Liberty County, Florida: commercial real estate data.
Liberty County, Florida has a population of 7,687 across 836 square miles, down 0.3 percent since the 2020 census base. County output reached $492.1 m in 2024, 86 establishments operate here, and the SBA record carries 2 7(a) approvals worth $1.6 m.
109 sourced county values · tier FULL · 12 sections
Liberty County
How many people live in Liberty County
- Population7,687
- Households2,563
- Average household size3.00
- Median household income$58,671
- Median age39.7
- Median gross rent$943 per month
- Median owner-occupied home value$127,300
- Home value to household income2.2 times
- Annual rent as a share of median income19.3 percent
- Adults 25 and over with a bachelor degree or higher16.5 percent
- Adults 25 and over with a graduate degree6.9 percent
- Adults 25 and over5,702
- Population under 181,506
- Share under 1819.6 percent
- Population 65 and over1,085
- Share 65 and over14.1 percent
- Working age population, 18 to 645,096
- Civilian labor force2,783
- Unemployment rate6.6 percent
- Labor force participation, adults 18 and over45.0 percent
- Rank by population among Florida counties67th of 67
- Rank by population among US county-equivalents2674th
Liberty County is the 67th 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 19.6 percent against 14.1 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Liberty County
Is Liberty County growing
- Population change since the 2020 census base-0.30 percent
- Census 2020 base population7,979
- Births, 202476
- Deaths, 202454
- Natural change, 202422
- Net domestic migration, 2024159
- Net international migration, 20242
- Total net migration, 2024161
- Cumulative net domestic migration, 2021 to 2024182
- Rank by growth among US county-equivalents1956th
The county has lost 0.30 percent of its population since the 2020 census base. Migration contributed more to 2024 change than births over deaths, so demand here follows people arriving rather than families forming.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Liberty County
Where people moving to Liberty County come from
- Tax returns filed by households arriving186
- People arriving, from those returns342
- Adjusted gross income arriving$7.4 m
- Net adjusted gross income movement$0
- Average income of an arriving household$40,011
- Largest single originLiberty County Non-migrants (2,104 households)
- Largest single destination (2,104 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Liberty County Non-migrants | 2,104 | 4,407 | $114.5 m |
| Other flows - Same State | 98 | 186 | $3.8 m |
| Calhoun County | 32 | 58 | $1.3 m |
| Other flows - Different State | 32 | 57 | $1.7 m |
| Other flows - South | 32 | 57 | $1.7 m |
| Leon County | 24 | 41 | $747,000 |
The largest single source of arrivals is Liberty 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.
Liberty County
What the Liberty County economy runs on
- County GDP, 2024$492.1 m
- County GDP, 2023$388.0 m
- GDP change, 2023 to 202426.8 percent
- GDP change over five years54.3 percent
- Rank by GDP among Florida counties63rd
- Rank by GDP among US county-equivalents2414th
- GDP per resident$64,013
Output grew 26.8 percent in the latest year and 54.3 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.
Liberty County
Who employs people in Liberty County
- Covered employment, annual average1,846
- Establishments reporting140
- Average annual pay$49,828
- Average weekly wage$958
- Sector 31-33, employment253
- Sector 31-33, average annual pay$66,544
- Sector 23, employment170
- Sector 23, average annual pay$61,884
- Sector 44-45, employment134
- Sector 44-45, average annual pay$23,040
- Sector 11, employment88
- Sector 11, average annual pay$60,900
- Sector 48-49, employment41
- Sector 72, employment30
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 253 | 5 | $66,544 |
| Sector 23 | 170 | 24 | $61,884 |
| Sector 44-45 | 134 | 12 | $23,040 |
| Sector 11 | 88 | 14 | $60,900 |
| Sector 48-49 | 41 | 8 | $48,462 |
| Sector 72 | 30 | 6 | $22,169 |
| Sector 54 | 18 | 8 | $61,815 |
The largest sector is the biggest private employer group at 253 jobs, 13.7 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.
Liberty County
What businesses operate in Liberty County
- Establishments, all industries86
- Employment at those establishments1,082
- Annual payroll$50.7 m
- Establishments per 1,000 residents11.2
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.
Liberty County
What is being built in Liberty County
- Housing units authorised by permit, 20248
- Declared construction value permitted$2.0 m
- Single family units authorised8
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$253,750
- Units authorised per 1,000 households3.1
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Liberty County
How much SBA lending happens in Liberty County
- 7(a) approvals recorded2
- 7(a) gross approval dollars$1.6 m
- Average 7(a) approval$791,200
- Median 7(a) approval$1,532,400
- 10th percentile approval$50,000
- 90th percentile approval$1,532,400
- Largest single approval$1,532,400
- Jobs reported supported, 7(a)26
- Jobs per approval13.0
- Distinct 7(a) lenders active2
- Distinct industries receiving approvals2
- Median 7(a) term300 months
- Share of loans on real estate terms, 240 months or longer50.0 percent
- Loans on real estate terms1
- Loans on working capital terms, 120 months or shorter1
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countResidential Mental Health and Substance Abuse Facilities (1)
- Most active lenderFirst Bank of the Lake (1)
The average approval of $791,200 sits close to the median of $1,532,400, so lending here is fairly evenly sized rather than driven by a few large deals. 50.0 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.
Liberty County
Do SBA loans in Liberty County get paid back
- Loans with a final outcome recorded0
- Paid in full0
- Charged off0
- Status: Exempt from disclosure2
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.
Liberty County
Which parts of Liberty County get the lending
- Places in the county with recorded lending2
- Hosford, approvals1
- BRISTOL, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Hosford | 1 | $50,000 |
| BRISTOL | 1 | $1,532,400 |
Hosford accounts for 1 approvals against 1 in BRISTOL. 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.
Liberty County
How big is Liberty County
- Land area836 sq mi
- Rank by land area among Florida counties23rd of 67
- Width, east to west36.4 mi
- Height, north to south43.8 mi
- Geographies sharing a boundary6
- Residents per square mile of land9
- Establishments per square mile0.10
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.
Liberty County
What hazards affect Liberty County
- EPA radon zone predicted average indoor radon screening level less than 2 pCi/LZone 3
- Communities in the NFIP Community Status Book2
- Of those, participating in the NFIP2
- 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.
- 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 Liberty 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 Liberty County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population7,687
- Households2,563
- Average household size3.00
- Median household income$58,671
- Median age39.7
Common questions
Liberty County questions, answered from the record.
How many people live in Liberty County, Florida?
7,687, in 2,563 households, ranking 67th of 67 Florida counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Liberty County growing?
The population has fallen 0.30 percent since the 2020 census base. In 2024 there were 76 births against 54 deaths, with net migration of 161. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Liberty County?
$58,671. The median owner-occupied home is valued at $127,300, which is 2.2 times income, and median gross rent is $943 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Liberty County?
86 establishments, employing 1,082 people with an annual payroll of $50.7 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 Liberty County?
Average annual pay is $49,828, or $958 a week, across 1,846 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Liberty County?
2 7(a) approvals totalling $1.6 m since FY2020, across 2 lenders, with a median approval of $1,532,400. These are approvals recorded in the release, not loans disbursed.
What is being built in Liberty County?
8 housing units were authorised by permit in 2024, with a declared construction value of $2.0 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Liberty 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 Liberty County come from?
The largest single origin is Liberty County Non-migrants, with 2,104 households. Arriving households report an average income of $40,011 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 Liberty 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 Liberty 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.