Gilchrist County, Florida: commercial real estate data.
Gilchrist County, Florida has a population of 19,040 across 350 square miles, up 13.3 percent since the 2020 census base. County output reached $576.4 m in 2024, 295 establishments operate here, and the SBA record carries 9 7(a) approvals worth $8.7 m.
115 sourced county values · tier FULL · 12 sections
Gilchrist County
How many people live in Gilchrist County
- Population19,040
- Households7,151
- Average household size2.66
- Median household income$63,523
- Median age43.2
- Median gross rent$926 per month
- Median owner-occupied home value$199,900
- Home value to household income3.1 times
- Annual rent as a share of median income17.5 percent
- Adults 25 and over with a bachelor degree or higher15.3 percent
- Adults 25 and over with a graduate degree5.9 percent
- Adults 25 and over13,395
- Population under 184,037
- Share under 1821.2 percent
- Population 65 and over3,851
- Share 65 and over20.2 percent
- Working age population, 18 to 6411,152
- Civilian labor force7,831
- Unemployment rate3.5 percent
- Labor force participation, adults 18 and over52.2 percent
- Rank by population among Florida counties56th of 67
- Rank by population among US county-equivalents1934th
Gilchrist County is the 56th largest of 67 Florida counties by population. A median home costs 3.1 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 21.2 percent against 20.2 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Gilchrist County
Is Gilchrist County growing
- Population change since the 2020 census base13.29 percent
- Census 2020 base population17,860
- Births, 2024225
- Deaths, 2024233
- Natural change, 2024-8
- Net domestic migration, 2024337
- Net international migration, 2024165
- Total net migration, 2024502
- Cumulative net domestic migration, 2021 to 20242,101
- Rank by growth among US county-equivalents83rd
The county has grown 13.29 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.
Gilchrist County
Where people moving to Gilchrist County come from
- Tax returns filed by households arriving747
- People arriving, from those returns1,504
- Adjusted gross income arriving$44.3 m
- Net adjusted gross income movement$0
- Average income of an arriving household$59,249
- Largest single originGilchrist County Non-migrants (5,718 households)
- Largest single destination (5,718 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Gilchrist County Non-migrants | 5,718 | 12,055 | $393.9 m |
| Other flows - Same State | 255 | 489 | $17.7 m |
| Alachua County | 184 | 385 | $10.1 m |
| Other flows - Different State | 130 | 260 | $8.1 m |
| Levy County | 85 | 166 | $3.9 m |
| Other flows - South | 54 | 118 | $3.7 m |
| Dixie County | 45 | 95 | $1.9 m |
| Other flows - Midwest | 35 | 65 | $1.7 m |
The largest single source of arrivals is Gilchrist 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.
Gilchrist County
What the Gilchrist County economy runs on
- County GDP, 2024$576.4 m
- County GDP, 2023$538.4 m
- GDP change, 2023 to 20247.1 percent
- GDP change over five years32.6 percent
- Rank by GDP among Florida counties58th
- Rank by GDP among US county-equivalents2308th
- GDP per resident$30,272
Output grew 7.1 percent in the latest year and 32.6 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.
Gilchrist County
Who employs people in Gilchrist County
- Covered employment, annual average3,814
- Establishments reporting394
- Average annual pay$46,829
- Average weekly wage$901
- Sector 11, employment409
- Sector 11, average annual pay$48,641
- Sector 23, employment390
- Sector 23, average annual pay$54,300
- Sector 31-33, employment314
- Sector 31-33, average annual pay$61,470
- Sector 44-45, employment215
- Sector 44-45, average annual pay$30,261
- Sector 56, employment129
- Sector 81, employment106
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 11 | 409 | 30 | $48,641 |
| Sector 23 | 390 | 66 | $54,300 |
| Sector 31-33 | 314 | 12 | $61,470 |
| Sector 44-45 | 215 | 38 | $30,261 |
| Sector 56 | 129 | 28 | $41,333 |
| Sector 81 | 106 | 30 | $46,530 |
| Sector 52 | 52 | 14 | $60,045 |
| Sector 48-49 | 42 | 16 | $44,065 |
The largest sector is the biggest private employer group at 409 jobs, 10.7 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.
