HomeMississippiDeSoto County
DeSoto County, Mississippi: commercial real estate data.
DeSoto County, Mississippi has a population of 191,301 across 476 square miles, up 5.7 percent since the 2020 census base. County output reached $9.78 bn in 2024, 3,349 establishments operate here, and the SBA record carries 114 7(a) approvals worth $110.8 m.
123 sourced county values · tier FULL · 11 sections
DeSoto County
How many people live in DeSoto County
- Population191,301
- Households70,986
- Average household size2.69
- Median household income$85,297
- Median age37.3
- Median gross rent$1,451 per month
- Median owner-occupied home value$269,600
- Home value to household income3.2 times
- Annual rent as a share of median income20.4 percent
- Adults 25 and over with a bachelor degree or higher29.0 percent
- Adults 25 and over with a graduate degree10.4 percent
- Adults 25 and over126,660
- Population under 1847,890
- Share under 1825.0 percent
- Population 65 and over25,739
- Share 65 and over13.5 percent
- Working age population, 18 to 64117,672
- Civilian labor force100,011
- Unemployment rate3.2 percent
- Labor force participation, adults 18 and over69.7 percent
- Rank by population among Mississippi counties3rd of 82
- Rank by population among US county-equivalents364th
DeSoto County is the 3rd largest of 82 Mississippi counties by population. A median home costs 3.2 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 25.0 percent against 13.5 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
DeSoto County
Is DeSoto County growing
- Population change since the 2020 census base5.70 percent
- Census 2020 base population185,312
- Births, 20241,659
- Deaths, 20241,825
- Natural change, 2024-166
- Net domestic migration, 20241,843
- Net international migration, 2024254
- Total net migration, 20242,097
- Cumulative net domestic migration, 2021 to 20248,477
- Rank by growth among US county-equivalents443rd
The county has grown 5.70 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.
DeSoto County
Where people moving to DeSoto County come from
- Tax returns filed by households arriving6,262
- People arriving, from those returns12,492
- Adjusted gross income arriving$346.2 m
- Net adjusted gross income movement$0
- Average income of an arriving household$55,292
- Largest single originDeSoto County Non-migrants (67,954 households)
- Largest single destination (67,954 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| DeSoto County Non-migrants | 67,954 | 144,834 | $5.09 bn |
| Shelby County | 2,657 | 5,176 | $137.7 m |
| Other flows - Different State | 1,617 | 3,321 | $113.4 m |
| Other flows - South | 1,006 | 2,053 | $70.1 m |
| Other flows - Midwest | 289 | 621 | $20.3 m |
| Marshall County | 285 | 600 | $14.1 m |
| Tate County | 242 | 491 | $12.7 m |
| Other flows - West | 238 | 489 | $17.6 m |
The largest single source of arrivals is DeSoto 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.
DeSoto County
What the DeSoto County economy runs on
- County GDP, 2024$9.78 bn
- County GDP, 2023$9.11 bn
- GDP change, 2023 to 20247.4 percent
- GDP change over five years45.4 percent
- Rank by GDP among Mississippi counties6th
- Rank by GDP among US county-equivalents450th
- GDP per resident$51,137
Output grew 7.4 percent in the latest year and 45.4 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.
DeSoto County
Who employs people in DeSoto County
- Covered employment, annual average72,666
- Establishments reporting3,754
- Average annual pay$45,687
- Average weekly wage$879
- Sector 48-49, employment16,548
- Sector 48-49, average annual pay$48,203
- Sector 44-45, employment11,195
- Sector 44-45, average annual pay$34,864
- Sector 72, employment9,304
- Sector 72, average annual pay$21,787
- Sector 62, employment6,982
- Sector 62, average annual pay$59,521
- Sector 56, employment4,942
- Sector 42, employment3,541
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 48-49 | 16,548 | 295 | $48,203 |
| Sector 44-45 | 11,195 | 732 | $34,864 |
| Sector 72 | 9,304 | 470 | $21,787 |
| Sector 62 | 6,982 | 369 | $59,521 |
| Sector 56 | 4,942 | 270 | $36,809 |
| Sector 42 | 3,541 | 160 | $60,664 |
| Sector 31-33 | 3,519 | 123 | $66,858 |
| Sector 23 | 2,533 | 279 | $66,933 |
The largest sector is the biggest private employer group at 16,548 jobs, 22.8 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.
DeSoto County
What businesses operate in DeSoto County
- Establishments, all industries3,349
- Employment at those establishments63,252
- Annual payroll$2.78 bn
- Establishments per 1,000 residents17.5
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.
