HomeFloridaSanta Rosa CountyJay
Jay, Florida: commercial real estate data.
Jay 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 since FY2020.
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
- 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
Counted by borrower city: approvals to borrowers whose address is in Jay, in any county, FY2020 to FY2026. Only 0 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.
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
Counted by borrower city: approvals to borrowers whose address is in Jay, in any county, FY2010 to FY2026. Only 0 loans have 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.
Jay
Flood risk in Jay
- NFIP communityTown of Jay
- NFIP community number120339
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date11/19/21
The Town of Jay participates in the National Flood Insurance Program as community 120339 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.
Santa Rosa County, not Jay
Santa Rosa County context, not Jay figures
- Establishments in Santa Rosa County3,442
- Covered employment, Santa Rosa County43,548
- Average annual pay, Santa Rosa County$51,217
- Housing units permitted, Santa Rosa County1,983
Every figure in this section is published for Santa Rosa County as a whole and is not a measurement of Jay.
All Santa Rosa County figures →
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
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 totaling $50,000 since FY2020, across 1 lenders, median approval $50,000, plus 1 504 approvals worth $1.6 m since FY2010. 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 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 Jay in the National Flood Insurance Program?
Yes. Jay appears in the FEMA Community Status Book as Jay, town of, 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 labeled 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?
No. Nothing on this page presents parcel level zoning.
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