Holmes County, Florida: commercial real estate data.
Holmes County, Florida has a population of 19,513 across 479 square miles, up 1.1 percent since the 2020 census base. County output reached $562.1 m in 2024, 300 establishments operate here, and the SBA record carries 8 7(a) approvals worth $7.5 m.
121 sourced county values · tier FULL · 12 sections
Holmes County
How many people live in Holmes County
- Population19,513
- Households7,011
- Average household size2.78
- Median household income$49,343
- Median age43.7
- Median gross rent$844 per month
- Median owner-occupied home value$110,200
- Home value to household income2.2 times
- Annual rent as a share of median income20.5 percent
- Adults 25 and over with a bachelor degree or higher12.5 percent
- Adults 25 and over with a graduate degree3.5 percent
- Adults 25 and over14,200
- Population under 183,991
- Share under 1820.5 percent
- Population 65 and over4,139
- Share 65 and over21.2 percent
- Working age population, 18 to 6411,383
- Civilian labor force7,737
- Unemployment rate4.5 percent
- Labor force participation, adults 18 and over49.8 percent
- Rank by population among Florida counties55th of 67
- Rank by population among US county-equivalents1910th
Holmes County is the 55th 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 65 and over outnumber those under 18, at 21.2 percent against 20.5 percent, which points demand at health care, services and single storey product rather than schools.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Holmes County
Is Holmes County growing
- Population change since the 2020 census base1.12 percent
- Census 2020 base population19,655
- Births, 2024206
- Deaths, 2024303
- Natural change, 2024-97
- Net domestic migration, 2024304
- Net international migration, 20245
- Total net migration, 2024309
- Cumulative net domestic migration, 2021 to 2024791
- Rank by growth among US county-equivalents1437th
The county has grown 1.12 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.
Holmes County
Where people moving to Holmes County come from
- Tax returns filed by households arriving567
- People arriving, from those returns1,134
- Adjusted gross income arriving$28.3 m
- Net adjusted gross income movement$0
- Average income of an arriving household$49,995
- Largest single originHolmes County Non-migrants (5,520 households)
- Largest single destination (5,520 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Holmes County Non-migrants | 5,520 | 11,790 | $290.9 m |
| Other flows - Different State | 178 | 321 | $10.4 m |
| Other flows - South | 115 | 204 | $6.5 m |
| Other flows - Same State | 111 | 226 | $5.2 m |
| Walton County | 70 | 155 | $3.0 m |
| Washington County | 70 | 148 | $2.3 m |
| Bay County | 48 | 88 | $3.2 m |
| Jackson County | 33 | 76 | $1.3 m |
The largest single source of arrivals is Holmes 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.
Holmes County
What the Holmes County economy runs on
- County GDP, 2024$562.1 m
- County GDP, 2023$533.5 m
- GDP change, 2023 to 20245.3 percent
- GDP change over five years43.3 percent
- Rank by GDP among Florida counties59th
- Rank by GDP among US county-equivalents2329th
- GDP per resident$28,804
Output grew 5.3 percent in the latest year and 43.3 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.
Holmes County
Who employs people in Holmes County
- Covered employment, annual average3,627
- Establishments reporting401
- Average annual pay$41,883
- Average weekly wage$805
- Sector 62, employment443
- Sector 62, average annual pay$40,099
- Sector 44-45, employment393
- Sector 44-45, average annual pay$31,896
- Sector 23, employment341
- Sector 23, average annual pay$40,655
- Sector 72, employment274
- Sector 72, average annual pay$22,211
- Sector 81, employment105
- Sector 54, employment102
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 443 | 38 | $40,099 |
| Sector 44-45 | 393 | 60 | $31,896 |
| Sector 23 | 341 | 75 | $40,655 |
| Sector 72 | 274 | 24 | $22,211 |
| Sector 81 | 105 | 34 | $37,483 |
| Sector 54 | 102 | 24 | $57,461 |
| Sector 48-49 | 66 | 10 | $82,249 |
| Sector 52 | 59 | 10 | $62,293 |
The largest sector is the biggest private employer group at 443 jobs, 12.2 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.
