Gadsden County, Florida: commercial real estate data.
Gadsden County, Florida has a population of 43,710 across 516 square miles, up 0.8 percent since the 2020 census base. County output reached $1.71 bn in 2024, 734 establishments operate here, and the SBA record carries 19 7(a) approvals worth $17.2 m.
124 sourced county values · tier FULL · 12 sections
Gadsden County
How many people live in Gadsden County
- Population43,710
- Households16,872
- Average household size2.59
- Median household income$48,801
- Median age42.4
- Median gross rent$851 per month
- Median owner-occupied home value$174,900
- Home value to household income3.6 times
- Annual rent as a share of median income20.9 percent
- Adults 25 and over with a bachelor degree or higher21.3 percent
- Adults 25 and over with a graduate degree6.9 percent
- Adults 25 and over30,782
- Population under 189,643
- Share under 1822.1 percent
- Population 65 and over8,702
- Share 65 and over19.9 percent
- Working age population, 18 to 6425,365
- Civilian labor force16,743
- Unemployment rate5.0 percent
- Labor force participation, adults 18 and over49.1 percent
- Rank by population among Florida counties45th of 67
- Rank by population among US county-equivalents1129th
Gadsden County is the 45th largest of 67 Florida counties by population. A median home costs 3.6 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 22.1 percent against 19.9 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Gadsden County
Is Gadsden County growing
- Population change since the 2020 census base0.76 percent
- Census 2020 base population43,819
- Births, 2024441
- Deaths, 2024578
- Natural change, 2024-137
- Net domestic migration, 2024-88
- Net international migration, 2024279
- Total net migration, 2024191
- Cumulative net domestic migration, 2021 to 2024678
- Rank by growth among US county-equivalents1566th
The county has grown 0.76 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.
Gadsden County
Where people moving to Gadsden County come from
- Tax returns filed by households arriving1,200
- People arriving, from those returns2,199
- Adjusted gross income arriving$55.4 m
- Net adjusted gross income movement$0
- Average income of an arriving household$46,156
- Largest single originGadsden County Non-migrants (16,178 households)
- Largest single destination (16,178 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Gadsden County Non-migrants | 16,178 | 31,046 | $848.5 m |
| Leon County | 574 | 1,076 | $24.1 m |
| Other flows - Same State | 303 | 531 | $13.9 m |
| Other flows - Different State | 263 | 481 | $15.2 m |
| Other flows - South | 148 | 271 | $8.1 m |
| Other flows - West | 46 | 98 | $3.8 m |
| Other flows - Northeast | 40 | 63 | $2.0 m |
| Jackson County | 38 | 70 | $1.4 m |
The largest single source of arrivals is Gadsden 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.
Gadsden County
What the Gadsden County economy runs on
- County GDP, 2024$1.71 bn
- County GDP, 2023$1.73 bn
- GDP change, 2023 to 2024-1.1 percent
- GDP change over five years21.4 percent
- Rank by GDP among Florida counties46th
- Rank by GDP among US county-equivalents1413th
- GDP per resident$39,065
Output grew -1.1 percent in the latest year and 21.4 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.
Gadsden County
Who employs people in Gadsden County
- Covered employment, annual average16,317
- Establishments reporting908
- Average annual pay$51,813
- Average weekly wage$996
- Sector 23, employment1,544
- Sector 23, average annual pay$64,798
- Sector 44-45, employment1,274
- Sector 44-45, average annual pay$32,795
- Sector 31-33, employment1,084
- Sector 31-33, average annual pay$60,300
- Sector 56, employment864
- Sector 56, average annual pay$57,229
- Sector 42, employment699
- Sector 62, employment670
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 23 | 1,544 | 147 | $64,798 |
| Sector 44-45 | 1,274 | 146 | $32,795 |
| Sector 31-33 | 1,084 | 22 | $60,300 |
| Sector 56 | 864 | 78 | $57,229 |
| Sector 42 | 699 | 42 | $80,057 |
| Sector 62 | 670 | 111 | $45,504 |
| Sector 72 | 488 | 61 | $20,240 |
| Sector 48-49 | 318 | 26 | $56,422 |
The largest sector is the biggest private employer group at 1,544 jobs, 9.5 percent of covered employment. Average pay per job exceeds median household income, which usually means single earner households and a wage base that can carry rent.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Gadsden County
What businesses operate in Gadsden County
- Establishments, all industries734
- Employment at those establishments9,539
- Annual payroll$476.2 m
- Establishments per 1,000 residents16.8
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.
