HomeFloridaSanta Rosa CountyJay town
Jay town, Florida: commercial real estate data.
Jay town is a Census town of 796 people across 1.66 square miles of land, in Santa Rosa County. Median household income is $48,359, 38.2 percent of occupied homes are owned, and the SBA record carries 1 7(a) approvals to borrowers here worth $50,000.
80 sourced place values · tier FULL · 9 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Jay
What Jay is
- Census place typetown
- Land area1.66 sq mi
- Water area0 sq mi
- Population per square mile of land480 plus or minus 193
- County holding the largest share of its areaSanta Rosa 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.
Jay
How many people live in Jay
- Population796 plus or minus 320
- Median age30.8 plus or minus 9.8
- Population under 18218 plus or minus 86
- Share under 1827.4 percent plus or minus 15.4
- Population 65 and over76 plus or minus 38
- Share 65 and over9.5 percent plus or minus 2.8
- Households301 plus or minus 119
- Family households216 plus or minus 103
- Share of households that are families71.8 percent plus or minus 19.1
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Jay
Income and work in Jay
- Median household income$48,359 plus or minus $20,763
- Per capita income$22,633 plus or minus $6,553
- Civilian labor force333 plus or minus 128
- Employed297 plus or minus 112
- Unemployed36 plus or minus 43
- Unemployment rate10.8 percent plus or minus 12.2
- Adults 25 and over453 plus or minus 196
- Adults 25 and over with a high school diploma or higher72.8 percent plus or minus 39.1
- Adults 25 and over with a bachelor degree or higher14.8 percent plus or minus 4.3
- Adults 25 and over with a graduate degree5.3 percent plus or minus 4.6
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Jay
Housing in Jay
- Housing units366 plus or minus 120
- Occupied units301 plus or minus 119
- Vacant units65 plus or minus 34
- Vacancy rate17.8 percent plus or minus 7.2
- Owner occupied115 plus or minus 53
- Renter occupied186 plus or minus 89
- Ownership rate38.2 percent plus or minus 9.0
- Median owner-occupied home value$150,800 plus or minus $101,708
- Median gross rent, monthly$1,117
- Annual rent as a share of median income27.7 percent plus or minus 12.3
- Single family units247 plus or minus 98
- Share single family67.5 percent plus or minus 15.2
- Units in buildings of two or more75 plus or minus 45
- Share in buildings of two or more20.5 percent plus or minus 10.2
- Mobile homes44 plus or minus 37
- Median year structure built1969
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Jay
How Jay gets to work
- Workers 16 and over who commute269 plus or minus 100
- Commuting under 15 minutes61 plus or minus 29
- Share commuting under 15 minutes22.7 percent plus or minus 6.9
- Commuting 30 minutes or more153 plus or minus 67
- Share commuting 30 minutes or more56.9 percent plus or minus 13.2
- Drove alone77.4 percent plus or minus 15.5
- Carpooled15.1 percent plus or minus 9.2
- Public transport0.0 percent
- Walked0.0 percent
- Worked from home3.6 percent plus or minus 4.1
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Jay
SBA loans in Jay (7(a))
- Approvals1
- Gross approval$50,000
- Average approval$50,000
- Median approval$50,000
- Ninetieth percentile approval$50,000
- Largest approval$50,000
- Jobs supported7
- Jobs per approval7.0
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises0.0 percent
- Distinct lenders1
- Distinct industries by NAICS1
A charge-off rate is not published here. only 0 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.
Jay
SBA loans in Jay (504)
- Approvals1
- Gross approval$1,570,000
- Average approval$1,570,000
- Median approval$1,570,000
- Largest approval$1,570,000
- Jobs supported40
- Loans with a final outcome0
- Charged off0
- Median term300 months
- Distinct CDCs1
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Jay
Flood risk in Jay
- Listed NFIP communities1
- Of those, participating1
- NFIP community number120339
- Currently effective map date11/19/21
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.
Santa Rosa County, not Jay
Santa Rosa County context, not Jay figures
These are Santa Rosa County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Jay measurements.
- Establishments in Santa Rosa County3,442
- Employment at those establishments, Santa Rosa County32,335
- Covered employment, Santa Rosa County43,548
- Average annual pay, Santa Rosa County$51,217
- Average weekly wage, Santa Rosa County$985
- Housing units permitted, Santa Rosa County1,983
- Of those, single family, Santa Rosa County1,851
- County product, 2024, Santa Rosa County$7,898,661,000
- County product change over the prior year, Santa Rosa County6.7 percent
- Average income of an arriving household, Santa Rosa County$76,882
Every figure in this section is published for Santa Rosa County as a whole and is not a measurement of Jay. 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
Jay questions, answered from the record.
How many people live in Jay, Florida?
796, in 301 households. Jay town covers 1.66 square miles of land, which is 480 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Jay in?
Santa Rosa 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 Jay?
$48,359. The median owner-occupied home is valued at $150,800. Median gross rent is $1,117 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Jay businesses?
1 7(a) approvals totalling $50,000, across 1 lenders, median approval $50,000, plus 1 504 approvals worth $1.6 m. These count approvals to borrowers whose address is in Jay, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Jay borrowers get paid back?
No rate is published for Jay. only 0 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 Jay in the National Flood Insurance Program?
Yes. Jay appears in the FEMA Community Status Book as community 120339, 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 Jay figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Santa Rosa 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 Jay.
Is zoning published for Jay?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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