Bradford County, Florida: commercial real estate data.
Bradford County, Florida has a population of 27,885 across 294 square miles, down 0.8 percent since the 2020 census base. County output reached $975.7 m in 2024, 460 establishments operate here, and the SBA record carries 14 7(a) approvals worth $10.1 m.
123 sourced county values · tier FULL · 12 sections
Bradford County
How many people live in Bradford County
- Population27,885
- Households9,278
- Average household size3.01
- Median household income$63,050
- Median age40.2
- Median gross rent$863 per month
- Median owner-occupied home value$212,500
- Home value to household income3.4 times
- Annual rent as a share of median income16.4 percent
- Adults 25 and over with a bachelor degree or higher15.2 percent
- Adults 25 and over with a graduate degree4.3 percent
- Adults 25 and over20,118
- Population under 185,715
- Share under 1820.5 percent
- Population 65 and over5,068
- Share 65 and over18.2 percent
- Working age population, 18 to 6417,102
- Civilian labor force11,144
- Unemployment rate4.7 percent
- Labor force participation, adults 18 and over50.3 percent
- Rank by population among Florida counties51st of 67
- Rank by population among US county-equivalents1547th
Bradford County is the 51st largest of 67 Florida counties by population. A median home costs 3.4 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 20.5 percent against 18.2 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Bradford County
Is Bradford County growing
- Population change since the 2020 census base-0.81 percent
- Census 2020 base population28,305
- Births, 2024292
- Deaths, 2024353
- Natural change, 2024-61
- Net domestic migration, 2024345
- Net international migration, 20243
- Total net migration, 2024348
- Cumulative net domestic migration, 2021 to 202487
- Rank by growth among US county-equivalents2121st
The county has lost 0.81 percent of its population since the 2020 census base. Deaths exceeded births in 2024, so all of the growth came from people moving in. A market held up by migration alone is more sensitive to a change in relative cost than one growing from household formation.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Bradford County
Where people moving to Bradford County come from
- Tax returns filed by households arriving912
- People arriving, from those returns1,748
- Adjusted gross income arriving$39.8 m
- Net adjusted gross income movement$0
- Average income of an arriving household$43,634
- Largest single originBradford County Non-migrants (8,441 households)
- Largest single destination (8,441 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Bradford County Non-migrants | 8,441 | 17,315 | $499.4 m |
| Other flows - Same State | 195 | 342 | $7.9 m |
| Other flows - Different State | 174 | 361 | $7.8 m |
| Clay County | 154 | 310 | $8.3 m |
| Duval County | 123 | 225 | $5.9 m |
| Alachua County | 118 | 227 | $4.4 m |
| Other flows - South | 101 | 205 | $3.8 m |
| Union County | 53 | 104 | $2.0 m |
The largest single source of arrivals is Bradford 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.
Bradford County
What the Bradford County economy runs on
- County GDP, 2024$975.7 m
- County GDP, 2023$915.0 m
- GDP change, 2023 to 20246.6 percent
- GDP change over five years36.7 percent
- Rank by GDP among Florida counties52nd
- Rank by GDP among US county-equivalents1867th
- GDP per resident$34,992
Output grew 6.6 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.
Bradford County
Who employs people in Bradford County
- Covered employment, annual average6,314
- Establishments reporting566
- Average annual pay$48,898
- Average weekly wage$940
- Sector 44-45, employment1,172
- Sector 44-45, average annual pay$39,871
- Sector 72, employment775
- Sector 72, average annual pay$23,553
- Sector 48-49, employment605
- Sector 48-49, average annual pay$57,798
- Sector 62, employment514
- Sector 62, average annual pay$39,853
- Sector 23, employment334
- Sector 31-33, employment264
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 1,172 | 94 | $39,871 |
| Sector 72 | 775 | 54 | $23,553 |
| Sector 48-49 | 605 | 23 | $57,798 |
| Sector 62 | 514 | 58 | $39,853 |
| Sector 23 | 334 | 72 | $60,741 |
| Sector 31-33 | 264 | 18 | $57,314 |
| Sector 52 | 129 | 20 | $52,577 |
| Sector 54 | 128 | 40 | $57,018 |
The largest sector is the biggest private employer group at 1,172 jobs, 18.6 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.
