Escambia County, Florida: commercial real estate data.
Escambia County, Florida has a population of 325,923 across 656 square miles, up 2.9 percent since the 2020 census base. County output reached $24.36 bn in 2024, 7,650 establishments operate here, and the SBA record carries 249 7(a) approvals worth $197.5 m.
129 sourced county values · tier FULL · 12 sections
Escambia County
How many people live in Escambia County
- Population325,923
- Households129,027
- Average household size2.53
- Median household income$67,500
- Median age38.1
- Median gross rent$1,321 per month
- Median owner-occupied home value$257,200
- Home value to household income3.8 times
- Annual rent as a share of median income23.5 percent
- Adults 25 and over with a bachelor degree or higher29.7 percent
- Adults 25 and over with a graduate degree10.7 percent
- Adults 25 and over222,619
- Population under 1868,089
- Share under 1820.9 percent
- Population 65 and over58,359
- Share 65 and over17.9 percent
- Working age population, 18 to 64199,475
- Civilian labor force151,864
- Unemployment rate5.9 percent
- Labor force participation, adults 18 and over58.9 percent
- Rank by population among Florida counties21st of 67
- Rank by population among US county-equivalents226th
Escambia County is the 21st largest of 67 Florida counties by population. A median home costs 3.8 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 20.9 percent against 17.9 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Escambia County
Is Escambia County growing
- Population change since the 2020 census base2.91 percent
- Census 2020 base population321,904
- Births, 20243,579
- Deaths, 20243,928
- Natural change, 2024-349
- Net domestic migration, 20241,822
- Net international migration, 20241,763
- Total net migration, 20243,585
- Cumulative net domestic migration, 2021 to 20246,309
- Rank by growth among US county-equivalents893rd
The county has grown 2.91 percent 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.
Escambia County
Where people moving to Escambia County come from
- Tax returns filed by households arriving11,363
- People arriving, from those returns19,567
- Adjusted gross income arriving$858.7 m
- Net adjusted gross income movement$0
- Average income of an arriving household$75,568
- Largest single originEscambia County Non-migrants (117,196 households)
- Largest single destination (117,196 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Escambia County Non-migrants | 117,196 | 222,622 | $8.72 bn |
| Other flows - Different State | 4,426 | 7,729 | $365.4 m |
| Other flows - South | 2,201 | 3,905 | $151.0 m |
| Santa Rosa County | 1,514 | 2,599 | $102.8 m |
| Other flows - Midwest | 946 | 1,660 | $63.8 m |
| Other flows - West | 651 | 1,150 | $44.3 m |
| Other flows - Northeast | 628 | 1,014 | $106.3 m |
| Okaloosa County | 405 | 616 | $19.9 m |
The largest single source of arrivals is Escambia 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.
Escambia County
What the Escambia County economy runs on
- County GDP, 2024$24.36 bn
- County GDP, 2023$22.65 bn
- GDP change, 2023 to 20247.6 percent
- GDP change over five years42.3 percent
- Rank by GDP among Florida counties16th
- Rank by GDP among US county-equivalents225th
- GDP per resident$74,750
Output grew 7.6 percent in the latest year and 42.3 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.
Escambia County
Who employs people in Escambia County
- Covered employment, annual average145,972
- Establishments reporting9,738
- Average annual pay$60,268
- Average weekly wage$1,159
- Sector 62, employment23,956
- Sector 62, average annual pay$66,557
- Sector 72, employment17,408
- Sector 72, average annual pay$28,076
- Sector 44-45, employment17,213
- Sector 44-45, average annual pay$38,192
- Sector 52, employment12,047
- Sector 52, average annual pay$89,839
- Sector 23, employment9,339
- Sector 54, employment8,125
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 23,956 | 1,176 | $66,557 |
| Sector 72 | 17,408 | 810 | $28,076 |
| Sector 44-45 | 17,213 | 1,265 | $38,192 |
| Sector 52 | 12,047 | 468 | $89,839 |
| Sector 23 | 9,339 | 1,073 | $63,693 |
| Sector 54 | 8,125 | 1,232 | $97,719 |
| Sector 56 | 7,664 | 709 | $50,154 |
| Sector 31-33 | 5,464 | 272 | $84,160 |
The largest sector is the biggest private employer group at 23,956 jobs, 16.4 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.
Escambia County
What businesses operate in Escambia County
- Establishments, all industries7,650
- Employment at those establishments120,709
- Annual payroll$6.66 bn
- Establishments per 1,000 residents23.5
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.
