Hamilton County, Florida: commercial real estate data.
Hamilton County, Florida has a population of 13,616 across 514 square miles, up 2.4 percent since the 2020 census base. County output reached $781.6 m in 2024, 160 establishments operate here, and the SBA record carries 7 7(a) approvals worth $6.6 m.
120 sourced county values · tier FULL · 12 sections
Hamilton County
How many people live in Hamilton County
- Population13,616
- Households4,281
- Average household size3.18
- Median household income$50,144
- Median age41.2
- Median gross rent$724 per month
- Median owner-occupied home value$111,200
- Home value to household income2.2 times
- Annual rent as a share of median income17.3 percent
- Adults 25 and over with a bachelor degree or higher11.0 percent
- Adults 25 and over with a graduate degree3.7 percent
- Adults 25 and over9,839
- Population under 182,800
- Share under 1820.6 percent
- Population 65 and over2,681
- Share 65 and over19.7 percent
- Working age population, 18 to 648,135
- Civilian labor force4,247
- Unemployment rate6.7 percent
- Labor force participation, adults 18 and over39.3 percent
- Rank by population among Florida counties62nd of 67
- Rank by population among US county-equivalents2254th
Hamilton County is the 62nd largest of 67 Florida counties by population. A median home costs 2.2 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 20.6 percent against 19.7 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Hamilton County
Is Hamilton County growing
- Population change since the 2020 census base2.36 percent
- Census 2020 base population14,004
- Births, 2024170
- Deaths, 2024179
- Natural change, 2024-9
- Net domestic migration, 2024621
- Net international migration, 2024-2
- Total net migration, 2024619
- Cumulative net domestic migration, 2021 to 2024724
- Rank by growth among US county-equivalents1050th
The county has grown 2.36 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.
Hamilton County
Where people moving to Hamilton County come from
- Tax returns filed by households arriving414
- People arriving, from those returns777
- Adjusted gross income arriving$18.3 m
- Net adjusted gross income movement$0
- Average income of an arriving household$44,092
- Largest single originHamilton County Non-migrants (3,835 households)
- Largest single destination (3,835 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Hamilton County Non-migrants | 3,835 | 7,883 | $198.4 m |
| Other flows - Same State | 193 | 386 | $8.8 m |
| Other flows - Different State | 90 | 153 | $4.5 m |
| Other flows - South | 70 | 113 | $3.5 m |
| Columbia County | 42 | 89 | $1.4 m |
| Suwannee County | 39 | 70 | $1.1 m |
| Lowndes County | 29 | 53 | $2.3 m |
| Leon County | 21 | 26 | $116,000 |
The largest single source of arrivals is Hamilton 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.
Hamilton County
What the Hamilton County economy runs on
- County GDP, 2024$781.6 m
- County GDP, 2023$677.4 m
- GDP change, 2023 to 202415.4 percent
- GDP change over five years51.7 percent
- Rank by GDP among Florida counties55th
- Rank by GDP among US county-equivalents2042nd
- GDP per resident$57,400
Output grew 15.4 percent in the latest year and 51.7 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.
Hamilton County
Who employs people in Hamilton County
- Covered employment, annual average3,134
- Establishments reporting248
- Average annual pay$57,583
- Average weekly wage$1,107
- Sector 44-45, employment336
- Sector 44-45, average annual pay$36,060
- Sector 62, employment198
- Sector 62, average annual pay$38,029
- Sector 48-49, employment80
- Sector 48-49, average annual pay$58,840
- Sector 56, employment79
- Sector 56, average annual pay$69,116
- Sector 81, employment28
- Sector 52, employment16
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 336 | 50 | $36,060 |
| Sector 62 | 198 | 31 | $38,029 |
| Sector 48-49 | 80 | 13 | $58,840 |
| Sector 56 | 79 | 8 | $69,116 |
| Sector 81 | 28 | 9 | $31,465 |
| Sector 52 | 16 | 6 | $65,582 |
| Sector 61 | 9 | 3 | $28,100 |
| Sector 53 | 4 | 3 | $33,451 |
The largest sector is the biggest private employer group at 336 jobs, 10.7 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.
