Orange County, Florida: commercial real estate data.
Orange County, Florida has a population of 1,471,937 across 903 square miles, up 7.3 percent since the 2020 census base. County output reached $160.40 bn in 2024, 45,588 establishments operate here, and the SBA record carries 2,068 7(a) approvals worth $1.18 bn.
129 sourced county values · tier FULL · 12 sections
Orange County
How many people live in Orange County
- Population1,471,937
- Households527,776
- Average household size2.79
- Median household income$79,719
- Median age36.6
- Median gross rent$1,775 per month
- Median owner-occupied home value$390,100
- Home value to household income4.9 times
- Annual rent as a share of median income26.7 percent
- Adults 25 and over with a bachelor degree or higher39.3 percent
- Adults 25 and over with a graduate degree14.2 percent
- Adults 25 and over1,007,057
- Population under 18314,642
- Share under 1821.4 percent
- Population 65 and over191,739
- Share 65 and over13.0 percent
- Working age population, 18 to 64965,556
- Civilian labor force803,825
- Unemployment rate5.5 percent
- Labor force participation, adults 18 and over69.5 percent
- Rank by population among Florida counties5th of 67
- Rank by population among US county-equivalents28th
Orange County is the 5th largest of 67 Florida counties by population. A median home costs 4.9 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 21.4 percent against 13.0 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Orange County
Is Orange County growing
- Population change since the 2020 census base7.25 percent
- Census 2020 base population1,429,910
- Births, 202416,531
- Deaths, 20249,398
- Natural change, 20247,133
- Net domestic migration, 2024-18,097
- Net international migration, 202443,378
- Total net migration, 202425,281
- Cumulative net domestic migration, 2021 to 2024-34,363
- Rank by growth among US county-equivalents294th
The county has grown 7.25 percent 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.
Orange County
Where people moving to Orange County come from
- Tax returns filed by households arriving53,260
- People arriving, from those returns89,402
- Adjusted gross income arriving$4.16 bn
- Net adjusted gross income movement$0
- Average income of an arriving household$78,122
- Largest single originOrange County Non-migrants (532,503 households)
- Largest single destination (532,503 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Orange County Non-migrants | 532,503 | 1,020,888 | $46.84 bn |
| Seminole County | 5,892 | 9,402 | $358.5 m |
| Osceola County | 5,442 | 9,095 | $254.5 m |
| Other flows - Different State | 5,261 | 8,957 | $400.4 m |
| Other flows - South | 2,409 | 4,109 | $156.1 m |
| Polk County | 2,289 | 3,732 | $101.0 m |
| Lake County | 2,117 | 3,550 | $130.8 m |
| Miami-Dade County | 2,037 | 3,364 | $113.5 m |
The largest single source of arrivals is Orange 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.
Orange County
What the Orange County economy runs on
- County GDP, 2024$160.40 bn
- County GDP, 2023$151.08 bn
- GDP change, 2023 to 20246.2 percent
- GDP change over five years58.5 percent
- Rank by GDP among Florida counties3rd
- Rank by GDP among US county-equivalents26th
- GDP per resident$108,972
Output grew 6.2 percent in the latest year and 58.5 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.
Orange County
Who employs people in Orange County
- Covered employment, annual average949,918
- Establishments reporting56,038
- Average annual pay$67,805
- Average weekly wage$1,304
- Sector 72, employment137,620
- Sector 72, average annual pay$38,462
- Sector 62, employment97,712
- Sector 62, average annual pay$76,321
- Sector 71, employment87,394
- Sector 71, average annual pay$50,358
- Sector 56, employment87,011
- Sector 56, average annual pay$53,433
- Sector 44-45, employment86,371
- Sector 54, employment72,640
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 72 | 137,620 | 4,264 | $38,462 |
| Sector 62 | 97,712 | 5,114 | $76,321 |
| Sector 71 | 87,394 | 1,139 | $50,358 |
| Sector 56 | 87,011 | 4,794 | $53,433 |
| Sector 44-45 | 86,371 | 5,612 | $44,673 |
| Sector 54 | 72,640 | 9,513 | $113,271 |
| Sector 48-49 | 48,995 | 1,742 | $72,421 |
| Sector 23 | 47,157 | 5,211 | $76,536 |
The largest sector is the biggest private employer group at 137,620 jobs, 14.5 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.
Orange County
What businesses operate in Orange County
- Establishments, all industries45,588
- Employment at those establishments842,028
- Annual payroll$49.13 bn
- Establishments per 1,000 residents31.0
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.
