HomeFloridaPolk CountyBartow
Bartow, Florida: commercial real estate data.
Bartow 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 since FY2020.
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$293,000
- Ninetieth percentile approval$1,494,900
- 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
Counted by borrower city: approvals to borrowers whose address is in Bartow, in any county, FY2020 to FY2026. Only 6 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.
Bartow
SBA loans in Bartow (504)
- Approvals8
- Gross approval$3,899,000
- Average approval$487,375
- Median approval$366,500
- Largest approval$1,598,000
- Jobs supported56
- Loans with a final outcome1
- Charged off0
- Median term240 months
- Distinct CDCs2
Counted by borrower city: approvals to borrowers whose address is in Bartow, in any county, FY2010 to FY2026. Only 1 loan has 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.
Bartow
Flood risk in Bartow
- NFIP communityCity of Bartow
- NFIP community number120263
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date12/22/16
The City of Bartow participates in the National Flood Insurance Program as community 120263 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Polk County, not Bartow
Polk County context, not Bartow figures
- Establishments in Polk County13,992
- Covered employment, Polk County260,590
- Average annual pay, Polk County$55,697
- Housing units permitted, Polk County10,384
Every figure in this section is published for Polk County as a whole and is not a measurement of Bartow.
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
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 totaling $15.4 m since FY2020, across 16 lenders, median approval $293,000, plus 8 504 approvals worth $3.9 m since FY2010. 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 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 Bartow in the National Flood Insurance Program?
Yes. Bartow appears in the FEMA Community Status Book as Bartow, city of, 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 labeled 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?
No. Nothing on this page presents parcel level zoning.