Washington County, Florida: commercial real estate data.
Washington County, Florida has a population of 25,529 across 583 square miles, up 4.7 percent since the 2020 census base. County output reached $943.5 m in 2024, 445 establishments operate here, and the SBA record carries 7 7(a) approvals worth $4.6 m.
120 sourced county values · tier FULL · 12 sections
Washington County
How many people live in Washington County
- Population25,529
- Households9,287
- Average household size2.75
- Median household income$58,210
- Median age41.7
- Median gross rent$888 per month
- Median owner-occupied home value$171,000
- Home value to household income2.9 times
- Annual rent as a share of median income18.3 percent
- Adults 25 and over with a bachelor degree or higher11.5 percent
- Adults 25 and over with a graduate degree4.6 percent
- Adults 25 and over18,682
- Population under 185,110
- Share under 1820.0 percent
- Population 65 and over4,803
- Share 65 and over18.8 percent
- Working age population, 18 to 6415,616
- Civilian labor force9,765
- Unemployment rate3.6 percent
- Labor force participation, adults 18 and over47.8 percent
- Rank by population among Florida counties53rd of 67
- Rank by population among US county-equivalents1637th
Washington County is the 53rd largest of 67 Florida counties by population. A median home costs 2.9 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 20.0 percent against 18.8 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Washington County
Is Washington County growing
- Population change since the 2020 census base4.71 percent
- Census 2020 base population25,311
- Births, 2024282
- Deaths, 2024355
- Natural change, 2024-73
- Net domestic migration, 2024975
- Net international migration, 202449
- Total net migration, 20241,024
- Cumulative net domestic migration, 2021 to 20241,436
- Rank by growth among US county-equivalents578th
The county has grown 4.71 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.
Washington County
Where people moving to Washington County come from
- Tax returns filed by households arriving902
- People arriving, from those returns1,774
- Adjusted gross income arriving$47.5 m
- Net adjusted gross income movement$0
- Average income of an arriving household$52,612
- Largest single originWashington County Non-migrants (7,818 households)
- Largest single destination (7,818 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Washington County Non-migrants | 7,818 | 16,310 | $436.3 m |
| Other flows - Different State | 271 | 550 | $13.5 m |
| Bay County | 249 | 494 | $13.5 m |
| Other flows - South | 168 | 354 | $7.7 m |
| Other flows - Same State | 140 | 240 | $7.6 m |
| Jackson County | 86 | 175 | $3.2 m |
| Holmes County | 85 | 177 | $3.1 m |
| Walton County | 46 | 96 | $1.9 m |
The largest single source of arrivals is Washington 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.
Washington County
What the Washington County economy runs on
- County GDP, 2024$943.5 m
- County GDP, 2023$881.0 m
- GDP change, 2023 to 20247.1 percent
- GDP change over five years43.2 percent
- Rank by GDP among Florida counties53rd
- Rank by GDP among US county-equivalents1888th
- GDP per resident$36,957
Output grew 7.1 percent in the latest year and 43.2 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.
Washington County
Who employs people in Washington County
- Covered employment, annual average6,230
- Establishments reporting552
- Average annual pay$45,572
- Average weekly wage$876
- Sector 44-45, employment804
- Sector 44-45, average annual pay$30,833
- Sector 23, employment557
- Sector 23, average annual pay$46,761
- Sector 54, employment328
- Sector 54, average annual pay$75,720
- Sector 42, employment182
- Sector 42, average annual pay$62,341
- Sector 31-33, employment163
- Sector 52, employment134
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 804 | 71 | $30,833 |
| Sector 23 | 557 | 104 | $46,761 |
| Sector 54 | 328 | 50 | $75,720 |
| Sector 42 | 182 | 12 | $62,341 |
| Sector 31-33 | 163 | 10 | $34,038 |
| Sector 52 | 134 | 25 | $55,904 |
| Sector 81 | 82 | 29 | $34,755 |
| Sector 53 | 31 | 18 | $35,748 |
The largest sector is the biggest private employer group at 804 jobs, 12.9 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.