Orange County
What is being built in Orange County
- Housing units authorised by permit, 20248,052
- Declared construction value permitted$2.27 bn
- Single family units authorised4,810
- Multifamily units authorised3,242
- Multifamily share of units40.3 percent
- Average declared value per unit$281,927
- Units authorised per 1,000 households15.3
Multifamily is 40.3 percent of units authorised, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Orange County
How much SBA lending happens in Orange County
- 7(a) approvals recorded2,068
- 7(a) gross approval dollars$1.18 bn
- Average 7(a) approval$569,605
- Median 7(a) approval$250,000
- 10th percentile approval$25,000
- 90th percentile approval$1,500,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)25,407
- Jobs per approval12.3
- Distinct 7(a) lenders active154
- Distinct industries receiving approvals347
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer12.8 percent
- Loans on real estate terms264
- Loans on working capital terms, 120 months or shorter1,630
- Franchise loans339
- Franchise share of approvals16.4 percent
- Leading industry by approval countFull-Service Restaurants (96)
- Most active lenderTD Bank, National Association (187)
- 504 approvals recorded669
- 504 gross approval dollars$630.3 m
- Average 504 approval$942,118
- Median 504 approval$643,000
- Distinct CDCs active5
- 504 jobs per approval9.5
- 504 jobs per million dollars approved10.1
- Most active CDCFlorida Business Development Corporation (323)
- 7(a) share of SBA approvals75.6 percent
- Combined SBA approval dollars$1.81 bn
The average approval of $569,605 sits well above the median of $250,000, 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. Only 12.8 percent of approvals run on real estate terms, so SBA credit here is mostly working capital and equipment rather than property acquisition.
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.
Orange County
Do SBA loans in Orange County get paid back
- Loans with a final outcome recorded328
- Paid in full278
- Charged off50
- Charge off rate on resolved loans15.2 percent
- Status: Paid in full278
- Status: Exempt from disclosure1,318
- Status: Cancelled318
- Status: Charged off50
- Status: Committed, not yet disbursed104
| NAICS | Industry | Resolved loans | Charged off | Charge off rate |
|---|---|---|---|---|
| 722511 | Full-Service Restaurants | 19 | 1 | 5.3% |
| 722513 | Limited-Service Restaurants | 15 | 1 | 6.7% |
| 713940 | Fitness and Recreational Sports Centers | 11 | 1 | 9.1% |
| 484121 | General Freight Trucking, Long-Distance, Truckload | 11 | 8 | 72.7% |
Of the 328 loans that have reached a final outcome, 15.2 percent were charged off. This is computed only over resolved loans, because a loan still running has not yet succeeded or failed and counting it either way would be wrong. Among industries with at least ten resolved loans, General Freight Trucking, Long-Distance, Truckload carries the highest charge off rate at 72.7 percent.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Orange County
Which parts of Orange County get the lending
- Places in the county with recorded lending27
- ORLANDO, approvals1,445
- WINTER GARDEN, approvals161
- WINTER PARK, approvals140
- APOPKA, approvals113
- OCOEE, approvals62
- Windermere, approvals59
| Place | Approvals | Gross approval dollars |
|---|---|---|
| ORLANDO | 1,445 | $803,658,100 |
| WINTER GARDEN | 161 | $97,680,900 |
| WINTER PARK | 140 | $98,120,900 |
| APOPKA | 113 | $79,272,800 |
| OCOEE | 62 | $30,906,200 |
| Windermere | 59 | $29,220,100 |
| MAITLAND | 50 | $24,730,600 |
| OAKLAND | 6 | $2,634,000 |
ORLANDO accounts for 1,445 approvals against 161 in WINTER GARDEN. 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.
Orange County
How big is Orange County
- Land area903 sq mi
- Rank by land area among Florida counties21st of 67
- Width, east to west48.3 mi
- Height, north to south30.3 mi
- Geographies sharing a boundary4
- Residents per square mile of land1,630
- Establishments per square mile50.49
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.
Orange County
What hazards affect Orange County
- EPA radon zone predicted average indoor radon screening level less than 2 pCi/LZone 3
- Communities in the NFIP Community Status Book15
- Of those, participating in the NFIP12
- NFIP participation rate80.0 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 5
- Communities carrying a CRS class4
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 5, 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.
- 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 Orange 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 Orange County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population1,471,937
- Households527,776
- Average household size2.79
- Median household income$79,719
- Median age36.6
Common questions
Orange County questions, answered from the record.
How many people live in Orange County, Florida?
1,471,937, in 527,776 households, ranking 5th of 67 Florida counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Orange County growing?
The population has grown 7.25 percent since the 2020 census base. In 2024 there were 16,531 births against 9,398 deaths, with net migration of 25,281. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Orange County?
$79,719. The median owner-occupied home is valued at $390,100, which is 4.9 times income, and median gross rent is $1,775 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Orange County?
45,588 establishments, employing 842,028 people with an annual payroll of $49.13 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in Orange County?
Average annual pay is $67,805, or $1,304 a week, across 949,918 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Orange County?
2,068 7(a) approvals totalling $1.18 bn since FY2020, across 154 lenders, with a median approval of $250,000, plus 669 504 approvals worth $630.3 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Orange County get paid back?
Of the 328 loans that have reached a final outcome, 278 were paid in full and 50 charged off, a charge off rate of 15.2 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Orange County?
8,052 housing units were authorised by permit in 2024, with a declared construction value of $2.27 bn. Multifamily was 40.3 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Orange 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 Orange County come from?
The largest single origin is Orange County Non-migrants, with 532,503 households. Arriving households report an average income of $78,122 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 Orange 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 Orange 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.