Gilchrist County
What businesses operate in Gilchrist County
- Establishments, all industries295
- Employment at those establishments2,222
- Annual payroll$98.0 m
- Establishments per 1,000 residents15.5
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.
Gilchrist County
What is being built in Gilchrist County
- Housing units authorised by permit, 202494
- Declared construction value permitted$24.5 m
- Single family units authorised94
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$260,495
- Units authorised per 1,000 households13.1
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Gilchrist County
How much SBA lending happens in Gilchrist County
- 7(a) approvals recorded9
- 7(a) gross approval dollars$8.7 m
- Average 7(a) approval$968,989
- Median 7(a) approval$460,000
- 10th percentile approval$9,900
- 90th percentile approval$5,000,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)34
- Jobs per approval3.8
- Distinct 7(a) lenders active6
- Distinct industries receiving approvals9
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer33.3 percent
- Loans on real estate terms3
- Loans on working capital terms, 120 months or shorter5
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countRV (Recreational Vehicle) Parks and Campgrounds (1)
- Most active lenderWells Fargo Bank National Association (3)
The average approval of $968,989 sits well above the median of $460,000, 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. 33.3 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.
Gilchrist County
Do SBA loans in Gilchrist County get paid back
- Loans with a final outcome recorded1
- Paid in full1
- Charged off0
- Status: Paid in full1
- Status: Exempt from disclosure7
- Status: Committed, not yet disbursed1
Too few loans have reached a final outcome to publish a charge off rate. only 1 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.
Gilchrist County
Which parts of Gilchrist County get the lending
- Places in the county with recorded lending5
- TRENTON, approvals5
- FANNING SPRINGS, approvals1
- BRANFORD, approvals1
- BELL, approvals1
- High Springs, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| TRENTON | 5 | $3,380,900 |
| FANNING SPRINGS | 1 | $5,000,000 |
| BRANFORD | 1 | $10,000 |
| BELL | 1 | $50,000 |
| High Springs | 1 | $280,000 |
TRENTON accounts for 5 approvals against 1 in FANNING SPRINGS. 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.
Gilchrist County
How big is Gilchrist County
- Land area350 sq mi
- Rank by land area among Florida counties63rd of 67
- Width, east to west17.6 mi
- Height, north to south25.4 mi
- Geographies sharing a boundary6
- Residents per square mile of land54
- Establishments per square mile0.84
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.
Gilchrist County
What hazards affect Gilchrist 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
- 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.
- No 504 approvals recorded in this county in the FOIA release covering FY2010 onward.
- 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 Gilchrist 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 Gilchrist County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population19,040
- Households7,151
- Average household size2.66
- Median household income$63,523
- Median age43.2
Common questions
Gilchrist County questions, answered from the record.
How many people live in Gilchrist County, Florida?
19,040, in 7,151 households, ranking 56th of 67 Florida counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Gilchrist County growing?
The population has grown 13.29 percent since the 2020 census base. In 2024 there were 225 births against 233 deaths, with net migration of 502. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Gilchrist County?
$63,523. The median owner-occupied home is valued at $199,900, which is 3.1 times income, and median gross rent is $926 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Gilchrist County?
295 establishments, employing 2,222 people with an annual payroll of $98.0 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 Gilchrist County?
Average annual pay is $46,829, or $901 a week, across 3,814 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Gilchrist County?
9 7(a) approvals totalling $8.7 m since FY2020, across 6 lenders, with a median approval of $460,000. These are approvals recorded in the release, not loans disbursed.
What is being built in Gilchrist County?
94 housing units were authorised by permit in 2024, with a declared construction value of $24.5 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Gilchrist 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 Gilchrist County come from?
The largest single origin is Gilchrist County Non-migrants, with 5,718 households. Arriving households report an average income of $59,249 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 Gilchrist 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 Gilchrist 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.