Garland County, Arkansas: commercial real estate data.
Garland County, Arkansas has a population of 100,035 across 678 square miles, down 0.3 percent since the 2020 census base. County output reached $4.74 bn in 2024, 2,953 establishments operate here, and the SBA record carries 107 7(a) approvals worth $33.0 m.
123 sourced county values · tier FULL · 11 sections
Garland County
How many people live in Garland County
- Population100,035
- Households43,667
- Average household size2.29
- Median household income$57,181
- Median age45.5
- Median gross rent$966 per month
- Median owner-occupied home value$194,300
- Home value to household income3.4 times
- Annual rent as a share of median income20.3 percent
- Adults 25 and over with a bachelor degree or higher25.3 percent
- Adults 25 and over with a graduate degree9.1 percent
- Adults 25 and over73,124
- Population under 1819,821
- Share under 1819.8 percent
- Population 65 and over24,702
- Share 65 and over24.7 percent
- Working age population, 18 to 6455,512
- Civilian labor force45,171
- Unemployment rate5.7 percent
- Labor force participation, adults 18 and over56.3 percent
- Rank by population among Arkansas counties8th of 75
- Rank by population among US county-equivalents620th
Garland County is the 8th largest of 75 Arkansas counties by population. A median home costs 3.4 times median household income, which is an affordable ownership market by national standards. Residents 65 and over outnumber those under 18, at 24.7 percent against 19.8 percent, which points demand at health care, services and single storey product rather than schools.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Garland County
Is Garland County growing
- Population change since the 2020 census base-0.27 percent
- Census 2020 base population100,173
- Births, 2024960
- Deaths, 20241,506
- Natural change, 2024-546
- Net domestic migration, 2024568
- Net international migration, 2024114
- Total net migration, 2024682
- Cumulative net domestic migration, 2021 to 20241,992
- Rank by growth among US county-equivalents1949th
The county has lost 0.27 percent of its population 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.
Garland County
Where people moving to Garland County come from
- Tax returns filed by households arriving2,660
- People arriving, from those returns4,782
- Adjusted gross income arriving$178.3 m
- Net adjusted gross income movement$0
- Average income of an arriving household$67,021
- Largest single originGarland County Non-migrants (35,476 households)
- Largest single destination (35,476 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Garland County Non-migrants | 35,476 | 69,903 | $2.50 bn |
| Other flows - Different State | 1,128 | 2,013 | $80.6 m |
| Other flows - South | 591 | 1,065 | $42.0 m |
| Other flows - West | 290 | 519 | $17.7 m |
| Other flows - Same State | 268 | 490 | $16.5 m |
| Saline County | 219 | 435 | $15.1 m |
| Pulaski County | 208 | 330 | $14.0 m |
| Other flows - Midwest | 201 | 356 | $16.8 m |
The largest single source of arrivals is Garland 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.
Garland County
What the Garland County economy runs on
- County GDP, 2024$4.74 bn
- County GDP, 2023$4.56 bn
- GDP change, 2023 to 20243.9 percent
- GDP change over five years29.3 percent
- Rank by GDP among Arkansas counties7th
- Rank by GDP among US county-equivalents738th
- GDP per resident$47,364
Output grew 3.9 percent in the latest year and 29.3 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.
Garland County
Who employs people in Garland County
- Covered employment, annual average38,005
- Establishments reporting3,256
- Average annual pay$46,226
- Average weekly wage$889
- Sector 62, employment7,892
- Sector 62, average annual pay$57,737
- Sector 72, employment6,153
- Sector 72, average annual pay$23,976
- Sector 44-45, employment6,026
- Sector 44-45, average annual pay$35,984
- Sector 31-33, employment2,151
- Sector 31-33, average annual pay$55,461
- Sector 23, employment2,008
- Sector 56, employment1,734
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 7,892 | 477 | $57,737 |
| Sector 72 | 6,153 | 332 | $23,976 |
| Sector 44-45 | 6,026 | 466 | $35,984 |
| Sector 31-33 | 2,151 | 94 | $55,461 |
| Sector 23 | 2,008 | 377 | $51,159 |
| Sector 56 | 1,734 | 184 | $37,399 |
| Sector 71 | 1,714 | 78 | $32,933 |
| Sector 81 | 1,055 | 225 | $34,768 |
The largest sector is the biggest private employer group at 7,892 jobs, 20.8 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.
Garland County
What businesses operate in Garland County
- Establishments, all industries2,953
- Employment at those establishments35,325
- Annual payroll$1.50 bn
- Establishments per 1,000 residents29.5
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.
