has grown 7.25 percent since the 2020 census base of 1,429,910, to 1,533,646 on July 1, 2024. In 2024 there were 16,531 births against 9,398 deaths, with net migration of 25,281. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Orange County?
$79,719. The median owner-occupied home is valued at $390,100, which is 4.9 times income, and median gross rent is $1,775 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Orange County?
45,588 establishments, employing 842,028 people with an annual payroll of $49.13 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is employment by industry in Orange County?
Accommodation and food services is the largest private sector at 137,620 jobs, 14.5 percent of covered employment. Covered employment averages 949,918 jobs at an average annual pay of $67,805, or $1,304 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Orange County?
2,068 7(a) approvals totaling $1.18 bn since FY2020, across 154 lenders, with a median approval of $250,000, plus 669 504 approvals worth $630.3 m since FY2010. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Orange County get paid back?
Of the 328 loans that have reached a final outcome, 278 were paid in full and 50 charged off, a charge-off rate of 15.2 percent. Loans still running are excluded, because they have not yet succeeded or failed.
How many building permits were issued in Orange County?
8,052 housing units were authorized by permit in 2024, with a declared construction value of $2.27 bn. Multifamily was 40.3 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Orange 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 Orange County come from?
The largest single origin is Seminole County, with 5,892 households. Arriving households report an average income of $78,122 against $64,899 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Orange 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 Orange 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.
Orange County
Cities and places in Orange.
52 Census places lie wholly or partly in Orange County. All 52 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 |
|---|---|---|---|---|
| Orlando | city | 319,758 | 1,445 | Wholly in this county |
| Alafaya | CDP | 92,449 | None recorded | Wholly in this county |
| Pine Hills | CDP | 80,105 | 1 | Wholly in this county |
| Horizon West | CDP | 67,416 | None recorded | Wholly in this county |
| Four Corners | CDP | 65,048 | None recorded | 7.4 percent here, 47.5 percent Osceola County, 32.8 percent Lake County, 12.3 percent Polk County |
| Apopka | city | 58,232 | 113 | Wholly in this county |
| Ocoee | city | 49,033 | 62 | Wholly in this county |
| Winter Garden | city | 47,872 | 161 | Wholly in this county |
| Meadow Woods | CDP | 42,852 | None recorded | Wholly in this county |
| University | CDP | 41,902 | None recorded | Wholly in this county |
| Winter Park | city | 30,274 | 140 | Wholly in this county |
| Oak Ridge | CDP | 23,364 | None recorded | Wholly in this county |
| Hunters Creek | CDP | 22,819 | None recorded | Wholly in this county |
| Maitland | city | 19,469 | 50 | Wholly in this county |
| Lake Butler | CDP | 17,125 | None recorded | Wholly in this county |
| Azalea Park | CDP | 16,180 | None recorded | Wholly in this county |
| Lockhart | CDP | 15,371 | None recorded | Wholly in this county |
| Southchase | CDP | 13,981 | None recorded | Wholly in this county |
| Doctor Phillips | CDP | 12,984 | None recorded | Wholly in this county |
| Conway | CDP | 12,928 | None recorded | Wholly in this county |
| Goldenrod | CDP | 12,878 | None recorded | 49.4 percent here, 50.6 percent Seminole County |
| Fairview Shores | CDP | 11,844 | None recorded | Wholly in this county |
| Union Park | CDP | 10,615 | None recorded | Wholly in this county |
| Bithlo | CDP | 10,486 | None recorded | Wholly in this county |
| Pine Castle | CDP | 10,371 | 1 | Wholly in this county |
| Williamsburg | CDP | 9,063 | None recorded | Wholly in this county |
| Wedgefield | CDP | 8,851 | None recorded | Wholly in this county |
| Sky Lake | CDP | 8,116 | None recorded | Wholly in this county |
| Belle Isle | city | 7,444 | None recorded | Wholly in this county |
| South Apopka | CDP | 7,300 | None recorded | Wholly in this county |
| Orlovista | CDP | 6,890 | None recorded | Wholly in this county |
| Rio Pinar | CDP | 4,985 | None recorded | Wholly in this county |
| Bay Hill | CDP | 4,512 | None recorded | Wholly in this county |
| Tangerine | CDP | 4,326 | None recorded | Wholly in this county |
| Clarcona | CDP | 3,850 | None recorded | Wholly in this county |
| Oakland | town | 3,646 | 6 | Wholly in this county |
| Holden Lakes | CDP | 3,522 | None recorded | Wholly in this county |
| Holden Heights | CDP | 3,286 | None recorded | Wholly in this county |
| Zellwood | CDP | 3,228 | 2 | Wholly in this county |
| Windermere | town | 3,086 | 59 | Wholly in this county |
| Edgewood | city | 2,758 | 2 | Wholly in this county |
| Taft | CDP | 2,730 | None recorded | Wholly in this county |
| Tangelo Park | CDP | 2,404 | None recorded | Wholly in this county |
| Eatonville | town | 2,290 | None recorded | Wholly in this county |
| Lake Mary Jane | CDP | 1,792 | None recorded | Wholly in this county |
| Christmas | CDP | 1,696 | 2 | Wholly in this county |
| Gotha | CDP | 1,124 | 3 | Wholly in this county |
| Paradise Heights | CDP | 877 | None recorded | Wholly in this county |
| Lake Hart | CDP | 426 | None recorded | Wholly in this county |
| Tildenville | CDP | 183 | None recorded | Wholly in this county |
| Bay Lake | city | 21 | None recorded | Wholly in this county |
| Lake Buena Vista | city | 15 | None recorded | Wholly in this county |
A further 21 of the county's 2,068 SBA 7(a) approvals are to borrowers in cities that match no Census place in Orange County, the largest being Mount Dora (5), Windemere (2), Miami (2). Those are postal cities, unincorporated areas and cities outside the county, so no place row claims them; they are counted in the county total above.
Nearby