Calhoun County, Florida: commercial real estate data.
Calhoun County, Florida has a population of 13,492 across 567 square miles, down 2.7 percent since the 2020 census base. County output reached $506.1 m in 2024, 185 establishments operate here, and the SBA record carries 3 7(a) approvals worth $2.5 m.
116 sourced county values · tier FULL · 11 sections
Calhoun County
How many people live in Calhoun County
- Population13,492
- Households4,636
- Average household size2.91
- Median household income$50,517
- Median age42.2
- Median gross rent$779 per month
- Median owner-occupied home value$145,300
- Home value to household income2.9 times
- Annual rent as a share of median income18.5 percent
- Adults 25 and over with a bachelor degree or higher13.6 percent
- Adults 25 and over with a graduate degree4.3 percent
- Adults 25 and over9,871
- Population under 182,668
- Share under 1819.8 percent
- Population 65 and over2,506
- Share 65 and over18.6 percent
- Working age population, 18 to 648,318
- Civilian labor force4,866
- Unemployment rate8.0 percent
- Labor force participation, adults 18 and over45.0 percent
- Rank by population among Florida counties63rd of 67
- Rank by population among US county-equivalents2256th
Calhoun County is the 63rd largest of 67 Florida counties by population. A median home costs 2.9 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 19.8 percent against 18.6 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Calhoun County
Is Calhoun County growing
- Population change since the 2020 census base-2.67 percent
- Census 2020 base population13,642
- Births, 2024121
- Deaths, 2024210
- Natural change, 2024-89
- Net domestic migration, 2024-149
- Net international migration, 202419
- Total net migration, 2024-130
- Cumulative net domestic migration, 2021 to 2024-100
- Rank by growth among US county-equivalents2675th
The county has lost 2.67 percent of its population since the 2020 census base.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Calhoun County
Where people moving to Calhoun County come from
- Tax returns filed by households arriving354
- People arriving, from those returns686
- Adjusted gross income arriving$14.8 m
- Net adjusted gross income movement$0
- Average income of an arriving household$41,811
- Largest single originCalhoun County Non-migrants (3,914 households)
- Largest single destination (3,914 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Calhoun County Non-migrants | 3,914 | 8,294 | $223.2 m |
| Other flows - Same State | 103 | 225 | $4.4 m |
| Other flows - Different State | 74 | 144 | $4.1 m |
| Jackson County | 56 | 105 | $2.2 m |
| Other flows - South | 54 | 99 | $3.0 m |
| Leon County | 46 | 59 | $1.0 m |
| Bay County | 45 | 91 | $2.0 m |
| Liberty County | 30 | 62 | $1.1 m |
The largest single source of arrivals is Calhoun 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.
Calhoun County
What the Calhoun County economy runs on
- County GDP, 2024$506.1 m
- County GDP, 2023$467.8 m
- GDP change, 2023 to 20248.2 percent
- GDP change over five years64.5 percent
- Rank by GDP among Florida counties61st
- Rank by GDP among US county-equivalents2401st
- GDP per resident$37,514
Output grew 8.2 percent in the latest year and 64.5 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.
Calhoun County
Who employs people in Calhoun County
- Covered employment, annual average3,198
- Establishments reporting261
- Average annual pay$41,721
- Average weekly wage$802
- Sector 62, employment941
- Sector 62, average annual pay$43,663
- Sector 44-45, employment330
- Sector 44-45, average annual pay$29,202
- Sector 23, employment244
- Sector 23, average annual pay$46,591
- Sector 72, employment225
- Sector 72, average annual pay$19,312
- Sector 42, employment126
- Sector 48-49, employment67
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 941 | 42 | $43,663 |
| Sector 44-45 | 330 | 45 | $29,202 |
| Sector 23 | 244 | 36 | $46,591 |
| Sector 72 | 225 | 14 | $19,312 |
| Sector 42 | 126 | 10 | $32,046 |
| Sector 48-49 | 67 | 10 | $55,844 |
| Sector 56 | 40 | 12 | $39,973 |
| Sector 81 | 36 | 13 | $42,872 |
The largest sector is the biggest private employer group at 941 jobs, 29.4 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.
