HomeArkansasSt. Francis County
St. Francis County, Arkansas: commercial real estate data.
St. Francis County, Arkansas has a population of 22,400 across 635 square miles, down 5.5 percent since the 2020 census base. County output reached $943.1 m in 2024, 404 establishments operate here, and the SBA record carries 6 7(a) approvals worth $5.9 m.
106 sourced county values · tier FULL · 11 sections
St. Francis County
How many people live in St. Francis County
- Population22,400
- Households7,783
- Average household size2.88
- Median household income$42,574
- Median age40.1
- Median gross rent$779 per month
- Median owner-occupied home value$90,900
- Home value to household income2.1 times
- Annual rent as a share of median income22.0 percent
- Adults 25 and over with a bachelor degree or higher14.3 percent
- Adults 25 and over with a graduate degree6.0 percent
- Adults 25 and over15,925
- Population under 184,753
- Share under 1821.2 percent
- Population 65 and over4,008
- Share 65 and over17.9 percent
- Working age population, 18 to 6413,639
- Civilian labor force8,421
- Unemployment rate9.2 percent
- Labor force participation, adults 18 and over47.7 percent
- Rank by population among Arkansas counties27th of 75
- Rank by population among US county-equivalents1756th
St. Francis County is the 27th largest of 75 Arkansas counties by population. A median home costs 2.1 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 21.2 percent against 17.9 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
St. Francis County
Is St. Francis County growing
- Population change since the 2020 census base-5.49 percent
- Census 2020 base population23,090
- Births, 2024251
- Deaths, 2024350
- Natural change, 2024-99
- Net domestic migration, 2024-202
- Net international migration, 202456
- Total net migration, 2024-146
- Cumulative net domestic migration, 2021 to 2024-1,091
- Rank by growth among US county-equivalents3014th
The county has lost 5.49 percent of its population since the 2020 census base.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
St. Francis County
Where people moving to St. Francis County come from
- Tax returns filed by households arriving422
- People arriving, from those returns876
- Adjusted gross income arriving$12.8 m
- Net adjusted gross income movement$0
- Average income of an arriving household$30,355
- Largest single originSt. Francis County Non-migrants (6,452 households)
- Largest single destination (6,452 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| St. Francis County Non-migrants | 6,452 | 13,273 | $298.2 m |
| Other flows - Different State | 109 | 204 | $3.5 m |
| Other flows - Same State | 97 | 191 | $2.8 m |
| Other flows - South | 78 | 146 | $2.8 m |
| Cross County | 63 | 160 | $2.2 m |
| Crittenden County | 37 | 79 | $1.3 m |
| Lee County | 35 | 72 | $1.0 m |
| Shelby County | 34 | 80 | $893,000 |
The largest single source of arrivals is St. Francis 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.
St. Francis County
What the St. Francis County economy runs on
- County GDP, 2024$943.1 m
- County GDP, 2023$919.1 m
- GDP change, 2023 to 20242.6 percent
- GDP change over five years21.6 percent
- Rank by GDP among Arkansas counties31st
- Rank by GDP among US county-equivalents1889th
- GDP per resident$42,103
Output grew 2.6 percent in the latest year and 21.6 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.
St. Francis County
Who employs people in St. Francis County
- Covered employment, annual average6,723
- Establishments reporting585
- Average annual pay$48,570
- Average weekly wage$934
- Sector 44-45, employment872
- Sector 44-45, average annual pay$29,912
- Sector 72, employment539
- Sector 72, average annual pay$18,145
- Sector 42, employment512
- Sector 42, average annual pay$59,734
- Sector 48-49, employment217
- Sector 48-49, average annual pay$53,333
- Sector 11, employment174
- Sector 52, employment123
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 872 | 75 | $29,912 |
| Sector 72 | 539 | 46 | $18,145 |
| Sector 42 | 512 | 30 | $59,734 |
| Sector 48-49 | 217 | 22 | $53,333 |
| Sector 11 | 174 | 38 | $47,381 |
| Sector 52 | 123 | 24 | $44,436 |
| Sector 22 | 80 | 5 | $88,887 |
| Sector 53 | 69 | 23 | $32,233 |
The largest sector is the biggest private employer group at 872 jobs, 13.0 percent of covered employment. Average pay per job exceeds median household income, which usually means single earner households and a wage base that can carry rent.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
St. Francis County
What businesses operate in St. Francis County
- Establishments, all industries404
- Employment at those establishments4,813
- Annual payroll$185.3 m
- Establishments per 1,000 residents18.0
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.
