Real estate · County · Florida
Real estate businesses in Bay County, FL
The real estate businesses in Bay County, FL, the household spending behind them and how the market ranks against other counties.
Groundwork market score · out of 100
Score 35 out of 100: Lower middle
Ranked #1,896 of 2,229 scored counties
#40 of 64 scored counties in Florida
- Listings
- 443
- 32 chain locations (7%)
- Official establishments
- 300
- +54.6% since 2019
- Household spending a year
- $1.2B
- On rent and homeowner costs · $15,083 a household
- Housing spending per listing (U.S. = 100)
- 62
- 38% below the U.S.
- Listings per 10k households
- 56.2
- 46% above the U.S.
- Population, 2025
- 204,479
- +17.2% since 2020
See the real estate businesses around any address in Bay County
The site report maps the real estate businesses on map listings near the address, by name and distance, and sizes the households and spending around it. Or open the report at the center of Bay County. Signed out, you see a blurred preview; on an account, each report is one action.
Free10 actions over 3 days, no cardSurvey estimates 2020–2024 · population estimates 2025 · official business counts 2023 · map listings September 2026 · Data credits · How we measure
What this means
The Groundwork market score for real estate businesses in Bay County is 35 (lower middle), #1,896 of 2,229 scored counties and #40 of 64 scored counties in Florida. That puts it in the bottom quarter of counties.
At $15,083 per household (9% below the U.S. average), households in Bay County spend about $1.2B a year on rent and homeowner costs. Housing spending per office is 38% below the U.S. figure. The spending figure is all rent and homeowner costs, a measure of housing demand, not money real estate businesses take in.
Bay County has 443 real estate businesses on map listings as of September 2026. Chain locations make up 7% of them, against 6% across the U.S. Per 10,000 households, that is 56.2, 46% above the U.S. rate of 38.5.
Official counts show 300 businesses with payroll classed as real estate agents, property managers, mortgage lenders and inspectors in Bay County in 2023, up 54.6% from 2019. That is one for every 263 households, against one for every 414 across the U.S. Since fiscal 2022, 2 SBA-backed loans worth $592K have gone to businesses classed as real estate agents, property managers, mortgage lenders and inspectors in Bay County. Between 2020 and 2025, the population of Bay County grew 17.2%, faster than the U.S. (+3.1%).
How Bay County compares
The same measures for Florida and the whole U.S. Housing spending per listing divides all rent and homeowner costs by the listings counted: a measure of housing demand for each business, not money any of them take in, so it is shown against the U.S. (100) only. Households per establishment divides households by the official count.
| Measure | Bay County | Florida | U.S. |
|---|---|---|---|
| Listings per 10k households | 56.2 | 61.3 | 38.5 |
| Housing spending per listing (U.S. = 100) | 62 | 58 | 100 |
| Households per official establishment | 263 | 242 | 414 |
| Official establishment growth, 2019–2023 | +54.6% | +24.6% | +15.8% |
| Population growth, 2020–2025 | +17.2% | +8.7% | +3.1% |
| Spending per household on rent and homeowner costs | $15,083 | $15,326 | $16,661 |
| Median household income | $73,533 | $74,568 | $80,734 |
| Groundwork market score | 35 | 29 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 194 → 300+54.6% over the period
- Employees, 2023
- 945
- Annual payroll, 2023
- $49.5M
- One-person businesses, 2023
- 1,660Businesses with no payroll
- Map listings, September 2026
- 44332 chain locations
- Listings at the U.S. rate for this spending
- 274The U.S. ratio of listings to household spending, applied here
SBA-backed loans since fiscal 2022
- Loans
- 2
- Amount
- $592K
SBA-backed loans to businesses classed as real estate agents, property managers, mortgage lenders and inspectors in Bay County, through June 2026, placed by the borrower’s ZIP code. Official establishments are businesses with payroll; the official counts leave out places with fewer than 3.
Population and households in Bay County
- Population, 2025 estimate
- 204,479+17.2% since 2020
- Households
- 78,778
- Median age
- 41.4
- Homes lived in by their owners
- 67%
- Vehicles per household
- 1.8
- Land area
- 759 sq. mi.
- People per square mile
- 246
- Median household income
- $73,533+35.4% vs. 2015–2019, before inflation
- Average household income
- $96,618
- Median home value
- $310,500
- Jobs located here
- 79,343
- Daytime population
- 189,844Residents who don’t work, plus everyone whose job is here
Looking at a specific site in Bay County?
These figures cover the whole county. A site report draws rings around one address and counts what’s inside them: households, spending, jobs, and the real estate businesses on map listings by name and distance.
Or open the report at the center of Bay County. Signed out, you see a blurred preview; on an account, each report is one action.
