Seminole County, Florida: commercial real estate data.
Seminole County, Florida has a population of 481,470 across 309 square miles, up 5.0 percent since the 2020 census base. County output reached $34.44 bn in 2024, 14,897 establishments operate here, and the SBA record carries 636 7(a) approvals worth $360.4 m.
129 sourced county values · tier FULL · 12 sections
Seminole County
How many people live in Seminole County
- Population481,470
- Households187,248
- Average household size2.57
- Median household income$85,761
- Median age39.8
- Median gross rent$1,783 per month
- Median owner-occupied home value$386,900
- Home value to household income4.5 times
- Annual rent as a share of median income24.9 percent
- Adults 25 and over with a bachelor degree or higher42.7 percent
- Adults 25 and over with a graduate degree14.7 percent
- Adults 25 and over343,922
- Population under 1898,915
- Share under 1820.5 percent
- Population 65 and over80,052
- Share 65 and over16.6 percent
- Working age population, 18 to 64302,503
- Civilian labor force264,441
- Unemployment rate4.2 percent
- Labor force participation, adults 18 and over69.1 percent
- Rank by population among Florida counties13th of 67
- Rank by population among US county-equivalents151st
Seminole County is the 13th largest of 67 Florida counties by population. A median home costs 4.5 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 20.5 percent against 16.6 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Seminole County
Is Seminole County growing
- Population change since the 2020 census base5.04 percent
- Census 2020 base population470,852
- Births, 20244,664
- Deaths, 20244,093
- Natural change, 2024571
- Net domestic migration, 2024-2,080
- Net international migration, 20246,844
- Total net migration, 20244,764
- Cumulative net domestic migration, 2021 to 20243,681
- Rank by growth among US county-equivalents523rd
The county has grown 5.04 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.
Seminole County
Where people moving to Seminole County come from
- Tax returns filed by households arriving21,110
- People arriving, from those returns35,482
- Adjusted gross income arriving$1.37 bn
- Net adjusted gross income movement$0
- Average income of an arriving household$64,996
- Largest single originSeminole County Non-migrants (178,812 households)
- Largest single destination (178,812 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Seminole County Non-migrants | 178,812 | 351,243 | $17.17 bn |
| Orange County | 7,846 | 12,515 | $469.3 m |
| Other flows - Different State | 3,355 | 6,183 | $257.7 m |
| Volusia County | 1,572 | 2,629 | $96.4 m |
| Other flows - South | 1,424 | 2,618 | $101.2 m |
| Other flows - Midwest | 846 | 1,560 | $68.0 m |
| Other flows - Northeast | 599 | 1,088 | $41.0 m |
| Osceola County | 512 | 869 | $22.7 m |
The largest single source of arrivals is Seminole 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.
Seminole County
What the Seminole County economy runs on
- County GDP, 2024$34.44 bn
- County GDP, 2023$32.73 bn
- GDP change, 2023 to 20245.2 percent
- GDP change over five years39.1 percent
- Rank by GDP among Florida counties13th
- Rank by GDP among US county-equivalents173rd
- GDP per resident$71,521
Output grew 5.2 percent in the latest year and 39.1 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.
Seminole County
Who employs people in Seminole County
- Covered employment, annual average213,221
- Establishments reporting18,029
- Average annual pay$65,449
- Average weekly wage$1,259
- Sector 44-45, employment26,905
- Sector 44-45, average annual pay$41,343
- Sector 62, employment24,843
- Sector 62, average annual pay$58,488
- Sector 23, employment24,759
- Sector 23, average annual pay$74,065
- Sector 54, employment19,459
- Sector 54, average annual pay$96,009
- Sector 72, employment18,783
- Sector 56, employment17,706
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 26,905 | 1,790 | $41,343 |
| Sector 62 | 24,843 | 1,897 | $58,488 |
| Sector 23 | 24,759 | 1,978 | $74,065 |
| Sector 54 | 19,459 | 3,056 | $96,009 |
| Sector 72 | 18,783 | 1,103 | $26,643 |
| Sector 56 | 17,706 | 1,437 | $52,325 |
| Sector 52 | 15,400 | 1,075 | $90,904 |
| Sector 31-33 | 8,350 | 571 | $66,019 |
The largest sector is the biggest private employer group at 26,905 jobs, 12.6 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.
Seminole County
What businesses operate in Seminole County
- Establishments, all industries14,897
- Employment at those establishments193,461
- Annual payroll$11.35 bn
- Establishments per 1,000 residents30.9
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.