Garland County
What is being built in Garland County
- Housing units authorised by permit, 2024111
- Declared construction value permitted$35.4 m
- Single family units authorised87
- Multifamily units authorised24
- Multifamily share of units21.6 percent
- Average declared value per unit$319,305
- Units authorised per 1,000 households2.5
Multifamily is 21.6 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Garland County
How much SBA lending happens in Garland County
- 7(a) approvals recorded107
- 7(a) gross approval dollars$33.0 m
- Average 7(a) approval$308,510
- Median 7(a) approval$100,000
- 10th percentile approval$25,000
- 90th percentile approval$719,600
- Largest single approval$4,251,600
- Jobs reported supported, 7(a)1,024
- Jobs per approval9.6
- Distinct 7(a) lenders active31
- Distinct industries receiving approvals65
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer8.4 percent
- Loans on real estate terms9
- Loans on working capital terms, 120 months or shorter90
- Franchise loans9
- Franchise share of approvals8.4 percent
- Leading industry by approval countFull-Service Restaurants (7)
- Most active lenderArvest Bank (25)
- 504 approvals recorded19
- 504 gross approval dollars$14.2 m
- Average 504 approval$746,947
- Median 504 approval$549,000
- Distinct CDCs active2
- 504 jobs per approval14.1
- 504 jobs per million dollars approved18.8
- Most active CDCRural Missouri, Inc. (10)
- 7(a) share of SBA approvals84.9 percent
- Combined SBA approval dollars$47.2 m
The average approval of $308,510 sits well above the median of $100,000, 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 8.4 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.
Garland County
Do SBA loans in Garland County get paid back
- Loans with a final outcome recorded22
- Paid in full20
- Charged off2
- Charge off rate on resolved loans9.1 percent
- Status: Paid in full20
- Status: Cancelled13
- Status: Exempt from disclosure70
- Status: Charged off2
- Status: Committed, not yet disbursed2
Of the 22 loans that have reached a final outcome, 9.1 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.
Garland County
Which parts of Garland County get the lending
- Places in the county with recorded lending10
- HOT SPRINGS NATIONAL PARK, approvals41
- HOT SPRINGS, approvals37
- HOT SPRINGS VILLAGE, approvals13
- PEARCY, approvals6
- ROYAL, approvals2
- JESSIEVILLE, approvals2
| Place | Approvals | Gross approval dollars |
|---|---|---|
| HOT SPRINGS NATIONAL PARK | 41 | $14,113,200 |
| HOT SPRINGS | 37 | $10,259,800 |
| HOT SPRINGS VILLAGE | 13 | $2,756,300 |
| PEARCY | 6 | $1,561,200 |
| ROYAL | 2 | $3,457,200 |
| JESSIEVILLE | 2 | $164,900 |
| Hot Springs, | 2 | $165,000 |
| Hot Spirngs | 2 | $153,000 |
HOT SPRINGS NATIONAL PARK accounts for 41 approvals against 37 in HOT SPRINGS. 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.
Garland County
How big is Garland County
- Land area678 sq mi
- Rank by land area among Arkansas counties31st of 75
- Width, east to west34.9 mi
- Height, north to south26.5 mi
- Geographies sharing a boundary5
- Residents per square mile of land148
- Establishments per square mile4.36
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 Garland 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 Garland County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population100,035
- Households43,667
- Average household size2.29
- Median household income$57,181
- Median age45.5
Common questions
Garland County questions, answered from the record.
How many people live in Garland County, Arkansas?
100,035, in 43,667 households, ranking 8th of 75 Arkansas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Garland County growing?
The population has fallen 0.27 percent since the 2020 census base. In 2024 there were 960 births against 1,506 deaths, with net migration of 682. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Garland County?
$57,181. The median owner-occupied home is valued at $194,300, which is 3.4 times income, and median gross rent is $966 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Garland County?
2,953 establishments, employing 35,325 people with an annual payroll of $1.50 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 Garland County?
Average annual pay is $46,226, or $889 a week, across 38,005 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Garland County?
107 7(a) approvals totalling $33.0 m since FY2020, across 31 lenders, with a median approval of $100,000, plus 19 504 approvals worth $14.2 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Garland County get paid back?
Of the 22 loans that have reached a final outcome, 20 were paid in full and 2 charged off, a charge off rate of 9.1 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Garland County?
111 housing units were authorised by permit in 2024, with a declared construction value of $35.4 m. Multifamily was 21.6 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Garland County?
Zone 2, a predicted average indoor radon screening level from 2 to 4 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Garland County come from?
The largest single origin is Garland County Non-migrants, with 35,476 households. Arriving households report an average income of $67,021 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 Garland 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 Garland 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.