Baker County, Florida: commercial real estate data.
Baker County, Florida has a population of 28,430 across 585 square miles, up 3.8 percent since the 2020 census base. County output reached $1.05 bn in 2024, 461 establishments operate here, and the SBA record carries 13 7(a) approvals worth $8.0 m.
123 sourced county values · tier FULL · 12 sections
Baker County
How many people live in Baker County
- Population28,430
- Households9,165
- Average household size3.10
- Median household income$79,836
- Median age38.1
- Median gross rent$1,302 per month
- Median owner-occupied home value$256,700
- Home value to household income3.2 times
- Annual rent as a share of median income19.6 percent
- Adults 25 and over with a bachelor degree or higher17.8 percent
- Adults 25 and over with a graduate degree6.1 percent
- Adults 25 and over19,020
- Population under 186,895
- Share under 1824.3 percent
- Population 65 and over4,335
- Share 65 and over15.2 percent
- Working age population, 18 to 6417,200
- Civilian labor force12,723
- Unemployment rate4.5 percent
- Labor force participation, adults 18 and over59.1 percent
- Rank by population among Florida counties50th of 67
- Rank by population among US county-equivalents1527th
Baker County is the 50th largest of 67 Florida counties by population. A median home costs 3.2 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 24.3 percent against 15.2 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Baker County
Is Baker County growing
- Population change since the 2020 census base3.75 percent
- Census 2020 base population28,264
- Births, 2024368
- Deaths, 2024334
- Natural change, 202434
- Net domestic migration, 2024709
- Net international migration, 202441
- Total net migration, 2024750
- Cumulative net domestic migration, 2021 to 2024941
- Rank by growth among US county-equivalents736th
The county has grown 3.75 percent since the 2020 census base. Migration contributed more to 2024 change than births over deaths, so demand here follows people arriving rather than families forming.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Baker County
Where people moving to Baker County come from
- Tax returns filed by households arriving771
- People arriving, from those returns1,530
- Adjusted gross income arriving$42.0 m
- Net adjusted gross income movement$0
- Average income of an arriving household$54,446
- Largest single originBaker County Non-migrants (9,384 households)
- Largest single destination (9,384 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Baker County Non-migrants | 9,384 | 20,446 | $630.0 m |
| Duval County | 306 | 626 | $17.6 m |
| Other flows - Different State | 154 | 305 | $8.9 m |
| Other flows - Same State | 130 | 230 | $5.6 m |
| Other flows - South | 101 | 206 | $5.6 m |
| Clay County | 79 | 173 | $4.2 m |
| Other flows - West | 33 | 67 | $2.1 m |
| Nassau County | 30 | 55 | $1.8 m |
The largest single source of arrivals is Baker County Non-migrants, which is the catchment a retail or multifamily study should look at first.
US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Baker County
What the Baker County economy runs on
- County GDP, 2024$1.05 bn
- County GDP, 2023$951.7 m
- GDP change, 2023 to 202410.7 percent
- GDP change over five years36.7 percent
- Rank by GDP among Florida counties51st
- Rank by GDP among US county-equivalents1806th
- GDP per resident$37,061
Output grew 10.7 percent in the latest year and 36.7 percent over five, which is the trend line a lender will read behind any single year figure.
US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024.
Baker County
Who employs people in Baker County
- Covered employment, annual average7,548
- Establishments reporting522
- Average annual pay$44,619
- Average weekly wage$858
- Sector 48-49, employment1,169
- Sector 48-49, average annual pay$44,224
- Sector 44-45, employment1,124
- Sector 44-45, average annual pay$36,385
- Sector 62, employment872
- Sector 62, average annual pay$48,566
- Sector 72, employment633
- Sector 72, average annual pay$22,808
- Sector 23, employment487
- Sector 81, employment161
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 48-49 | 1,169 | 27 | $44,224 |
| Sector 44-45 | 1,124 | 77 | $36,385 |
| Sector 62 | 872 | 59 | $48,566 |
| Sector 72 | 633 | 44 | $22,808 |
| Sector 23 | 487 | 83 | $52,524 |
| Sector 81 | 161 | 54 | $36,651 |
| Sector 42 | 150 | 15 | $67,268 |
| Sector 52 | 136 | 23 | $53,004 |
The largest sector is the biggest private employer group at 1,169 jobs, 15.5 percent of covered employment. Average pay per job sits below median household income, so households here typically need more than one earner.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Baker County
What businesses operate in Baker County
- Establishments, all industries461
- Employment at those establishments6,203
- Annual payroll$280.4 m
- Establishments per 1,000 residents16.2
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against.
US Census Bureau, County Business Patterns, 2023.