Seminole County
What is being built in Seminole County
- Housing units authorised by permit, 20242,280
- Declared construction value permitted$424.7 m
- Single family units authorised764
- Multifamily units authorised1,516
- Multifamily share of units66.5 percent
- Average declared value per unit$186,284
- Units authorised per 1,000 households12.2
Multifamily is 66.5 percent of units authorised, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Seminole County
How much SBA lending happens in Seminole County
- 7(a) approvals recorded636
- 7(a) gross approval dollars$360.4 m
- Average 7(a) approval$566,672
- Median 7(a) approval$263,500
- 10th percentile approval$35,000
- 90th percentile approval$1,415,900
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)7,384
- Jobs per approval11.6
- Distinct 7(a) lenders active100
- Distinct industries receiving approvals214
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer14.8 percent
- Loans on real estate terms94
- Loans on working capital terms, 120 months or shorter491
- Franchise loans112
- Franchise share of approvals17.6 percent
- Leading industry by approval countLimited-Service Restaurants (21)
- Most active lenderTD Bank, National Association (45)
- 504 approvals recorded243
- 504 gross approval dollars$167.9 m
- Average 504 approval$690,765
- Median 504 approval$461,000
- Distinct CDCs active4
- 504 jobs per approval8.3
- 504 jobs per million dollars approved12.0
- Most active CDCFlorida Business Development Corporation (131)
- 7(a) share of SBA approvals72.4 percent
- Combined SBA approval dollars$528.3 m
The average approval of $566,672 sits well above the median of $263,500, 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 14.8 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.
Seminole County
Do SBA loans in Seminole County get paid back
- Loans with a final outcome recorded95
- Paid in full86
- Charged off9
- Charge off rate on resolved loans9.5 percent
- Status: Cancelled86
- Status: Charged off9
- Status: Paid in full86
- Status: Exempt from disclosure417
- Status: Committed, not yet disbursed38
Of the 95 loans that have reached a final outcome, 9.5 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.
Seminole County
Which parts of Seminole County get the lending
- Places in the county with recorded lending17
- Sanford, approvals144
- LONGWOOD, approvals105
- OVIEDO, approvals99
- Altamonte Springs, approvals90
- LAKE MARY, approvals71
- CASSELBERRY, approvals41
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Sanford | 144 | $93,295,600 |
| LONGWOOD | 105 | $58,206,000 |
| OVIEDO | 99 | $48,348,700 |
| Altamonte Springs | 90 | $49,594,400 |
| LAKE MARY | 71 | $43,115,800 |
| CASSELBERRY | 41 | $19,759,900 |
| WINTER SPRINGS | 40 | $16,936,000 |
| MAITLAND | 13 | $12,825,300 |
Sanford accounts for 144 approvals against 105 in LONGWOOD. 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.
Seminole County
How big is Seminole County
- Land area309 sq mi
- Rank by land area among Florida counties64th of 67
- Width, east to west28.6 mi
- Height, north to south18.6 mi
- Geographies sharing a boundary3
- Residents per square mile of land1,558
- Establishments per square mile48.21
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.
Seminole County
What hazards affect Seminole County
- EPA radon zone predicted average indoor radon screening level less than 2 pCi/LZone 3
- Communities in the NFIP Community Status Book8
- Of those, participating in the NFIP8
- 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 class8
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 Seminole 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 Seminole County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population481,470
- Households187,248
- Average household size2.57
- Median household income$85,761
- Median age39.8
Common questions
Seminole County questions, answered from the record.
How many people live in Seminole County, Florida?
481,470, in 187,248 households, ranking 13th of 67 Florida counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Seminole County growing?
The population has grown 5.04 percent since the 2020 census base. In 2024 there were 4,664 births against 4,093 deaths, with net migration of 4,764. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Seminole County?
$85,761. The median owner-occupied home is valued at $386,900, which is 4.5 times income, and median gross rent is $1,783 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Seminole County?
14,897 establishments, employing 193,461 people with an annual payroll of $11.35 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 Seminole County?
Average annual pay is $65,449, or $1,259 a week, across 213,221 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Seminole County?
636 7(a) approvals totalling $360.4 m since FY2020, across 100 lenders, with a median approval of $263,500, plus 243 504 approvals worth $167.9 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Seminole County get paid back?
Of the 95 loans that have reached a final outcome, 86 were paid in full and 9 charged off, a charge off rate of 9.5 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Seminole County?
2,280 housing units were authorised by permit in 2024, with a declared construction value of $424.7 m. Multifamily was 66.5 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Seminole 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 Seminole County come from?
The largest single origin is Seminole County Non-migrants, with 178,812 households. Arriving households report an average income of $64,996 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 Seminole 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 Seminole 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.