Hamilton County
What businesses operate in Hamilton County
- Establishments, all industries160
- Employment at those establishments1,760
- Annual payroll$129.7 m
- Establishments per 1,000 residents11.8
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.
Hamilton County
What is being built in Hamilton County
- Housing units authorised by permit, 202426
- Declared construction value permitted$5.2 m
- Single family units authorised26
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$201,350
- Units authorised per 1,000 households6.1
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Hamilton County
How much SBA lending happens in Hamilton County
- 7(a) approvals recorded7
- 7(a) gross approval dollars$6.6 m
- Average 7(a) approval$941,886
- Median 7(a) approval$910,000
- 10th percentile approval$350,000
- 90th percentile approval$1,438,200
- Largest single approval$1,438,200
- Jobs reported supported, 7(a)57
- Jobs per approval8.1
- Distinct 7(a) lenders active7
- Distinct industries receiving approvals6
- Median 7(a) term144 months
- Share of loans on real estate terms, 240 months or longer42.9 percent
- Loans on real estate terms3
- Loans on working capital terms, 120 months or shorter3
- Franchise loans1
- Franchise share of approvals14.3 percent
- Leading industry by approval countBroilers and Other Meat Type Chicken Production (2)
- Most active lenderLafayette State Bank (1)
- 504 approvals recorded1
- 504 gross approval dollars$219,000
- Average 504 approval$219,000
- Median 504 approval$219,000
- Distinct CDCs active1
- 504 jobs per approval3.0
- 504 jobs per million dollars approved13.7
- Most active CDCFlorida First Capital Finance Corporation, Inc. (1)
- 7(a) share of SBA approvals87.5 percent
- Combined SBA approval dollars$6.8 m
The average approval of $941,886 sits close to the median of $910,000, so lending here is fairly evenly sized rather than driven by a few large deals. 42.9 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.
Hamilton County
Do SBA loans in Hamilton County get paid back
- Loans with a final outcome recorded0
- Paid in full0
- Charged off0
- Status: Exempt from disclosure6
- Status: Cancelled1
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.
Hamilton County
Which parts of Hamilton County get the lending
- Places in the county with recorded lending2
- JASPER, approvals6
- JENNINGS, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| JASPER | 6 | $6,243,200 |
| JENNINGS | 1 | $350,000 |
JASPER accounts for 6 approvals against 1 in JENNINGS. 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.
Hamilton County
How big is Hamilton County
- Land area514 sq mi
- Rank by land area among Florida counties58th of 67
- Width, east to west39.5 mi
- Height, north to south20.5 mi
- Geographies sharing a boundary3
- Residents per square mile of land26
- Establishments per square mile0.31
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.
Hamilton County
What hazards affect Hamilton 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 NFIP3
- NFIP participation rate75.0 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 Hamilton 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 Hamilton County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population13,616
- Households4,281
- Average household size3.18
- Median household income$50,144
- Median age41.2
Common questions
Hamilton County questions, answered from the record.
How many people live in Hamilton County, Florida?
13,616, in 4,281 households, ranking 62nd of 67 Florida counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Hamilton County growing?
The population has grown 2.36 percent since the 2020 census base. In 2024 there were 170 births against 179 deaths, with net migration of 619. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Hamilton County?
$50,144. The median owner-occupied home is valued at $111,200, which is 2.2 times income, and median gross rent is $724 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Hamilton County?
160 establishments, employing 1,760 people with an annual payroll of $129.7 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 Hamilton County?
Average annual pay is $57,583, or $1,107 a week, across 3,134 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Hamilton County?
7 7(a) approvals totalling $6.6 m since FY2020, across 7 lenders, with a median approval of $910,000, plus 1 504 approvals worth $219,000. These are approvals recorded in the release, not loans disbursed.
What is being built in Hamilton County?
26 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 Hamilton 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 Hamilton County come from?
The largest single origin is Hamilton County Non-migrants, with 3,835 households. Arriving households report an average income of $44,092 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 Hamilton 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 Hamilton 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.