Gadsden County
What is being built in Gadsden County
- Housing units authorised by permit, 2024109
- Declared construction value permitted$26.9 m
- Single family units authorised73
- Multifamily units authorised36
- Multifamily share of units33.0 percent
- Average declared value per unit$246,756
- Units authorised per 1,000 households6.5
Multifamily is 33.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Gadsden County
How much SBA lending happens in Gadsden County
- 7(a) approvals recorded19
- 7(a) gross approval dollars$17.2 m
- Average 7(a) approval$906,042
- Median 7(a) approval$335,000
- 10th percentile approval$25,000
- 90th percentile approval$2,628,800
- Largest single approval$3,270,000
- Jobs reported supported, 7(a)214
- Jobs per approval11.3
- Distinct 7(a) lenders active13
- Distinct industries receiving approvals13
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer42.1 percent
- Loans on real estate terms8
- Loans on working capital terms, 120 months or shorter11
- Franchise loans4
- Franchise share of approvals21.1 percent
- Leading industry by approval countHotels (except Casino Hotels) and Motels (5)
- Most active lenderLive Oak Banking Company (3)
- 504 approvals recorded5
- 504 gross approval dollars$4.2 m
- Average 504 approval$841,800
- Median 504 approval$386,000
- Distinct CDCs active2
- 504 jobs per approval1.4
- 504 jobs per million dollars approved1.7
- Most active CDCFlorida First Capital Finance Corporation, Inc. (3)
- 7(a) share of SBA approvals79.2 percent
- Combined SBA approval dollars$21.4 m
The average approval of $906,042 sits well above the median of $335,000, 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. 42.1 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.
Gadsden County
Do SBA loans in Gadsden County get paid back
- Loans with a final outcome recorded2
- Paid in full2
- Charged off0
- Status: Paid in full2
- Status: Exempt from disclosure15
- Status: Committed, not yet disbursed1
- Status: Cancelled1
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.
Gadsden County
Which parts of Gadsden County get the lending
- Places in the county with recorded lending4
- Quincy, approvals9
- HAVANA, approvals5
- MIDWAY, approvals4
- CHATTAHOOCHEE, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Quincy | 9 | $6,182,300 |
| HAVANA | 5 | $1,407,500 |
| MIDWAY | 4 | $7,625,000 |
| CHATTAHOOCHEE | 1 | $2,000,000 |
Quincy accounts for 9 approvals against 5 in HAVANA. 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.
Gadsden County
How big is Gadsden County
- Land area516 sq mi
- Rank by land area among Florida counties57th of 67
- Width, east to west38.7 mi
- Height, north to south22.3 mi
- Geographies sharing a boundary3
- Residents per square mile of land85
- Establishments per square mile1.42
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.
Gadsden County
What hazards affect Gadsden County
- EPA radon zone predicted average indoor radon screening level less than 2 pCi/LZone 3
- Communities in the NFIP Community Status Book7
- Of those, participating in the NFIP7
- 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 Gadsden 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 Gadsden County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population43,710
- Households16,872
- Average household size2.59
- Median household income$48,801
- Median age42.4
Common questions
Gadsden County questions, answered from the record.
How many people live in Gadsden County, Florida?
43,710, in 16,872 households, ranking 45th of 67 Florida counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Gadsden County growing?
The population has grown 0.76 percent since the 2020 census base. In 2024 there were 441 births against 578 deaths, with net migration of 191. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Gadsden County?
$48,801. The median owner-occupied home is valued at $174,900, which is 3.6 times income, and median gross rent is $851 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Gadsden County?
734 establishments, employing 9,539 people with an annual payroll of $476.2 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 Gadsden County?
Average annual pay is $51,813, or $996 a week, across 16,317 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Gadsden County?
19 7(a) approvals totalling $17.2 m since FY2020, across 13 lenders, with a median approval of $335,000, plus 5 504 approvals worth $4.2 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Gadsden County?
109 housing units were authorised by permit in 2024, with a declared construction value of $26.9 m. Multifamily was 33.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Gadsden 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 Gadsden County come from?
The largest single origin is Gadsden County Non-migrants, with 16,178 households. Arriving households report an average income of $46,156 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 Gadsden 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 Gadsden 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.