Cross County, Arkansas: commercial real estate data.
Cross County, Arkansas has a population of 16,543 across 616 square miles, down 3.8 percent since the 2020 census base. County output reached $587.8 m in 2024, 369 establishments operate here, and the SBA record carries 7 7(a) approvals worth $3.5 m.
113 sourced county values · tier FULL · 10 sections
Cross County
How many people live in Cross County
- Population16,543
- Households6,483
- Average household size2.55
- Median household income$50,863
- Median age40.9
- Median gross rent$764 per month
- Median owner-occupied home value$117,500
- Home value to household income2.3 times
- Annual rent as a share of median income18.0 percent
- Adults 25 and over with a bachelor degree or higher18.4 percent
- Adults 25 and over with a graduate degree5.3 percent
- Adults 25 and over11,496
- Population under 183,925
- Share under 1823.7 percent
- Population 65 and over3,123
- Share 65 and over18.9 percent
- Working age population, 18 to 649,495
- Civilian labor force7,770
- Unemployment rate10.7 percent
- Labor force participation, adults 18 and over61.6 percent
- Rank by population among Arkansas counties45th of 75
- Rank by population among US county-equivalents2068th
Cross County is the 45th largest of 75 Arkansas counties by population. A median home costs 2.3 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 23.7 percent against 18.9 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Cross County
Is Cross County growing
- Population change since the 2020 census base-3.80 percent
- Census 2020 base population16,834
- Births, 2024183
- Deaths, 2024279
- Natural change, 2024-96
- Net domestic migration, 2024-227
- Net international migration, 202465
- Total net migration, 2024-162
- Cumulative net domestic migration, 2021 to 2024-412
- Rank by growth among US county-equivalents2872nd
The county has lost 3.80 percent of its population since the 2020 census base.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Cross County
Where people moving to Cross County come from
- Tax returns filed by households arriving327
- People arriving, from those returns666
- Adjusted gross income arriving$12.9 m
- Net adjusted gross income movement$0
- Average income of an arriving household$39,498
- Largest single originCross County Non-migrants (5,467 households)
- Largest single destination (5,467 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Cross County Non-migrants | 5,467 | 11,798 | $298.5 m |
| Other flows - Same State | 89 | 168 | $3.6 m |
| St. Francis County | 78 | 167 | $2.9 m |
| Other flows - Different State | 67 | 128 | $3.1 m |
| Other flows - South | 67 | 128 | $3.1 m |
| Craighead County | 40 | 86 | $1.5 m |
| Crittenden County | 29 | 61 | $1.1 m |
| Poinsett County | 24 | 56 | $795,000 |
The largest single source of arrivals is Cross 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.
Cross County
What the Cross County economy runs on
- County GDP, 2024$587.8 m
- County GDP, 2023$611.6 m
- GDP change, 2023 to 2024-3.9 percent
- GDP change over five years22.8 percent
- Rank by GDP among Arkansas counties50th
- Rank by GDP among US county-equivalents2292nd
- GDP per resident$35,530
Output grew -3.9 percent in the latest year and 22.8 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.
Cross County
Who employs people in Cross County
- Covered employment, annual average4,761
- Establishments reporting453
- Average annual pay$41,359
- Average weekly wage$795
- Sector 44-45, employment752
- Sector 44-45, average annual pay$36,056
- Sector 72, employment351
- Sector 72, average annual pay$18,241
- Sector 31-33, employment280
- Sector 31-33, average annual pay$36,815
- Sector 42, employment250
- Sector 42, average annual pay$65,987
- Sector 11, employment234
- Sector 52, employment134
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 752 | 60 | $36,056 |
| Sector 72 | 351 | 29 | $18,241 |
| Sector 31-33 | 280 | 11 | $36,815 |
| Sector 42 | 250 | 27 | $65,987 |
| Sector 11 | 234 | 44 | $45,411 |
| Sector 52 | 134 | 27 | $53,758 |
| Sector 53 | 108 | 21 | $35,334 |
| Sector 48-49 | 94 | 27 | $51,610 |
The largest sector is the biggest private employer group at 752 jobs, 15.8 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.
Cross County
What businesses operate in Cross County
- Establishments, all industries369
- Employment at those establishments3,646
- Annual payroll$134.8 m
- Establishments per 1,000 residents22.3
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.
Cross County
What is being built in Cross County
- Housing units authorised by permit, 202418
- Declared construction value permitted$1.1 m
- Single family units authorised18
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$61,574
- Units authorised per 1,000 households2.8
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Cross County
How much SBA lending happens in Cross County
- 7(a) approvals recorded7
- 7(a) gross approval dollars$3.5 m
- Average 7(a) approval$499,457
- Median 7(a) approval$350,000
- 10th percentile approval$42,000
- 90th percentile approval$1,396,000
- Largest single approval$1,396,000
- Jobs reported supported, 7(a)62
- Jobs per approval8.9
- Distinct 7(a) lenders active7
- Distinct industries receiving approvals7
- 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 shorter4
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countVeterinary Services (1)
- Most active lenderPNC Bank, National Association (1)
- 504 approvals recorded1
- 504 gross approval dollars$1.7 m
- Average 504 approval$1,725,000
- Median 504 approval$1,725,000
- Distinct CDCs active1
- 504 jobs per approval3.0
- 504 jobs per million dollars approved1.7
- Most active CDCSix Bridges Capital Corporation (1)
- 7(a) share of SBA approvals87.5 percent
- Combined SBA approval dollars$5.2 m
The average approval of $499,457 sits well above the median of $350,000, 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 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.
Cross County
Do SBA loans in Cross County get paid back
- Loans with a final outcome recorded1
- Paid in full0
- Charged off1
- Status: Charged off1
- Status: Exempt from disclosure4
- Status: Cancelled2
Too few loans have reached a final outcome to publish a charge off rate. only 1 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.
Cross County
How big is Cross County
- Land area616 sq mi
- Rank by land area among Arkansas counties49th of 75
- Width, east to west30.5 mi
- Height, north to south20.8 mi
- Geographies sharing a boundary5
- Residents per square mile of land27
- Establishments per square mile0.60
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.
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.
- No NFIP communities are listed for this county in the FEMA Community Status Book.
- 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 Cross 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 Cross County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population16,543
- Households6,483
- Average household size2.55
- Median household income$50,863
- Median age40.9
Common questions
Cross County questions, answered from the record.
How many people live in Cross County, Arkansas?
16,543, in 6,483 households, ranking 45th of 75 Arkansas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Cross County growing?
The population has fallen 3.80 percent since the 2020 census base. In 2024 there were 183 births against 279 deaths, with net migration of -162. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Cross County?
$50,863. The median owner-occupied home is valued at $117,500, which is 2.3 times income, and median gross rent is $764 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Cross County?
369 establishments, employing 3,646 people with an annual payroll of $134.8 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 Cross County?
Average annual pay is $41,359, or $795 a week, across 4,761 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Cross County?
7 7(a) approvals totalling $3.5 m since FY2020, across 7 lenders, with a median approval of $350,000, plus 1 504 approvals worth $1.7 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Cross County?
18 housing units were authorised by permit in 2024, with a declared construction value of $1.1 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Cross 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 Cross County come from?
The largest single origin is Cross County Non-migrants, with 5,467 households. Arriving households report an average income of $39,498 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 Cross 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 Cross 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.