HomeMississippiHolmes County
Holmes County, Mississippi: commercial real estate data.
Holmes County, Mississippi has a population of 16,191 across 757 square miles, down 8.4 percent since the 2020 census base. County output reached $334.2 m in 2024, 208 establishments operate here, and the SBA record carries 6 7(a) approvals worth $1.8 m.
106 sourced county values · tier FULL · 11 sections
Holmes County
How many people live in Holmes County
- Population16,191
- Households6,157
- Average household size2.63
- Median household income$32,538
- Median age36.3
- Median gross rent$590 per month
- Median owner-occupied home value$80,400
- Home value to household income2.5 times
- Annual rent as a share of median income21.8 percent
- Adults 25 and over with a bachelor degree or higher13.9 percent
- Adults 25 and over with a graduate degree4.9 percent
- Adults 25 and over10,498
- Population under 183,959
- Share under 1824.5 percent
- Population 65 and over2,715
- Share 65 and over16.8 percent
- Working age population, 18 to 649,517
- Civilian labor force5,715
- Unemployment rate9.5 percent
- Labor force participation, adults 18 and over46.7 percent
- Rank by population among Mississippi counties54th of 82
- Rank by population among US county-equivalents2085th
Holmes County is the 54th largest of 82 Mississippi counties by population. A median home costs 2.5 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 24.5 percent against 16.8 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Holmes County
Is Holmes County growing
- Population change since the 2020 census base-8.45 percent
- Census 2020 base population16,997
- Births, 2024205
- Deaths, 2024276
- Natural change, 2024-71
- Net domestic migration, 2024-204
- Net international migration, 20241
- Total net migration, 2024-203
- Cumulative net domestic migration, 2021 to 2024-1,088
- Rank by growth among US county-equivalents3109th
The county has lost 8.45 percent of its population since the 2020 census base.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Holmes County
Where people moving to Holmes County come from
- Tax returns filed by households arriving259
- People arriving, from those returns516
- Adjusted gross income arriving$8.6 m
- Net adjusted gross income movement$0
- Average income of an arriving household$33,127
- Largest single originHolmes County Non-migrants (5,674 households)
- Largest single destination (5,674 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Holmes County Non-migrants | 5,674 | 11,385 | $192.8 m |
| Other flows - Same State | 89 | 173 | $3.0 m |
| Other flows - Different State | 77 | 156 | $2.8 m |
| Other flows - South | 50 | 96 | $2.0 m |
| Hinds County | 38 | 78 | $939,000 |
| Attala County | 28 | 60 | $666,000 |
| Madison County | 27 | 49 | $1.1 m |
| Other flows - Midwest | 27 | 60 | $787,000 |
The largest single source of arrivals is Holmes 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.
Holmes County
What the Holmes County economy runs on
- County GDP, 2024$334.2 m
- County GDP, 2023$337.8 m
- GDP change, 2023 to 2024-1.1 percent
- GDP change over five years11.2 percent
- Rank by GDP among Mississippi counties70th
- Rank by GDP among US county-equivalents2647th
- GDP per resident$20,640
Output grew -1.1 percent in the latest year and 11.2 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.
Holmes County
Who employs people in Holmes County
- Covered employment, annual average2,999
- Establishments reporting288
- Average annual pay$41,381
- Average weekly wage$796
- Sector 44-45, employment362
- Sector 44-45, average annual pay$21,908
- Sector 31-33, employment349
- Sector 31-33, average annual pay$61,577
- Sector 81, employment71
- Sector 81, average annual pay$32,874
- Sector 52, employment63
- Sector 52, average annual pay$45,205
- Sector 48-49, employment47
- Sector 54, employment36
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 362 | 56 | $21,908 |
| Sector 31-33 | 349 | 10 | $61,577 |
| Sector 81 | 71 | 16 | $32,874 |
| Sector 52 | 63 | 12 | $45,205 |
| Sector 48-49 | 47 | 13 | $38,427 |
| Sector 54 | 36 | 15 | $73,119 |
| Sector 23 | 34 | 8 | $67,122 |
| Sector 53 | 18 | 12 | $19,003 |
The largest sector is the biggest private employer group at 362 jobs, 12.1 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.
