Osceola County, Florida: commercial real estate data.
Osceola County, Florida had an estimated 468,058 residents on July 1, 2024, up 20.4 percent since the 2020 census base of 388,661, across 1,327 square miles. County output reached $20.40 bn in 2024, 8,617 establishments operate here, and the SBA record carries 429 7(a) approvals worth $194.9 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Osceola County
How many people live in Osceola County
- Population, American Community Survey 2020-2024427,415
- Households142,794
- Average household size2.99
- Median household income$72,637
- Median age37.1
- Median gross rent$1,746 per month
- Median owner-occupied home value$353,300
- Home value to household income4.9 times
- Annual rent as a share of median income28.8 percent
- Adults 25 and over with a bachelor degree or higher29.8 percent
- Adults 25 and over with a graduate degree9.0 percent
- Adults 25 and over287,367
- Population under 18102,052
- Share under 1823.9 percent
- Population 65 and over57,262
- Share 65 and over13.4 percent
- Working age population, 18 to 64268,101
- Civilian labor force224,013
- Unemployment rate5.4 percent
- Labor force participation, adults 18 and over68.9 percent
- Rank by population among Florida counties16th of 67
- Rank by population among US county-equivalents, Puerto Rico included171st of 3,222
Osceola County is the 16th 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 23.9 percent against 13.4 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Osceola County
Is Osceola County's population growing?
- Population, July 1, 2024468,058
- Census 2020 base population388,661
- Population change since the 2020 census base20.43 percent
- Population change, 2023 to 202420,815
- Births, 20244,953
- Deaths, 20242,991
- Natural change, 20241,962
- Net domestic migration, 20245,329
- Net international migration, 202413,509
- Total net migration, 202418,838
- Cumulative net domestic migration, 2021 to 202435,295
- Rank by growth among US county-equivalents18th of 3,144
The county has grown 20.43 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.
Osceola County
Where are people moving to Osceola County from?
- Tax returns filed by households arriving22,059
- People arriving, from those returns40,938
- Tax returns filed by households leaving18,237
- Net household movement3,822
- Adjusted gross income arriving$1.27 bn
- Net adjusted gross income movement$369.9 m
- Average income of an arriving household$57,385
- Average income of a leaving household$49,128
- Largest single originOrange County (7,085 households)
- Largest single destinationOrange County (5,442 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Orange County | 7,085 | 12,972 | $348.5 m |
| Polk County | 1,865 | 3,499 | $75.1 m |
| Miami-Dade County | 732 | 1,403 | $36.0 m |
| Broward County | 571 | 1,077 | $31.8 m |
| Seminole County | 445 | 816 | $24.5 m |
| Lake County | 418 | 708 | $18.9 m |
| Queens County | 389 | 748 | $22.2 m |
| Bronx County | 378 | 724 | $17.3 m |
Households arriving report $8,257 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 Orange 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.
Osceola County
What is the Osceola County economy?
- County GDP, 2024$20.40 bn
- County GDP, 2023$18.50 bn
- GDP change, 2023 to 202410.3 percent
- GDP change over five years67.5 percent
- Rank by GDP among the Florida areas BEA publishes20th of 67
- Rank by GDP among the US county areas BEA publishes256th of 3,127
- GDP per resident$47,725
Output grew 10.3 percent in the latest year and 67.5 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.
Osceola County
Employment by industry in Osceola County
- Covered employment, annual average115,837
- Establishments reporting10,530
- Average annual pay$52,525
- Average weekly wage$1,010
- Accommodation and food services, employment20,890
- Accommodation and food services, average annual pay$32,160
- Retail trade, employment18,780
- Retail trade, average annual pay$33,302
- Health care and social assistance, employment17,597
- Health care and social assistance, average annual pay$65,084
- Administrative and support and waste management services, employment10,663
- Administrative and support and waste management services, average annual pay$63,851
- Construction, employment7,092
- Professional, scientific and technical services, employment4,357
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Accommodation and food services | 20,890 | 939 | $32,160 |
| Retail trade | 18,780 | 1,211 | $33,302 |
| Health care and social assistance | 17,597 | 1,168 | $65,084 |
| Administrative and support and waste management services | 10,663 | 880 | $63,851 |
| Construction | 7,092 | 1,187 | $60,057 |
| Professional, scientific and technical services | 4,357 | 1,149 | $93,879 |
| Real estate and rental and leasing | 3,735 | 771 | $57,493 |
| Other services, except public administration | 3,049 | 741 | $42,110 |
Accommodation and food services is the largest private sector at 20,890 jobs, 18.0 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Osceola County
How many businesses are in Osceola County?
- Establishments, all industries8,617
- Employment at those establishments100,837
- Annual payroll$4.14 bn
- Establishments per 1,000 residents20.2
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.
