HomeFloridaPolk CountyBartow city
Bartow city, Florida: commercial real estate data.
Bartow city is a Census city of 20,438 people across 46.48 square miles of land, in Polk County. Median household income is $68,178, 65.9 percent of occupied homes are owned, and the SBA record carries 22 7(a) approvals to borrowers here worth $15.4 m.
80 sourced place values · tier FULL · 9 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Bartow
What Bartow is
- Census place typecity
- Land area46.48 sq mi
- Water area6.37 sq mi
- Population per square mile of land440
- County holding the largest share of its areaPolk 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.
Bartow
How many people live in Bartow
- Population20,438
- Median age36.5
- Population under 184,134
- Share under 1820.2 percent
- Population 65 and over3,376
- Share 65 and over16.5 percent
- Households7,439
- Family households4,977
- Share of households that are families66.9 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Bartow
Income and work in Bartow
- Median household income$68,178
- Per capita income$33,475
- Civilian labor force10,532
- Employed10,065
- Unemployed467 plus or minus 159
- Unemployment rate4.4 percent plus or minus 1.5
- Adults 25 and over14,597
- Adults 25 and over with a high school diploma or higher91.7 percent
- Adults 25 and over with a bachelor degree or higher22.8 percent
- Adults 25 and over with a graduate degree6.4 percent plus or minus 1.6
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Bartow
Housing in Bartow
- Housing units8,019
- Occupied units7,439
- Vacant units580 plus or minus 204
- Vacancy rate7.2 percent plus or minus 2.5
- Owner occupied4,901
- Renter occupied2,538
- Ownership rate65.9 percent
- Median owner-occupied home value$234,100
- Median gross rent, monthly$1,142
- Annual rent as a share of median income20.1 percent
- Single family units5,827
- Share single family72.7 percent
- Units in buildings of two or more1,672 plus or minus 350
- Share in buildings of two or more20.9 percent plus or minus 4.2
- Mobile homes520 plus or minus 133
- Median year structure built1979
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Bartow
How Bartow gets to work
- Workers 16 and over who commute9,213
- Commuting under 15 minutes2,435 plus or minus 606
- Share commuting under 15 minutes26.4 percent plus or minus 6.3
- Commuting 30 minutes or more3,270
- Share commuting 30 minutes or more35.5 percent
- Drove alone78.7 percent
- Carpooled11.0 percent plus or minus 3.6
- Public transport0.0 percent
- Walked1.6 percent plus or minus 0.9
- Worked from home7.9 percent plus or minus 2.0
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Bartow
SBA loans in Bartow (7(a))
- Approvals22
- Gross approval$15,431,800
- Average approval$701,445
- Median approval$310,000
- Ninetieth percentile approval$1,516,200
- Largest approval$3,876,800
- Jobs supported203
- Jobs per approval9.2
- Loans with a final outcome6
- Paid in full6
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more40.9 percent
- Share to franchises9.1 percent
- Distinct lenders16
- Distinct industries by NAICS17
A charge-off rate is not published here. only 6 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.
Bartow
SBA loans in Bartow (504)
- Approvals8
- Gross approval$3,899,000
- Average approval$487,375
- Median approval$380,000
- Largest approval$1,598,000
- Jobs supported56
- Loans with a final outcome1
- Charged off0
- Median term240 months
- Distinct CDCs2
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Bartow
Flood risk in Bartow
- Listed NFIP communities1
- Of those, participating1
- NFIP community number120263
- Currently effective map date12/22/16
This community carries no Community Rating System class, so no CRS premium discount applies to it.
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
Polk County, not Bartow
Polk County context, not Bartow figures
These are Polk County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Bartow measurements.
- Establishments in Polk County13,992
- Employment at those establishments, Polk County232,278
- Covered employment, Polk County260,590
- Average annual pay, Polk County$55,697
- Average weekly wage, Polk County$1,071
- Housing units permitted, Polk County10,384
- Of those, single family, Polk County8,514
- County product, 2024, Polk County$44,304,039,000
- County product change over the prior year, Polk County6.1 percent
- Average income of an arriving household, Polk County$56,052
Every figure in this section is published for Polk County as a whole and is not a measurement of Bartow. 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
Bartow questions, answered from the record.
How many people live in Bartow, Florida?
20,438, in 7,439 households. Bartow city covers 46.48 square miles of land, which is 440 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Bartow in?
Polk 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 Bartow?
$68,178. The median owner-occupied home is valued at $234,100. Median gross rent is $1,142 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Bartow businesses?
22 7(a) approvals totalling $15.4 m, across 16 lenders, median approval $310,000, plus 8 504 approvals worth $3.9 m. These count approvals to borrowers whose address is in Bartow, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Bartow borrowers get paid back?
No rate is published for Bartow. only 6 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 Bartow in the National Flood Insurance Program?
Yes. Bartow appears in the FEMA Community Status Book as community 120263, with no Community Rating System class, so no CRS discount applies. 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 Bartow figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Polk 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 Bartow.
Is zoning published for Bartow?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.