White County, Arkansas: commercial real estate data.
White County, Arkansas has a population of 77,838 across 1,035 square miles, up 3.0 percent since the 2020 census base. County output reached $3.31 bn in 2024, 1,637 establishments operate here, and the SBA record carries 40 7(a) approvals worth $26.6 m.
121 sourced county values · tier FULL · 11 sections
White County
How many people live in White County
- Population77,838
- Households29,629
- Average household size2.63
- Median household income$55,249
- Median age38.8
- Median gross rent$850 per month
- Median owner-occupied home value$163,600
- Home value to household income3.0 times
- Annual rent as a share of median income18.5 percent
- Adults 25 and over with a bachelor degree or higher20.4 percent
- Adults 25 and over with a graduate degree8.5 percent
- Adults 25 and over51,455
- Population under 1818,039
- Share under 1823.2 percent
- Population 65 and over13,200
- Share 65 and over17.0 percent
- Working age population, 18 to 6446,599
- Civilian labor force35,093
- Unemployment rate5.8 percent
- Labor force participation, adults 18 and over58.7 percent
- Rank by population among Arkansas counties9th of 75
- Rank by population among US county-equivalents741st
White County is the 9th largest of 75 Arkansas counties by population. A median home costs 3.0 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 23.2 percent against 17.0 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
White County
Is White County growing
- Population change since the 2020 census base2.95 percent
- Census 2020 base population76,825
- Births, 2024919
- Deaths, 2024967
- Natural change, 2024-48
- Net domestic migration, 2024580
- Net international migration, 202427
- Total net migration, 2024607
- Cumulative net domestic migration, 2021 to 20242,662
- Rank by growth among US county-equivalents883rd
The county has grown 2.95 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.
White County
Where people moving to White County come from
- Tax returns filed by households arriving2,000
- People arriving, from those returns3,989
- Adjusted gross income arriving$98.1 m
- Net adjusted gross income movement$0
- Average income of an arriving household$49,027
- Largest single originWhite County Non-migrants (24,777 households)
- Largest single destination (24,777 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| White County Non-migrants | 24,777 | 54,573 | $1.62 bn |
| Other flows - Different State | 694 | 1,382 | $39.6 m |
| Other flows - South | 344 | 671 | $19.2 m |
| Other flows - Same State | 297 | 586 | $12.3 m |
| Lonoke County | 284 | 606 | $13.7 m |
| Pulaski County | 209 | 392 | $11.9 m |
| Other flows - West | 185 | 394 | $11.3 m |
| Other flows - Midwest | 137 | 267 | $8.1 m |
The largest single source of arrivals is White 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.
White County
What the White County economy runs on
- County GDP, 2024$3.31 bn
- County GDP, 2023$3.10 bn
- GDP change, 2023 to 20246.8 percent
- GDP change over five years43.9 percent
- Rank by GDP among Arkansas counties13th
- Rank by GDP among US county-equivalents914th
- GDP per resident$42,531
Output grew 6.8 percent in the latest year and 43.9 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.
White County
Who employs people in White County
- Covered employment, annual average26,169
- Establishments reporting1,804
- Average annual pay$46,050
- Average weekly wage$886
- Sector 44-45, employment3,726
- Sector 44-45, average annual pay$33,649
- Sector 72, employment2,977
- Sector 72, average annual pay$18,841
- Sector 31-33, employment2,558
- Sector 31-33, average annual pay$52,944
- Sector 48-49, employment2,020
- Sector 48-49, average annual pay$58,839
- Sector 23, employment1,649
- Sector 56, employment864
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 3,726 | 290 | $33,649 |
| Sector 72 | 2,977 | 168 | $18,841 |
| Sector 31-33 | 2,558 | 56 | $52,944 |
| Sector 48-49 | 2,020 | 66 | $58,839 |
| Sector 23 | 1,649 | 185 | $54,314 |
| Sector 56 | 864 | 87 | $38,818 |
| Sector 52 | 689 | 104 | $61,500 |
| Sector 42 | 614 | 84 | $56,783 |
The largest sector is the biggest private employer group at 3,726 jobs, 14.2 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.
White County
What businesses operate in White County
- Establishments, all industries1,637
- Employment at those establishments23,543
- Annual payroll$976.3 m
- Establishments per 1,000 residents21.0
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.