Calhoun County
What businesses operate in Calhoun County
- Establishments, all industries185
- Employment at those establishments1,657
- Annual payroll$59.9 m
- Establishments per 1,000 residents13.7
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.
Calhoun County
What is being built in Calhoun County
- Housing units authorised by permit, 202428
- Declared construction value permitted$5.2 m
- Single family units authorised28
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$186,468
- Units authorised per 1,000 households6.0
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Calhoun County
How much SBA lending happens in Calhoun County
- 7(a) approvals recorded3
- 7(a) gross approval dollars$2.5 m
- Average 7(a) approval$833,333
- Median 7(a) approval$100,000
- 10th percentile approval$10,000
- 90th percentile approval$2,390,000
- Largest single approval$2,390,000
- Jobs reported supported, 7(a)18
- Jobs per approval6.0
- Distinct 7(a) lenders active2
- Distinct industries receiving approvals2
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer0.0 percent
- Loans on real estate terms0
- Loans on working capital terms, 120 months or shorter2
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countElectronic Shopping and Mail-Order Houses (2)
- Most active lenderUnited Community Bank (2)
- 504 approvals recorded2
- 504 gross approval dollars$259,000
- Average 504 approval$129,500
- Median 504 approval$205,000
- Distinct CDCs active1
- 504 jobs per approval10.5
- 504 jobs per million dollars approved81.1
- Most active CDCFlorida First Capital Finance Corporation, Inc. (2)
- 7(a) share of SBA approvals60.0 percent
- Combined SBA approval dollars$2.8 m
The average approval of $833,333 sits well above the median of $100,000, 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 0.0 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.
Calhoun County
Do SBA loans in Calhoun County get paid back
- Loans with a final outcome recorded0
- Paid in full0
- Charged off0
- Status: Exempt from disclosure3
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.
Calhoun County
How big is Calhoun County
- Land area567 sq mi
- Rank by land area among Florida counties50th of 67
- Width, east to west27.3 mi
- Height, north to south28.2 mi
- Geographies sharing a boundary4
- Residents per square mile of land24
- Establishments per square mile0.33
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.
Calhoun County
What hazards affect Calhoun County
- EPA radon zone predicted average indoor radon screening level less than 2 pCi/LZone 3
- Communities in the NFIP Community Status Book3
- Of those, participating in the NFIP3
- 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 Calhoun 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 Calhoun County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population13,492
- Households4,636
- Average household size2.91
- Median household income$50,517
- Median age42.2
Common questions
Calhoun County questions, answered from the record.
How many people live in Calhoun County, Florida?
13,492, in 4,636 households, ranking 63rd of 67 Florida counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Calhoun County growing?
The population has fallen 2.67 percent since the 2020 census base. In 2024 there were 121 births against 210 deaths, with net migration of -130. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Calhoun County?
$50,517. The median owner-occupied home is valued at $145,300, which is 2.9 times income, and median gross rent is $779 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Calhoun County?
185 establishments, employing 1,657 people with an annual payroll of $59.9 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 Calhoun County?
Average annual pay is $41,721, or $802 a week, across 3,198 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Calhoun County?
3 7(a) approvals totalling $2.5 m since FY2020, across 2 lenders, with a median approval of $100,000, plus 2 504 approvals worth $259,000. These are approvals recorded in the release, not loans disbursed.
What is being built in Calhoun County?
28 housing units were authorised by permit in 2024, with a declared construction value of $5.2 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Calhoun 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 Calhoun County come from?
The largest single origin is Calhoun County Non-migrants, with 3,914 households. Arriving households report an average income of $41,811 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 Calhoun 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 Calhoun 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.