Osceola County, Florida: commercial real estate data.
Osceola County, Florida has a population of 427,415 across 1,327 square miles, up 20.4 percent since the 2020 census base. County output reached $20.40 bn in 2024, 8,617 establishments operate here, and the SBA record carries 429 7(a) approvals worth $194.9 m.
129 sourced county values · tier FULL · 12 sections
Osceola County
How many people live in Osceola County
- Population427,415
- Households142,794
- Average household size2.99
- Median household income$72,637
- Median age37.1
- Median gross rent$1,746 per month
- Median owner-occupied home value$353,300
- Home value to household income4.9 times
- Annual rent as a share of median income28.8 percent
- Adults 25 and over with a bachelor degree or higher29.8 percent
- Adults 25 and over with a graduate degree9.0 percent
- Adults 25 and over287,367
- Population under 18102,052
- Share under 1823.9 percent
- Population 65 and over57,262
- Share 65 and over13.4 percent
- Working age population, 18 to 64268,101
- Civilian labor force224,013
- Unemployment rate5.4 percent
- Labor force participation, adults 18 and over68.9 percent
- Rank by population among Florida counties16th of 67
- Rank by population among US county-equivalents171st
Osceola County is the 16th 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 23.9 percent against 13.4 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Osceola County
Is Osceola County growing
- Population change since the 2020 census base20.43 percent
- Census 2020 base population388,661
- Births, 20244,953
- Deaths, 20242,991
- Natural change, 20241,962
- Net domestic migration, 20245,329
- Net international migration, 202413,509
- Total net migration, 202418,838
- Cumulative net domestic migration, 2021 to 202435,295
- Rank by growth among US county-equivalents18th
The county has grown 20.43 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.
Osceola County
Where people moving to Osceola County come from
- Tax returns filed by households arriving22,059
- People arriving, from those returns40,938
- Adjusted gross income arriving$1.27 bn
- Net adjusted gross income movement$0
- Average income of an arriving household$57,385
- Largest single originOsceola County Non-migrants (151,381 households)
- Largest single destination (151,381 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Osceola County Non-migrants | 151,381 | 302,646 | $8.56 bn |
| Orange County | 7,085 | 12,972 | $348.5 m |
| Other flows - Different State | 3,229 | 6,206 | $250.1 m |
| Polk County | 1,865 | 3,499 | $75.1 m |
| Other flows - South | 1,482 | 2,833 | $103.2 m |
| Other flows - Midwest | 759 | 1,485 | $67.3 m |
| Miami-Dade County | 732 | 1,403 | $36.0 m |
| Broward County | 571 | 1,077 | $31.8 m |
The largest single source of arrivals is Osceola 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.
Osceola County
What the Osceola County economy runs on
- County GDP, 2024$20.40 bn
- County GDP, 2023$18.50 bn
- GDP change, 2023 to 202410.3 percent
- GDP change over five years67.5 percent
- Rank by GDP among Florida counties20th
- Rank by GDP among US county-equivalents256th
- GDP per resident$47,725
Output grew 10.3 percent in the latest year and 67.5 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.
Osceola County
Who employs people in Osceola County
- Covered employment, annual average115,837
- Establishments reporting10,530
- Average annual pay$52,525
- Average weekly wage$1,010
- Sector 72, employment20,890
- Sector 72, average annual pay$32,160
- Sector 44-45, employment18,780
- Sector 44-45, average annual pay$33,302
- Sector 62, employment17,597
- Sector 62, average annual pay$65,084
- Sector 56, employment10,663
- Sector 56, average annual pay$63,851
- Sector 23, employment7,092
- Sector 54, employment4,357
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 72 | 20,890 | 939 | $32,160 |
| Sector 44-45 | 18,780 | 1,211 | $33,302 |
| Sector 62 | 17,597 | 1,168 | $65,084 |
| Sector 56 | 10,663 | 880 | $63,851 |
| Sector 23 | 7,092 | 1,187 | $60,057 |
| Sector 54 | 4,357 | 1,149 | $93,879 |
| Sector 53 | 3,735 | 771 | $57,493 |
| Sector 81 | 3,049 | 741 | $42,110 |
The largest sector is the biggest private employer group at 20,890 jobs, 18.0 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.
Osceola County
What businesses operate in Osceola County
- Establishments, all industries8,617
- Employment at those establishments100,837
- Annual payroll$4.14 bn
- Establishments per 1,000 residents20.2
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.