Bradford County
What businesses operate in Bradford County
- Establishments, all industries460
- Employment at those establishments4,826
- Annual payroll$200.6 m
- Establishments per 1,000 residents16.5
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.
Bradford County
What is being built in Bradford County
- Housing units authorised by permit, 202490
- Declared construction value permitted$22.4 m
- Single family units authorised90
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$248,617
- Units authorised per 1,000 households9.7
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Bradford County
How much SBA lending happens in Bradford County
- 7(a) approvals recorded14
- 7(a) gross approval dollars$10.1 m
- Average 7(a) approval$723,643
- Median 7(a) approval$499,000
- 10th percentile approval$17,500
- 90th percentile approval$2,100,000
- Largest single approval$2,311,000
- Jobs reported supported, 7(a)102
- Jobs per approval7.3
- Distinct 7(a) lenders active11
- Distinct industries receiving approvals14
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer28.6 percent
- Loans on real estate terms4
- Loans on working capital terms, 120 months or shorter9
- Franchise loans2
- Franchise share of approvals14.3 percent
- Leading industry by approval countIndustrial Building Construction (1)
- Most active lenderTD Bank, National Association (3)
- 504 approvals recorded4
- 504 gross approval dollars$1.4 m
- Average 504 approval$352,750
- Median 504 approval$397,000
- Distinct CDCs active2
- 504 jobs per approval7.8
- 504 jobs per million dollars approved22.0
- Most active CDCFlorida First Capital Finance Corporation, Inc. (3)
- 7(a) share of SBA approvals77.8 percent
- Combined SBA approval dollars$11.5 m
The average approval of $723,643 sits well above the median of $499,000, 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. Only 28.6 percent of approvals run on real estate terms, so SBA credit here is mostly working capital and equipment rather than property acquisition.
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.
Bradford County
Do SBA loans in Bradford County get paid back
- Loans with a final outcome recorded2
- Paid in full2
- Charged off0
- Status: Exempt from disclosure9
- Status: Paid in full2
- Status: Committed, not yet disbursed1
- Status: Cancelled2
Too few loans have reached a final outcome to publish a charge off rate. only 2 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.
Bradford County
Which parts of Bradford County get the lending
- Places in the county with recorded lending3
- STARKE, approvals11
- Lawtey, approvals2
- MELROSE, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| STARKE | 11 | $10,068,500 |
| Lawtey | 2 | $27,500 |
| MELROSE | 1 | $35,000 |
STARKE accounts for 11 approvals against 2 in Lawtey. 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.
Bradford County
How big is Bradford County
- Land area294 sq mi
- Rank by land area among Florida counties65th of 67
- Width, east to west22.3 mi
- Height, north to south29.3 mi
- Geographies sharing a boundary5
- Residents per square mile of land95
- Establishments per square mile1.56
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.
Bradford County
What hazards affect Bradford County
- EPA radon zone predicted average indoor radon screening level less than 2 pCi/LZone 3
- Communities in the NFIP Community Status Book5
- Of those, participating in the NFIP5
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
The EPA places the county in radon zone 3, a predicted average indoor radon screening level less than 2 pCi/L.
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 Bradford 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 Bradford County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population27,885
- Households9,278
- Average household size3.01
- Median household income$63,050
- Median age40.2
Common questions
Bradford County questions, answered from the record.
How many people live in Bradford County, Florida?
27,885, in 9,278 households, ranking 51st of 67 Florida counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Bradford County growing?
The population has fallen 0.81 percent since the 2020 census base. In 2024 there were 292 births against 353 deaths, with net migration of 348. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Bradford County?
$63,050. The median owner-occupied home is valued at $212,500, which is 3.4 times income, and median gross rent is $863 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Bradford County?
460 establishments, employing 4,826 people with an annual payroll of $200.6 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 Bradford County?
Average annual pay is $48,898, or $940 a week, across 6,314 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Bradford County?
14 7(a) approvals totalling $10.1 m since FY2020, across 11 lenders, with a median approval of $499,000, plus 4 504 approvals worth $1.4 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Bradford County?
90 housing units were authorised by permit in 2024, with a declared construction value of $22.4 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Bradford 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 Bradford County come from?
The largest single origin is Bradford County Non-migrants, with 8,441 households. Arriving households report an average income of $43,634 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 Bradford 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 Bradford 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.