HomeMassachusettsDukes CountyOak Bluffs
Oak Bluffs, Massachusetts: commercial real estate data.
Oak Bluffs is a Census CDP of 1,184 people across 1.81 square miles of land, in Dukes County. 59.8 percent of occupied homes are owned, and the SBA record carries 9 7(a) approvals to borrowers here worth $767,900 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
This is a small place, and the figures below carry wide margins.
The American Community Survey reaches Oak Bluffs through a sample, not a count, and in a place this size that sample is thin. The population estimate here is 1,184 with a margin of error of plus or minus 610, which is 51.5 percent of the estimate itself. Every figure whose margin reaches 20 percent is printed with that margin beside it, so you can see the width of each one rather than having to assume it.
Nothing has been removed or adjusted. These are the published federal estimates, shown with the uncertainty the Census publishes alongside them.
Oak Bluffs
What Oak Bluffs is
- Census place typeCDP
- Land area1.81 sq mi
- Water area0.1 sq mi
- Population per square mile of land654 plus or minus 337
- County holding the largest share of its areaDukes 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.
Oak Bluffs
How many people live in Oak Bluffs
- Population1,184 plus or minus 610
- Median age53.8 plus or minus 22.3
- Population under 18182 plus or minus 165
- Share under 1815.4 percent plus or minus 11.5
- Population 65 and over414 plus or minus 251
- Share 65 and over35.0 percent plus or minus 11.1
- Households684 plus or minus 316
- Family households279 plus or minus 200
- Share of households that are families40.8 percent plus or minus 22.4
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Oak Bluffs
Income and work in Oak Bluffs
- Per capita income$56,228 plus or minus $14,035
- Civilian labor force427 plus or minus 359
- Employed405 plus or minus 353
- Unemployed22 plus or minus 33
- Unemployment rate5.2 percent plus or minus 6.4
- Adults 25 and over1,002 plus or minus 474
- Adults 25 and over with a high school diploma or higher100.0 percent plus or minus 62.0
- Adults 25 and over with a bachelor degree or higher35.8 percent plus or minus 15.4
- Adults 25 and over with a graduate degree28.7 percent plus or minus 14.1
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Oak Bluffs
Housing in Oak Bluffs
- Housing units2,462
- Occupied units684 plus or minus 316
- Vacant units1,778 plus or minus 360
- Vacancy rate72.2 percent
- Owner occupied409 plus or minus 259
- Renter occupied275 plus or minus 223
- Ownership rate59.8 percent plus or minus 25.9
- Median gross rent, monthly$1,077 plus or minus $760
- Single family units2,127
- Share single family86.4 percent
- Units in buildings of two or more335 plus or minus 232
- Share in buildings of two or more13.6 percent plus or minus 9.1
- Mobile homes0
- Median year structure built1943
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Oak Bluffs
How Oak Bluffs gets to work
- Workers 16 and over who commute369 plus or minus 333
- Commuting under 15 minutes369 plus or minus 313
- Share commuting under 15 minutes100.0 percent plus or minus 123.8
- Commuting 30 minutes or more0
- Share commuting 30 minutes or more0.0 percent
- Drove alone26.4 percent plus or minus 16.6
- Carpooled46.4 percent plus or minus 27.4
- Public transport0.0 percent
- Walked18.3 percent plus or minus 27.3
- Worked from home8.9 percent plus or minus 13.8
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Oak Bluffs
SBA loans in Oak Bluffs (7(a))
- Approvals9
- Gross approval$767,900
- Average approval$85,322
- Median approval$50,000
- Largest approval$251,000
- Jobs supported129
- Jobs per approval14.3
- 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 lenders7
- Distinct industries by NAICS7
Counted by borrower city: approvals to borrowers whose address is in Oak Bluffs, 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.
Oak Bluffs
SBA loans in Oak Bluffs (504)
- Approvals5
- Gross approval$4,509,000
- Average approval$901,800
- Median approval$949,000
- Largest approval$1,379,000
- Jobs supported82
- Loans with a final outcome0
- Charged off0
- Median term300 months
- Distinct CDCs2
Counted by borrower city: approvals to borrowers whose address is in Oak Bluffs, 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.
Oak Bluffs
Flood risk in Oak Bluffs
- NFIP communityTown of Oak Bluffs
- NFIP community number250072
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date07/20/16
The Town of Oak Bluffs participates in the National Flood Insurance Program as community 250072 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.
Dukes County, not Oak Bluffs
Dukes County context, not Oak Bluffs figures
- Establishments in Dukes County1,251
- Covered employment, Dukes County9,176
- Average annual pay, Dukes County$71,428
- Housing units permitted, Dukes County103
Every figure in this section is published for Dukes County as a whole and is not a measurement of Oak Bluffs.
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
Oak Bluffs questions, answered from the record.
How many people live in Oak Bluffs, Massachusetts?
1,184, in 684 households. Oak Bluffs CDP covers 1.81 square miles of land, which is 654 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Oak Bluffs in?
Dukes County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
How much SBA lending goes to Oak Bluffs businesses?
9 7(a) approvals totaling $767,900 since FY2020, across 7 lenders, median approval $50,000, plus 5 504 approvals worth $4.5 m since FY2010. These count approvals to borrowers whose address is in Oak Bluffs, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Oak Bluffs borrowers get paid back?
No rate is published for Oak Bluffs. 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 Oak Bluffs in the National Flood Insurance Program?
Yes. Oak Bluffs appears in the FEMA Community Status Book as Oak Bluffs, town of, community 250072, 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 Oak Bluffs figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Dukes 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 Oak Bluffs.
Is zoning published for Oak Bluffs?
No. Nothing on this page presents parcel level zoning.
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