Osceola County
Building permits in Osceola County
- Housing units authorized by permit, 20248,813
- Declared construction value permitted$1.82 bn
- Single family units authorized5,643
- Multifamily units authorized3,170
- Multifamily share of units36.0 percent
- Average declared value per unit$206,221
- Units authorized per 1,000 households61.7
Single-family homes are 64.0 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Osceola County
SBA loans in Osceola County (7(a) and 504)
- 7(a) approvals recorded429
- 7(a) gross approval dollars$194.9 m
- Average 7(a) approval$454,268
- Median 7(a) approval$150,000
- 10th percentile approval$20,000
- 90th percentile approval$1,056,400
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)3,854
- Jobs per approval9.0
- Distinct 7(a) lenders active83
- Distinct industries receiving approvals154
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer10.5 percent
- Loans on real estate terms45
- Loans on working capital terms, 120 months or shorter361
- Franchise loans51
- Franchise share of approvals11.9 percent
- Leading industry by approval countLimited-Service Restaurants (22)
- Most active lenderTD Bank, National Association (59)
- 504 approvals recorded100
- 504 gross approval dollars$105.9 m
- Average 504 approval$1,059,150
- Median 504 approval$749,000
- Distinct CDCs active5
- 504 jobs per approval9.1
- 504 jobs per million dollars approved8.6
- Most active CDCFlorida Business Development Corporation (53)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$300.8 m
The average approval of $454,268 sits well above the median of $150,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 10.5 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.
Osceola County
SBA loan default and charge-off rates in Osceola County
Do SBA loans in Osceola County get paid back?
- Loans with a final outcome recorded64
- Paid in full49
- Charged off15
- Charge-off rate on resolved loans23.4 percent
- Status: Paid in full49
- Status: Cancelled71
- Status: Exempt from disclosure271
- Status: Charged off15
- Status: Committed, not yet disbursed23
Of the 64 loans that have reached a final outcome, 23.4 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.
Osceola County
SBA lending by place in Osceola County
- Borrower cities with recorded lending8
- Kissimmee, approvals306
- St. Cloud, approvals101
- Champions Gate, approvals9
- Celebration, approvals4
- Davenport, approvals4
- Harmony, approvals3
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Kissimmee | 306 | $141,517,500 |
| St. Cloud | 101 | $43,881,200 |
| Champions Gate | 9 | $7,354,000 |
| Celebration | 4 | $807,600 |
| Davenport | 4 | $615,000 |
| Harmony | 3 | $335,000 |
| Myakka City | 1 | $350,000 |
| Kindred | 1 | $20,500 |
Kissimmee accounts for 306 approvals against 101 in St. Cloud. 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.
Osceola County
How large is Osceola County?
- Land area1,327 sq mi
- Rank by land area among Florida counties6th of 67
- Width, east to west48.5 mi
- Height, north to south48.7 mi
- Geographies sharing a boundary5
- Residents per square mile of land322
- Establishments per square mile6.49
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.
Osceola County
Flood risk in Osceola County
- Participation of the county's own NFIP community Osceola County, unincorporated areasParticipating, community 120189
- Community Rating System class of the county's own communityClass 5
- Communities in the county in the NFIP Community Status Book3
- Of those, participating in the NFIP3
- NFIP participation rate100.0 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 class3
- Radon levels in Osceola 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 Osceola County (community 120189), 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 Osceola 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. 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 Osceola 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 Osceola County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-2024427,415
- Households142,794
- Average household size2.99
- Median household income$72,637
- Median age37.1
Common questions
Osceola County questions, answered from the record.
How many people live in Osceola County, Florida?
The Census Bureau estimates 468,058 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 427,415, in 142,794 households, ranking 16th of 67 Florida counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Osceola County's population growing?
The population has grown 20.43 percent since the 2020 census base of 388,661, to 468,058 on July 1, 2024. In 2024 there were 4,953 births against 2,991 deaths, with net migration of 18,838. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Osceola County?
$72,637. The median owner-occupied home is valued at $353,300, which is 4.9 times income, and median gross rent is $1,746 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Osceola County?
8,617 establishments, employing 100,837 people with an annual payroll of $4.14 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 Osceola County?
Accommodation and food services is the largest private sector at 20,890 jobs, 18.0 percent of covered employment. Covered employment averages 115,837 jobs at an average annual pay of $52,525, or $1,010 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Osceola County?
429 7(a) approvals totaling $194.9 m since FY2020, across 83 lenders, with a median approval of $150,000, plus 100 504 approvals worth $105.9 m since FY2010. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Osceola County get paid back?
Of the 64 loans that have reached a final outcome, 49 were paid in full and 15 charged off, a charge-off rate of 23.4 percent. Loans still running are excluded, because they have not yet succeeded or failed.
How many building permits were issued in Osceola County?
8,813 housing units were authorized by permit in 2024, with a declared construction value of $1.82 bn. Multifamily was 36.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Osceola 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 Osceola County come from?
The largest single origin is Orange County, with 7,085 households. Arriving households report an average income of $57,385 against $49,128 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Osceola 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 Osceola 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.
Osceola County
Cities and places in Osceola.
8 Census places lie wholly or partly in Osceola County. All 8 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 |
|---|---|---|---|---|
| Kissimmee | city | 81,479 | 306 | Wholly in this county |
| Poinciana | CDP | 75,068 | None recorded | 48.3 percent here, 51.7 percent Polk County |
| St. Cloud | city | 65,130 | 101 | Wholly in this county |
| Four Corners | CDP | 65,048 | None recorded | 47.5 percent here, 32.8 percent Lake County, 12.3 percent Polk County, 7.4 percent Orange County |
| Buenaventura Lakes | CDP | 32,682 | None recorded | Wholly in this county |
| Celebration | CDP | 13,667 | 4 | Wholly in this county |
| Campbell | CDP | 2,123 | None recorded | Wholly in this county |
| Yeehaw Junction | CDP | 440 | None recorded | Wholly in this county |
A further 18 of the county's 429 SBA 7(a) approvals are to borrowers in cities that match no Census place in Osceola County, the largest being Champions Gate (9), Davenport (4), Harmony (3). 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