Osceola County
What is being built in Osceola County
- Housing units authorised by permit, 20248,813
- Declared construction value permitted$1.82 bn
- Single family units authorised5,643
- Multifamily units authorised3,170
- Multifamily share of units36.0 percent
- Average declared value per unit$206,221
- Units authorised per 1,000 households61.7
Multifamily is 36.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Osceola County
How much SBA lending happens in Osceola County
- 7(a) approvals recorded429
- 7(a) gross approval dollars$194.9 m
- Average 7(a) approval$454,268
- Median 7(a) approval$150,000
- 10th percentile approval$20,000
- 90th percentile approval$1,070,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)3,854
- Jobs per approval9.0
- Distinct 7(a) lenders active83
- Distinct industries receiving approvals154
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer10.5 percent
- Loans on real estate terms45
- Loans on working capital terms, 120 months or shorter361
- Franchise loans51
- Franchise share of approvals11.9 percent
- Leading industry by approval countLimited-Service Restaurants (22)
- Most active lenderTD Bank, National Association (59)
- 504 approvals recorded100
- 504 gross approval dollars$105.9 m
- Average 504 approval$1,059,150
- Median 504 approval$760,000
- Distinct CDCs active5
- 504 jobs per approval9.1
- 504 jobs per million dollars approved8.6
- Most active CDCFlorida Business Development Corporation (53)
- 7(a) share of SBA approvals81.1 percent
- Combined SBA approval dollars$300.8 m
The average approval of $454,268 sits well above the median of $150,000, 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 10.5 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.
Osceola County
Do SBA loans in Osceola County get paid back
- Loans with a final outcome recorded64
- Paid in full49
- Charged off15
- Charge off rate on resolved loans23.4 percent
- Status: Paid in full49
- Status: Cancelled71
- Status: Exempt from disclosure271
- Status: Charged off15
- Status: Committed, not yet disbursed23
Of the 64 loans that have reached a final outcome, 23.4 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.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Osceola County
Which parts of Osceola County get the lending
- Places in the county with recorded lending8
- Kissimmee, approvals306
- Saint Cloud, approvals101
- CHAMPIONS GATE, approvals9
- Celebration, approvals4
- DAVENPORT, approvals4
- HARMONY, approvals3
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Kissimmee | 306 | $141,517,500 |
| Saint Cloud | 101 | $43,881,200 |
| CHAMPIONS GATE | 9 | $7,354,000 |
| Celebration | 4 | $807,600 |
| DAVENPORT | 4 | $615,000 |
| HARMONY | 3 | $335,000 |
| KINDRED | 1 | $20,500 |
| Myakka City | 1 | $350,000 |
Kissimmee accounts for 306 approvals against 101 in Saint Cloud. 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.
Osceola County
How big is Osceola County
- Land area1,327 sq mi
- Rank by land area among Florida counties6th of 67
- Width, east to west48.5 mi
- Height, north to south48.7 mi
- Geographies sharing a boundary5
- Residents per square mile of land322
- Establishments per square mile6.49
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.
Osceola County
What hazards affect Osceola 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 5
- Communities carrying a CRS class3
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 Osceola 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 Osceola County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population427,415
- Households142,794
- Average household size2.99
- Median household income$72,637
- Median age37.1
Common questions
Osceola County questions, answered from the record.
How many people live in Osceola County, Florida?
427,415, in 142,794 households, ranking 16th of 67 Florida counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Osceola County growing?
The population has grown 20.43 percent since the 2020 census base. In 2024 there were 4,953 births against 2,991 deaths, with net migration of 18,838. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Osceola County?
$72,637. The median owner-occupied home is valued at $353,300, which is 4.9 times income, and median gross rent is $1,746 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Osceola County?
8,617 establishments, employing 100,837 people with an annual payroll of $4.14 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 Osceola County?
Average annual pay is $52,525, or $1,010 a week, across 115,837 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Osceola County?
429 7(a) approvals totalling $194.9 m since FY2020, across 83 lenders, with a median approval of $150,000, plus 100 504 approvals worth $105.9 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Osceola County get paid back?
Of the 64 loans that have reached a final outcome, 49 were paid in full and 15 charged off, a charge off rate of 23.4 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Osceola County?
8,813 housing units were authorised by permit in 2024, with a declared construction value of $1.82 bn. Multifamily was 36.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Osceola 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 Osceola County come from?
The largest single origin is Osceola County Non-migrants, with 151,381 households. Arriving households report an average income of $57,385 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 Osceola 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 Osceola 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.