DeSoto County
What is being built in DeSoto County
- Housing units authorised by permit, 20241,159
- Declared construction value permitted$225.1 m
- Single family units authorised1,159
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$194,177
- Units authorised per 1,000 households16.3
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
DeSoto County
How much SBA lending happens in DeSoto County
- 7(a) approvals recorded114
- 7(a) gross approval dollars$110.8 m
- Average 7(a) approval$972,077
- Median 7(a) approval$349,900
- 10th percentile approval$50,000
- 90th percentile approval$3,380,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)1,515
- Jobs per approval13.3
- Distinct 7(a) lenders active38
- Distinct industries receiving approvals64
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer26.3 percent
- Loans on real estate terms30
- Loans on working capital terms, 120 months or shorter69
- Franchise loans29
- Franchise share of approvals25.4 percent
- Leading industry by approval countFull-Service Restaurants (8)
- Most active lenderCommunity Bank of Mississippi (13)
- 504 approvals recorded16
- 504 gross approval dollars$21.4 m
- Average 504 approval$1,336,813
- Median 504 approval$913,000
- Distinct CDCs active4
- 504 jobs per approval14.6
- 504 jobs per million dollars approved10.9
- Most active CDCThree Rivers Local Development Company, Inc. (10)
- 7(a) share of SBA approvals87.7 percent
- Combined SBA approval dollars$132.2 m
The average approval of $972,077 sits well above the median of $349,900, 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 26.3 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.
DeSoto County
Do SBA loans in DeSoto County get paid back
- Loans with a final outcome recorded23
- Paid in full22
- Charged off1
- Charge off rate on resolved loans4.3 percent
- Status: Paid in full22
- Status: Exempt from disclosure72
- Status: Cancelled11
- Status: Charged off1
- Status: Committed, not yet disbursed8
Of the 23 loans that have reached a final outcome, 4.3 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.
DeSoto County
Which parts of DeSoto County get the lending
- Places in the county with recorded lending9
- OLIVE BRANCH, approvals43
- SOUTHAVEN, approvals33
- HERNANDO, approvals17
- HORN LAKE, approvals14
- SOUTHHAVEN, approvals2
- LAKE CORMORANT, approvals2
| Place | Approvals | Gross approval dollars |
|---|---|---|
| OLIVE BRANCH | 43 | $52,367,400 |
| SOUTHAVEN | 33 | $25,104,500 |
| HERNANDO | 17 | $7,384,900 |
| HORN LAKE | 14 | $20,350,900 |
| SOUTHHAVEN | 2 | $567,700 |
| LAKE CORMORANT | 2 | $1,065,000 |
| MEMPHIS | 1 | $3,034,500 |
| BARTLETT | 1 | $341,900 |
OLIVE BRANCH accounts for 43 approvals against 33 in SOUTHAVEN. 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.
DeSoto County
How big is DeSoto County
- Land area476 sq mi
- Rank by land area among Mississippi counties53rd of 82
- Width, east to west33.2 mi
- Height, north to south19.9 mi
- Geographies sharing a boundary3
- Residents per square mile of land402
- Establishments per square mile7.04
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 DeSoto 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 DeSoto County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population191,301
- Households70,986
- Average household size2.69
- Median household income$85,297
- Median age37.3
Common questions
DeSoto County questions, answered from the record.
How many people live in DeSoto County, Mississippi?
191,301, in 70,986 households, ranking 3rd of 82 Mississippi counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is DeSoto County growing?
The population has grown 5.70 percent since the 2020 census base. In 2024 there were 1,659 births against 1,825 deaths, with net migration of 2,097. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in DeSoto County?
$85,297. The median owner-occupied home is valued at $269,600, which is 3.2 times income, and median gross rent is $1,451 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in DeSoto County?
3,349 establishments, employing 63,252 people with an annual payroll of $2.78 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 DeSoto County?
Average annual pay is $45,687, or $879 a week, across 72,666 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in DeSoto County?
114 7(a) approvals totalling $110.8 m since FY2020, across 38 lenders, with a median approval of $349,900, plus 16 504 approvals worth $21.4 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in DeSoto County get paid back?
Of the 23 loans that have reached a final outcome, 22 were paid in full and 1 charged off, a charge off rate of 4.3 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in DeSoto County?
1,159 housing units were authorised by permit in 2024, with a declared construction value of $225.1 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for DeSoto 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 DeSoto County come from?
The largest single origin is DeSoto County Non-migrants, with 67,954 households. Arriving households report an average income of $55,292 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 DeSoto 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 DeSoto 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.