Holmes County
What businesses operate in Holmes County
- Establishments, all industries208
- Employment at those establishments1,857
- Annual payroll$77.1 m
- Establishments per 1,000 residents12.8
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.
Holmes County
What is being built in Holmes County
- Housing units authorised by permit, 202419
- Declared construction value permitted$3.8 m
- Single family units authorised16
- Multifamily units authorised3
- Multifamily share of units15.8 percent
- Average declared value per unit$198,296
- Units authorised per 1,000 households3.1
Multifamily is 15.8 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Holmes County
How much SBA lending happens in Holmes County
- 7(a) approvals recorded6
- 7(a) gross approval dollars$1.8 m
- Average 7(a) approval$303,283
- Median 7(a) approval$349,800
- 10th percentile approval$150,000
- 90th percentile approval$516,000
- Largest single approval$516,000
- Jobs reported supported, 7(a)23
- Jobs per approval3.8
- Distinct 7(a) lenders active3
- Distinct industries receiving approvals3
- Median 7(a) term12 months
- Share of loans on real estate terms, 240 months or longer16.7 percent
- Loans on real estate terms1
- Loans on working capital terms, 120 months or shorter5
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countBeef Cattle Ranching and Farming (4)
- Most active lenderPeoples Bank (4)
The average approval of $303,283 sits close to the median of $349,800, so lending here is fairly evenly sized rather than driven by a few large deals. Only 16.7 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.
Holmes County
Do SBA loans in Holmes County get paid back
- Loans with a final outcome recorded2
- Paid in full2
- Charged off0
- Status: Paid in full2
- Status: Cancelled2
- Status: Exempt from disclosure2
Too few loans have reached a final outcome to publish a charge off rate. only 2 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.
Holmes County
Which parts of Holmes County get the lending
- Places in the county with recorded lending2
- LEXINGTON, approvals5
- West, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| LEXINGTON | 5 | $1,669,700 |
| West | 1 | $150,000 |
LEXINGTON accounts for 5 approvals against 1 in West. 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.
Holmes County
How big is Holmes County
- Land area757 sq mi
- Rank by land area among Mississippi counties10th of 82
- Width, east to west39.5 mi
- Height, north to south34.2 mi
- Geographies sharing a boundary5
- Residents per square mile of land21
- Establishments per square mile0.27
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 Holmes 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 Holmes County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population16,191
- Households6,157
- Average household size2.63
- Median household income$32,538
- Median age36.3
Common questions
Holmes County questions, answered from the record.
How many people live in Holmes County, Mississippi?
16,191, in 6,157 households, ranking 54th of 82 Mississippi counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Holmes County growing?
The population has fallen 8.45 percent since the 2020 census base. In 2024 there were 205 births against 276 deaths, with net migration of -203. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Holmes County?
$32,538. The median owner-occupied home is valued at $80,400, which is 2.5 times income, and median gross rent is $590 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Holmes County?
208 establishments, employing 1,857 people with an annual payroll of $77.1 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 Holmes County?
Average annual pay is $41,381, or $796 a week, across 2,999 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Holmes County?
6 7(a) approvals totalling $1.8 m since FY2020, across 3 lenders, with a median approval of $349,800. These are approvals recorded in the release, not loans disbursed.
What is being built in Holmes County?
19 housing units were authorised by permit in 2024, with a declared construction value of $3.8 m. Multifamily was 15.8 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Holmes 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 Holmes County come from?
The largest single origin is Holmes County Non-migrants, with 5,674 households. Arriving households report an average income of $33,127 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 Holmes 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 Holmes 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.