Escambia County
What is being built in Escambia County
- Housing units authorised by permit, 20241,462
- Declared construction value permitted$432.8 m
- Single family units authorised1,446
- Multifamily units authorised16
- Multifamily share of units1.1 percent
- Average declared value per unit$296,060
- Units authorised per 1,000 households11.3
Multifamily is 1.1 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Escambia County
How much SBA lending happens in Escambia County
- 7(a) approvals recorded249
- 7(a) gross approval dollars$197.5 m
- Average 7(a) approval$793,047
- Median 7(a) approval$350,000
- 10th percentile approval$50,000
- 90th percentile approval$2,700,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)3,089
- Jobs per approval12.4
- Distinct 7(a) lenders active66
- Distinct industries receiving approvals123
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer19.7 percent
- Loans on real estate terms49
- Loans on working capital terms, 120 months or shorter168
- Franchise loans59
- Franchise share of approvals23.7 percent
- Leading industry by approval countLimited-Service Restaurants (12)
- Most active lenderLive Oak Banking Company (31)
- 504 approvals recorded124
- 504 gross approval dollars$85.2 m
- Average 504 approval$687,008
- Median 504 approval$425,000
- Distinct CDCs active6
- 504 jobs per approval9.7
- 504 jobs per million dollars approved14.1
- Most active CDCFlorida First Capital Finance Corporation, Inc. (96)
- 7(a) share of SBA approvals66.8 percent
- Combined SBA approval dollars$282.7 m
The average approval of $793,047 sits well above the median of $350,000, 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 19.7 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.
Escambia County
Do SBA loans in Escambia County get paid back
- Loans with a final outcome recorded36
- Paid in full33
- Charged off3
- Charge off rate on resolved loans8.3 percent
- Status: Paid in full33
- Status: Exempt from disclosure171
- Status: Charged off3
- Status: Cancelled28
- Status: Committed, not yet disbursed14
Of the 36 loans that have reached a final outcome, 8.3 percent were charged off. This is computed only over resolved loans, because a loan still running has not yet succeeded or failed and counting it either way would be wrong.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Escambia County
Which parts of Escambia County get the lending
- Places in the county with recorded lending7
- PENSACOLA, approvals233
- Cantonment, approvals7
- MC DAVID, approvals3
- MOLINO, approvals3
- CENTURY, approvals1
- KANSAS CITY, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| PENSACOLA | 233 | $185,597,800 |
| Cantonment | 7 | $8,490,500 |
| MC DAVID | 3 | $446,000 |
| MOLINO | 3 | $1,976,500 |
| CENTURY | 1 | $664,000 |
| KANSAS CITY | 1 | $150,000 |
| Bellview | 1 | $144,000 |
PENSACOLA accounts for 233 approvals against 7 in Cantonment. 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.
Escambia County
How big is Escambia County
- Land area656 sq mi
- Rank by land area among Florida counties38th of 67
- Width, east to west42.5 mi
- Height, north to south49.6 mi
- Geographies sharing a boundary1
- Residents per square mile of land497
- Establishments per square mile11.66
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.
Escambia County
What hazards affect Escambia County
- EPA radon zone predicted average indoor radon screening level less than 2 pCi/LZone 3
- Communities in the NFIP Community Status Book4
- Of those, participating in the NFIP4
- 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 5
- Communities carrying a CRS class3
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 5, 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 Escambia 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 Escambia County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population325,923
- Households129,027
- Average household size2.53
- Median household income$67,500
- Median age38.1
Common questions
Escambia County questions, answered from the record.
How many people live in Escambia County, Florida?
325,923, in 129,027 households, ranking 21st of 67 Florida counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Escambia County growing?
The population has grown 2.91 percent since the 2020 census base. In 2024 there were 3,579 births against 3,928 deaths, with net migration of 3,585. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Escambia County?
$67,500. The median owner-occupied home is valued at $257,200, which is 3.8 times income, and median gross rent is $1,321 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Escambia County?
7,650 establishments, employing 120,709 people with an annual payroll of $6.66 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in Escambia County?
Average annual pay is $60,268, or $1,159 a week, across 145,972 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Escambia County?
249 7(a) approvals totalling $197.5 m since FY2020, across 66 lenders, with a median approval of $350,000, plus 124 504 approvals worth $85.2 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Escambia County get paid back?
Of the 36 loans that have reached a final outcome, 33 were paid in full and 3 charged off, a charge off rate of 8.3 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Escambia County?
1,462 housing units were authorised by permit in 2024, with a declared construction value of $432.8 m. Multifamily was 1.1 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Escambia 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 Escambia County come from?
The largest single origin is Escambia County Non-migrants, with 117,196 households. Arriving households report an average income of $75,568 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 Escambia 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 Escambia 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.