Washington County
What businesses operate in Washington County
- Establishments, all industries445
- Employment at those establishments4,041
- Annual payroll$163.6 m
- Establishments per 1,000 residents17.4
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.
Washington County
What is being built in Washington County
- Housing units authorised by permit, 2024217
- Declared construction value permitted$50.6 m
- Single family units authorised217
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$233,138
- Units authorised per 1,000 households23.4
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Washington County
How much SBA lending happens in Washington County
- 7(a) approvals recorded7
- 7(a) gross approval dollars$4.6 m
- Average 7(a) approval$655,114
- Median 7(a) approval$500,000
- 10th percentile approval$50,000
- 90th percentile approval$2,370,000
- Largest single approval$2,370,000
- Jobs reported supported, 7(a)91
- Jobs per approval13.0
- Distinct 7(a) lenders active5
- Distinct industries receiving approvals6
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer28.6 percent
- Loans on real estate terms2
- Loans on working capital terms, 120 months or shorter5
- Franchise loans1
- Franchise share of approvals14.3 percent
- Leading industry by approval countOther Grocery and Related Products Merchant Wholesalers (2)
- Most active lenderNortheast Bank (2)
- 504 approvals recorded3
- 504 gross approval dollars$453,000
- Average 504 approval$151,000
- Median 504 approval$142,000
- Distinct CDCs active1
- 504 jobs per approval4.0
- 504 jobs per million dollars approved26.5
- Most active CDCFlorida First Capital Finance Corporation, Inc. (3)
- 7(a) share of SBA approvals70.0 percent
- Combined SBA approval dollars$5.0 m
The average approval of $655,114 sits close to the median of $500,000, so lending here is fairly evenly sized rather than driven by a few large deals. Only 28.6 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.
Washington County
Do SBA loans in Washington County get paid back
- Loans with a final outcome recorded0
- Paid in full0
- Charged off0
- Status: Exempt from disclosure5
- Status: Cancelled2
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.
Washington County
Which parts of Washington County get the lending
- Places in the county with recorded lending2
- CHIPLEY, approvals5
- Vernon, approvals2
| Place | Approvals | Gross approval dollars |
|---|---|---|
| CHIPLEY | 5 | $3,585,800 |
| Vernon | 2 | $1,000,000 |
CHIPLEY accounts for 5 approvals against 2 in Vernon. 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.
Washington County
How big is Washington County
- Land area583 sq mi
- Rank by land area among Florida counties47th of 67
- Width, east to west33.4 mi
- Height, north to south30.5 mi
- Geographies sharing a boundary4
- Residents per square mile of land44
- Establishments per square mile0.76
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.
Washington County
What hazards affect Washington 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 Washington 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 Washington County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population25,529
- Households9,287
- Average household size2.75
- Median household income$58,210
- Median age41.7
Common questions
Washington County questions, answered from the record.
How many people live in Washington County, Florida?
25,529, in 9,287 households, ranking 53rd of 67 Florida counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Washington County growing?
The population has grown 4.71 percent since the 2020 census base. In 2024 there were 282 births against 355 deaths, with net migration of 1,024. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Washington County?
$58,210. The median owner-occupied home is valued at $171,000, which is 2.9 times income, and median gross rent is $888 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Washington County?
445 establishments, employing 4,041 people with an annual payroll of $163.6 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 Washington County?
Average annual pay is $45,572, or $876 a week, across 6,230 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Washington County?
7 7(a) approvals totalling $4.6 m since FY2020, across 5 lenders, with a median approval of $500,000, plus 3 504 approvals worth $453,000. These are approvals recorded in the release, not loans disbursed.
What is being built in Washington County?
217 housing units were authorised by permit in 2024, with a declared construction value of $50.6 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Washington 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 Washington County come from?
The largest single origin is Washington County Non-migrants, with 7,818 households. Arriving households report an average income of $52,612 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 Washington 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 Washington 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.