Free10 actions over 3 days, no cardReal estate across Florida
Every Florida market ranked →The highest-scoring counties in Florida for real estate businesses, numbered among those based in Florida, with Bay County marked.
Top counties in Florida
| Market | Score | Listings | Per 10k households | Housing spending per listing (U.S. = 100) | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Dixie County, FL | 74 | 5 | 8.0 | 358 | +8.0% | #121 of 2,229 |
| 2Union County, FL | 72 | 5 | 11.6 | 279 | +5.2% | #160 of 2,229 |
| 3Baker County, FL | 71 | 18 | 19.6 | 180 | +5.8% | #195 of 2,229 |
| 4Gadsden County, FL | 68 | 9 | 5.3 | 554 | +2.0% | #256 of 2,229 |
| 5Bradford County, FL | 65 | 13 | 14.0 | 226 | +0.3% | #375 of 2,229 |
| 6Jackson County, FL | 63 | 21 | 12.2 | 244 | +5.4% | #441 of 2,229 |
| 7Levy County, FL | 63 | 31 | 16.7 | 186 | +12.7% | #462 of 2,229 |
| 8Washington County, FL | 62 | 12 | 12.9 | 240 | +5.4% | #490 of 2,229 |
| 9Suwannee County, FL | 62 | 26 | 16.1 | 193 | +10.6% | #501 of 2,229 |
| 10Gilchrist County, FL | 60 | 18 | 25.2 | 131 | +14.5% | #583 of 2,229 |
| 40Bay County, FL | 35 | 443 | 56.2 | 62 | +17.2% | #1,896 of 2,229 |
Other business types in Bay County
Each with its Groundwork market score here, out of 100, where it has one.
Food and drink
Groceries and convenience
Auto
Beauty and personal care
Fitness and classes
Health care
Child care
Clothing and laundry
Home services
Real estate
Funeral services
Questions
How many real estate businesses are in Bay County, FL?
Map listings as of September 2026 show 443 real estate businesses in Bay County. 32 of them (7%) are chain locations. The listings count real estate agents and brokers, property managers, mortgage brokers and lenders, and home inspectors. Official counts show 300 businesses with payroll classed as real estate agents, property managers, mortgage lenders and inspectors in 2023, up 54.6% from 2019. Official counts also show 1,660 one-person businesses without payroll.
How much do households in Bay County, FL spend on rent and homeowner costs?
About $1.2B a year, or $15,083 per household. That is 9% below the U.S. average (an index of 91, where 100 is the U.S. average). For the 443 real estate businesses on map listings, housing spending per office is 38% below the U.S. figure. That figure is all rent and homeowner costs, used as a measure of housing demand; it is not money real estate businesses take in. It is estimated from the incomes of the 78,778 households in Bay County and national spending patterns by income.
How does Bay County, FL compare with the U.S. for real estate businesses?
Bay County has 56.2 real estate businesses per 10,000 households, 46% above the U.S. rate of 38.5. The index of housing spending per office is 62, where 100 is the U.S. At the U.S. ratio of real estate businesses to household spending, Bay County would have about 274, against 443 on map listings. There is one business with payroll in the industry for every 263 households, against one for every 414 across the U.S. The official count rose 54.6% from 2019 to 2023, against +15.8% for the U.S.
How fast is Bay County, FL growing?
Population estimates put Bay County at 204,479 people in 2025, up 17.2% since 2020, faster than the U.S. (+3.1%). It has 78,778 households. Median household income in Bay County is $73,533, 9% below the U.S. median of $80,734. Against the 2015–2019 survey, the median rose 35.4%, before inflation.
What is the Groundwork market score?
The Groundwork market score runs from 0 to 100 and compares a market with others of its kind for one business type: states with states, metro areas with metro areas, small-town markets and counties with their own. It weighs household spending per competitor (35%), households per business with payroll (25%), population growth (20%) and spending power (20%), each ranked against those peers. A higher score means that, taken together, the market has more household spending and more households for each business already there, faster population growth and more spending per household than similar markets. It describes a market, not any one site or deal. Bay County scores 35 for real estate businesses (lower middle), #1,896 of 2,229 scored counties.
How can I see the market around a specific site?
Run a Groundwork site report on an address in Bay County. It maps the real estate businesses on map listings near the site and sizes the households and spending within the distance you choose. New accounts get 10 actions over 3 days, no card.
How the score works · Top markets for real estate businesses · All 56 business types in Bay County
Screening a site or an acquisition in Bay County?
A site report maps the competitors on map listings near an address and sizes the households and spending around it.
The button opens the report at the center of Bay County. Signed out, you see a blurred preview; on an account, each report is one action.
This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.
Figures are estimates for research only. Not investment or real estate advice.