White County
What is being built in White County
- Housing units authorised by permit, 2024205
- Declared construction value permitted$36.2 m
- Single family units authorised167
- Multifamily units authorised38
- Multifamily share of units18.5 percent
- Average declared value per unit$176,463
- Units authorised per 1,000 households6.9
Multifamily is 18.5 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
White County
How much SBA lending happens in White County
- 7(a) approvals recorded40
- 7(a) gross approval dollars$26.6 m
- Average 7(a) approval$665,265
- Median 7(a) approval$250,000
- 10th percentile approval$50,000
- 90th percentile approval$2,068,000
- Largest single approval$4,824,000
- Jobs reported supported, 7(a)317
- Jobs per approval7.9
- Distinct 7(a) lenders active24
- Distinct industries receiving approvals30
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer27.5 percent
- Loans on real estate terms11
- Loans on working capital terms, 120 months or shorter27
- Franchise loans3
- Franchise share of approvals7.5 percent
- Leading industry by approval countBroilers and Other Meat Type Chicken Production (3)
- Most active lenderNortheast Bank (4)
- 504 approvals recorded3
- 504 gross approval dollars$3.6 m
- Average 504 approval$1,194,333
- Median 504 approval$846,000
- Distinct CDCs active2
- 504 jobs per approval4.0
- 504 jobs per million dollars approved3.3
- Most active CDCRural Missouri, Inc. (2)
- 7(a) share of SBA approvals93.0 percent
- Combined SBA approval dollars$30.2 m
The average approval of $665,265 sits well above the median of $250,000, 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 27.5 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.
White County
Do SBA loans in White County get paid back
- Loans with a final outcome recorded4
- Paid in full4
- Charged off0
- Status: Cancelled8
- Status: Paid in full4
- Status: Exempt from disclosure26
- Status: Committed, not yet disbursed2
Too few loans have reached a final outcome to publish a charge off rate. only 4 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.
White County
Which parts of White County get the lending
- Places in the county with recorded lending10
- SEARCY, approvals19
- BEEBE, approvals10
- JUDSONIA, approvals2
- Mount Vernon, approvals2
- Kensett, approvals2
- ROSE BUD, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| SEARCY | 19 | $10,295,000 |
| BEEBE | 10 | $6,148,000 |
| JUDSONIA | 2 | $587,000 |
| Mount Vernon | 2 | $561,400 |
| Kensett | 2 | $1,692,000 |
| ROSE BUD | 1 | $30,000 |
| BRADFORD | 1 | $155,200 |
| Jacksonville | 1 | $250,000 |
SEARCY accounts for 19 approvals against 10 in BEEBE. 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.
White County
How big is White County
- Land area1,035 sq mi
- Rank by land area among Arkansas counties2nd of 75
- Width, east to west43.6 mi
- Height, north to south35.2 mi
- Geographies sharing a boundary7
- Residents per square mile of land75
- Establishments per square mile1.58
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 White 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 White County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population77,838
- Households29,629
- Average household size2.63
- Median household income$55,249
- Median age38.8
Common questions
White County questions, answered from the record.
How many people live in White County, Arkansas?
77,838, in 29,629 households, ranking 9th of 75 Arkansas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is White County growing?
The population has grown 2.95 percent since the 2020 census base. In 2024 there were 919 births against 967 deaths, with net migration of 607. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in White County?
$55,249. The median owner-occupied home is valued at $163,600, which is 3.0 times income, and median gross rent is $850 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in White County?
1,637 establishments, employing 23,543 people with an annual payroll of $976.3 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 White County?
Average annual pay is $46,050, or $886 a week, across 26,169 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in White County?
40 7(a) approvals totalling $26.6 m since FY2020, across 24 lenders, with a median approval of $250,000, plus 3 504 approvals worth $3.6 m. These are approvals recorded in the release, not loans disbursed.
What is being built in White County?
205 housing units were authorised by permit in 2024, with a declared construction value of $36.2 m. Multifamily was 18.5 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for White 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 White County come from?
The largest single origin is White County Non-migrants, with 24,777 households. Arriving households report an average income of $49,027 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 White 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 White 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.