St. Francis County
What is being built in St. Francis County
- Housing units authorised by permit, 20243
- Declared construction value permitted$859,530
- Single family units authorised3
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$286,510
- Units authorised per 1,000 households0.4
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
St. Francis County
How much SBA lending happens in St. Francis County
- 7(a) approvals recorded6
- 7(a) gross approval dollars$5.9 m
- Average 7(a) approval$978,750
- Median 7(a) approval$900,000
- 10th percentile approval$49,900
- 90th percentile approval$3,110,100
- Largest single approval$3,110,100
- Jobs reported supported, 7(a)19
- Jobs per approval3.2
- Distinct 7(a) lenders active5
- Distinct industries receiving approvals5
- Median 7(a) term180 months
- Share of loans on real estate terms, 240 months or longer33.3 percent
- Loans on real estate terms2
- Loans on working capital terms, 120 months or shorter3
- Franchise loans3
- Franchise share of approvals50.0 percent
- Leading industry by approval countHotels (except Casino Hotels) and Motels (2)
- Most active lenderCeltic Bank Corporation (2)
The average approval of $978,750 sits close to the median of $900,000, so lending here is fairly evenly sized rather than driven by a few large deals. 33.3 percent of approvals run on real estate terms of 240 months or more, so this is a market where SBA credit is buying buildings, not just funding operations.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
St. Francis County
Do SBA loans in St. Francis County get paid back
- Loans with a final outcome recorded1
- Paid in full1
- Charged off0
- Status: Exempt from disclosure5
- Status: Paid in full1
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.
St. Francis County
Which parts of St. Francis County get the lending
- Places in the county with recorded lending3
- Forrest City, approvals4
- Palestine, approvals1
- Caldwell, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Forrest City | 4 | $5,327,800 |
| Palestine | 1 | $457,200 |
| Caldwell | 1 | $87,500 |
Forrest City accounts for 4 approvals against 1 in Palestine. 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.
St. Francis County
How big is St. Francis County
- Land area635 sq mi
- Rank by land area among Arkansas counties41st of 75
- Width, east to west42.6 mi
- Height, north to south19.4 mi
- Geographies sharing a boundary5
- Residents per square mile of land35
- Establishments per square mile0.64
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 504 approvals recorded in this county in the FOIA release covering FY2010 onward.
- 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 St. Francis 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 St. Francis County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population22,400
- Households7,783
- Average household size2.88
- Median household income$42,574
- Median age40.1
Common questions
St. Francis County questions, answered from the record.
How many people live in St. Francis County, Arkansas?
22,400, in 7,783 households, ranking 27th of 75 Arkansas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is St. Francis County growing?
The population has fallen 5.49 percent since the 2020 census base. In 2024 there were 251 births against 350 deaths, with net migration of -146. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in St. Francis County?
$42,574. The median owner-occupied home is valued at $90,900, which is 2.1 times income, and median gross rent is $779 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in St. Francis County?
404 establishments, employing 4,813 people with an annual payroll of $185.3 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 St. Francis County?
Average annual pay is $48,570, or $934 a week, across 6,723 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in St. Francis County?
6 7(a) approvals totalling $5.9 m since FY2020, across 5 lenders, with a median approval of $900,000. These are approvals recorded in the release, not loans disbursed.
What is being built in St. Francis County?
3 housing units were authorised by permit in 2024, with a declared construction value of $859,530. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for St. Francis 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 St. Francis County come from?
The largest single origin is St. Francis County Non-migrants, with 6,452 households. Arriving households report an average income of $30,355 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 St. Francis 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 St. Francis 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.