Holmes County
What businesses operate in Holmes County
- Establishments, all industries300
- Employment at those establishments2,142
- Annual payroll$81.0 m
- Establishments per 1,000 residents15.4
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.
Holmes County
What is being built in Holmes County
- Housing units authorised by permit, 202412
- Declared construction value permitted$1.6 m
- Single family units authorised12
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$133,083
- Units authorised per 1,000 households1.7
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Holmes County
How much SBA lending happens in Holmes County
- 7(a) approvals recorded8
- 7(a) gross approval dollars$7.5 m
- Average 7(a) approval$937,663
- Median 7(a) approval$866,000
- 10th percentile approval$350,000
- 90th percentile approval$2,335,500
- Largest single approval$2,335,500
- Jobs reported supported, 7(a)76
- Jobs per approval9.5
- Distinct 7(a) lenders active5
- Distinct industries receiving approvals7
- Median 7(a) term300 months
- Share of loans on real estate terms, 240 months or longer62.5 percent
- Loans on real estate terms5
- Loans on working capital terms, 120 months or shorter3
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countLogging (2)
- Most active lenderFirst Federal Bank (4)
- 504 approvals recorded4
- 504 gross approval dollars$877,000
- Average 504 approval$219,250
- Median 504 approval$283,000
- Distinct CDCs active2
- 504 jobs per approval6.0
- 504 jobs per million dollars approved27.4
- Most active CDCFlorida First Capital Finance Corporation, Inc. (3)
- 7(a) share of SBA approvals66.7 percent
- Combined SBA approval dollars$8.4 m
The average approval of $937,663 sits close to the median of $866,000, so lending here is fairly evenly sized rather than driven by a few large deals. 62.5 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.
Holmes County
Do SBA loans in Holmes County get paid back
- Loans with a final outcome recorded1
- Paid in full1
- Charged off0
- Status: Cancelled4
- Status: Exempt from disclosure3
- Status: Paid in full1
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.
Holmes County
Which parts of Holmes County get the lending
- Places in the county with recorded lending2
- BONIFAY, approvals6
- Ponce De Leon, approvals2
| Place | Approvals | Gross approval dollars |
|---|---|---|
| BONIFAY | 6 | $3,735,800 |
| Ponce De Leon | 2 | $3,765,500 |
BONIFAY accounts for 6 approvals against 2 in Ponce De Leon. 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.
Holmes County
How big is Holmes County
- Land area479 sq mi
- Rank by land area among Florida counties61st of 67
- Width, east to west32 mi
- Height, north to south20.3 mi
- Geographies sharing a boundary3
- Residents per square mile of land41
- Establishments per square mile0.63
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.
Holmes County
What hazards affect Holmes County
- EPA radon zone predicted average indoor radon screening level less than 2 pCi/LZone 3
- Communities in the NFIP Community Status Book6
- Of those, participating in the NFIP6
- 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 Holmes 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 Holmes County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population19,513
- Households7,011
- Average household size2.78
- Median household income$49,343
- Median age43.7
Common questions
Holmes County questions, answered from the record.
How many people live in Holmes County, Florida?
19,513, in 7,011 households, ranking 55th of 67 Florida counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Holmes County growing?
The population has grown 1.12 percent since the 2020 census base. In 2024 there were 206 births against 303 deaths, with net migration of 309. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Holmes County?
$49,343. The median owner-occupied home is valued at $110,200, which is 2.2 times income, and median gross rent is $844 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Holmes County?
300 establishments, employing 2,142 people with an annual payroll of $81.0 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 Holmes County?
Average annual pay is $41,883, or $805 a week, across 3,627 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Holmes County?
8 7(a) approvals totalling $7.5 m since FY2020, across 5 lenders, with a median approval of $866,000, plus 4 504 approvals worth $877,000. These are approvals recorded in the release, not loans disbursed.
What is being built in Holmes County?
12 housing units were authorised by permit in 2024, with a declared construction value of $1.6 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Holmes 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 Holmes County come from?
The largest single origin is Holmes County Non-migrants, with 5,520 households. Arriving households report an average income of $49,995 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 Holmes 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 Holmes 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.