Baker County
What is being built in Baker County
- Housing units authorised by permit, 202499
- Declared construction value permitted$24.1 m
- Single family units authorised99
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$243,499
- Units authorised per 1,000 households10.8
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Baker County
How much SBA lending happens in Baker County
- 7(a) approvals recorded13
- 7(a) gross approval dollars$8.0 m
- Average 7(a) approval$614,508
- Median 7(a) approval$284,400
- 10th percentile approval$70,000
- 90th percentile approval$1,916,000
- Largest single approval$2,945,000
- Jobs reported supported, 7(a)85
- Jobs per approval6.5
- Distinct 7(a) lenders active8
- Distinct industries receiving approvals13
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer30.8 percent
- Loans on real estate terms4
- Loans on working capital terms, 120 months or shorter7
- Franchise loans1
- Franchise share of approvals7.7 percent
- Leading industry by approval countLessors of Miniwarehouses and Self-Storage Units (1)
- Most active lenderFirst Federal Bank (6)
- 504 approvals recorded7
- 504 gross approval dollars$1.3 m
- Average 504 approval$188,000
- Median 504 approval$154,000
- Distinct CDCs active3
- 504 jobs per approval6.6
- 504 jobs per million dollars approved35.0
- Most active CDCFlorida First Capital Finance Corporation, Inc. (4)
- 7(a) share of SBA approvals65.0 percent
- Combined SBA approval dollars$9.3 m
The average approval of $614,508 sits well above the median of $284,400, so a small number of large deals is pulling the mean up. The median is the better guide to what a typical borrower here actually gets. 30.8 percent of approvals run on real estate terms of 240 months or more, so this is a market where SBA credit is buying buildings, not just funding operations.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30. US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Baker County
Do SBA loans in Baker County get paid back
- Loans with a final outcome recorded0
- Paid in full0
- Charged off0
- Status: Exempt from disclosure8
- Status: Cancelled4
- Status: Committed, not yet disbursed1
Too few loans have reached a final outcome to publish a charge off rate. only 0 resolved loans, too few to publish a rate. A rate computed on a handful of loans is noise, so none is shown.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Baker County
Which parts of Baker County get the lending
- Places in the county with recorded lending3
- MACCLENNY, approvals8
- GLEN SAINT MARY, approvals3
- SANDERSON, approvals2
| Place | Approvals | Gross approval dollars |
|---|---|---|
| MACCLENNY | 8 | $6,872,200 |
| GLEN SAINT MARY | 3 | $771,900 |
| SANDERSON | 2 | $344,500 |
MACCLENNY accounts for 8 approvals against 3 in GLEN SAINT MARY. County level figures average over that gap, which is why a site decision is made at the submarket rather than the county.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Baker County
How big is Baker County
- Land area585 sq mi
- Rank by land area among Florida counties46th of 67
- Width, east to west24.5 mi
- Height, north to south30.9 mi
- Geographies sharing a boundary6
- Residents per square mile of land49
- Establishments per square mile0.79
US Census Bureau county boundary geometry, TIGER, adjacency computed from shared boundary vertices, TIGER county boundaries. US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year. US Census Bureau, County Business Patterns, 2023.
Baker County
What hazards affect Baker County
- EPA radon zone predicted average indoor radon screening level less than 2 pCi/LZone 3
- Communities in the NFIP Community Status Book2
- Of those, participating in the NFIP2
- NFIP participation rate100.0 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 10
- Communities carrying a CRS class1
The EPA places the county in radon zone 3, a predicted average indoor radon screening level less than 2 pCi/L. The best Community Rating System class in the county is 10, which carries a flood insurance premium discount for properties in the participating community.
US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001. FEMA OpenFEMA, NFIP Community Status Book, Community Status Book, as retrieved.
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.
- Flood zone record counts are not held. The flood coverage export has not landed, so no count is shown rather than an estimated one.
- Traffic counts resolve in the platform, not in this dataset, so no AADT figure is printed here.
- Zoning is in build. Parcel level zoning is not published on this page.
Feasibility studies
When a Baker County site needs a document a lender will accept.
The same data layer behind this page is the one the studies are written from. A study for a Baker County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population28,430
- Households9,165
- Average household size3.10
- Median household income$79,836
- Median age38.1
Common questions
Baker County questions, answered from the record.
How many people live in Baker County, Florida?
28,430, in 9,165 households, ranking 50th of 67 Florida counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Baker County growing?
The population has grown 3.75 percent since the 2020 census base. In 2024 there were 368 births against 334 deaths, with net migration of 750. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Baker County?
$79,836. The median owner-occupied home is valued at $256,700, which is 3.2 times income, and median gross rent is $1,302 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Baker County?
461 establishments, employing 6,203 people with an annual payroll of $280.4 m. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in Baker County?
Average annual pay is $44,619, or $858 a week, across 7,548 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Baker County?
13 7(a) approvals totalling $8.0 m since FY2020, across 8 lenders, with a median approval of $284,400, plus 7 504 approvals worth $1.3 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Baker County?
99 housing units were authorised by permit in 2024, with a declared construction value of $24.1 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Baker County?
Zone 3, a predicted average indoor radon screening level less than 2 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Baker County come from?
The largest single origin is Baker County Non-migrants, with 9,384 households. Arriving households report an average income of $54,446 against null for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Baker County on this page?
No. Annual average daily traffic resolves in the platform rather than in this dataset, so no AADT figure is printed here. It is a gap we know about rather than a figure we estimated.
Is zoning published for Baker County?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame with confirm locally attached.