HomeMississippiPontotoc County
Pontotoc County, Mississippi: commercial real estate data.
Pontotoc County, Mississippi has a population of 31,550 across 498 square miles, up 2.6 percent since the 2020 census base. County output reached $1.29 bn in 2024, 540 establishments operate here, and the SBA record carries 7 7(a) approvals worth $3.2 m.
116 sourced county values · tier FULL · 11 sections
Pontotoc County
How many people live in Pontotoc County
- Population31,550
- Households11,819
- Average household size2.67
- Median household income$51,484
- Median age35.9
- Median gross rent$864 per month
- Median owner-occupied home value$157,100
- Home value to household income3.1 times
- Annual rent as a share of median income20.1 percent
- Adults 25 and over with a bachelor degree or higher18.5 percent
- Adults 25 and over with a graduate degree7.5 percent
- Adults 25 and over20,683
- Population under 188,237
- Share under 1826.1 percent
- Population 65 and over4,893
- Share 65 and over15.5 percent
- Working age population, 18 to 6418,420
- Civilian labor force14,266
- Unemployment rate3.1 percent
- Labor force participation, adults 18 and over61.2 percent
- Rank by population among Mississippi counties25th of 82
- Rank by population among US county-equivalents1430th
Pontotoc County is the 25th largest of 82 Mississippi counties by population. A median home costs 3.1 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 26.1 percent against 15.5 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Pontotoc County
Is Pontotoc County growing
- Population change since the 2020 census base2.65 percent
- Census 2020 base population31,189
- Births, 2024441
- Deaths, 2024352
- Natural change, 202489
- Net domestic migration, 202464
- Net international migration, 2024100
- Total net migration, 2024164
- Cumulative net domestic migration, 2021 to 2024412
- Rank by growth among US county-equivalents963rd
The county has grown 2.65 percent since the 2020 census base. Migration contributed more to 2024 change than births over deaths, so demand here follows people arriving rather than families forming.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Pontotoc County
Where people moving to Pontotoc County come from
- Tax returns filed by households arriving733
- People arriving, from those returns1,475
- Adjusted gross income arriving$28.5 m
- Net adjusted gross income movement$0
- Average income of an arriving household$38,937
- Largest single originPontotoc County Non-migrants (10,662 households)
- Largest single destination (10,662 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Pontotoc County Non-migrants | 10,662 | 23,712 | $606.4 m |
| Lee County | 203 | 404 | $7.0 m |
| Union County | 127 | 256 | $4.5 m |
| Other flows - Same State | 126 | 258 | $5.5 m |
| Other flows - Different State | 126 | 255 | $6.3 m |
| Other flows - South | 104 | 215 | $5.2 m |
| Chickasaw County | 38 | 73 | $1.2 m |
| Lafayette County | 34 | 60 | $1.1 m |
The largest single source of arrivals is Pontotoc 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.
Pontotoc County
What the Pontotoc County economy runs on
- County GDP, 2024$1.29 bn
- County GDP, 2023$1.24 bn
- GDP change, 2023 to 20243.6 percent
- GDP change over five years28.8 percent
- Rank by GDP among Mississippi counties29th
- Rank by GDP among US county-equivalents1642nd
- GDP per resident$40,752
Output grew 3.6 percent in the latest year and 28.8 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.
Pontotoc County
Who employs people in Pontotoc County
- Covered employment, annual average11,759
- Establishments reporting563
- Average annual pay$41,725
- Average weekly wage$802
- Sector 31-33, employment5,310
- Sector 31-33, average annual pay$41,307
- Sector 44-45, employment1,120
- Sector 44-45, average annual pay$28,407
- Sector 48-49, employment806
- Sector 48-49, average annual pay$59,569
- Sector 72, employment589
- Sector 72, average annual pay$15,928
- Sector 56, employment360
- Sector 52, employment177
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 5,310 | 60 | $41,307 |
| Sector 44-45 | 1,120 | 108 | $28,407 |
| Sector 48-49 | 806 | 43 | $59,569 |
| Sector 72 | 589 | 47 | $15,928 |
| Sector 56 | 360 | 22 | $31,145 |
| Sector 52 | 177 | 30 | $59,592 |
| Sector 53 | 32 | 20 | $43,876 |
| Sector 71 | 28 | 6 | $22,689 |
The largest sector is the biggest private employer group at 5,310 jobs, 45.2 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.
Pontotoc County
What businesses operate in Pontotoc County
- Establishments, all industries540
- Employment at those establishments12,209
- Annual payroll$443.7 m
- Establishments per 1,000 residents17.1
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.
Pontotoc County
What is being built in Pontotoc County
- Housing units authorised by permit, 2024101
- Declared construction value permitted$9.9 m
- Single family units authorised41
- Multifamily units authorised60
- Multifamily share of units59.4 percent
- Average declared value per unit$97,673
- Units authorised per 1,000 households8.5
Multifamily is 59.4 percent of units authorised, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Pontotoc County
How much SBA lending happens in Pontotoc County
- 7(a) approvals recorded7
- 7(a) gross approval dollars$3.2 m
- Average 7(a) approval$451,757
- Median 7(a) approval$150,000
- 10th percentile approval$61,300
- 90th percentile approval$2,035,000
- Largest single approval$2,035,000
- Jobs reported supported, 7(a)151
- Jobs per approval21.6
- Distinct 7(a) lenders active5
- Distinct industries receiving approvals4
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer28.6 percent
- Loans on real estate terms2
- Loans on working capital terms, 120 months or shorter5
- Franchise loans3
- Franchise share of approvals42.9 percent
- Leading industry by approval countLimited-Service Restaurants (3)
- Most active lenderUnited Community Bank (2)
- 504 approvals recorded1
- 504 gross approval dollars$590,000
- Average 504 approval$590,000
- Median 504 approval$590,000
- Distinct CDCs active1
- 504 jobs per approval45.0
- 504 jobs per million dollars approved76.3
- Most active CDCCentral Mississippi Development Company, Inc. (1)
- 7(a) share of SBA approvals87.5 percent
- Combined SBA approval dollars$3.8 m
The average approval of $451,757 sits well above the median of $150,000, 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 28.6 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.
Pontotoc County
Do SBA loans in Pontotoc County get paid back
- Loans with a final outcome recorded0
- Paid in full0
- Charged off0
- Status: Exempt from disclosure4
- Status: Cancelled2
- Status: Committed, not yet disbursed1
Too few loans have reached a final outcome to publish a charge off rate. only 0 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.
Pontotoc County
Which parts of Pontotoc County get the lending
- Places in the county with recorded lending2
- PONTOTOC, approvals6
- Ecru, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| PONTOTOC | 6 | $2,987,300 |
| Ecru | 1 | $175,000 |
PONTOTOC accounts for 6 approvals against 1 in Ecru. 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.
Pontotoc County
How big is Pontotoc County
- Land area498 sq mi
- Rank by land area among Mississippi counties49th of 82
- Width, east to west24.1 mi
- Height, north to south21.1 mi
- Geographies sharing a boundary5
- Residents per square mile of land63
- Establishments per square mile1.08
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 Pontotoc 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 Pontotoc County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population31,550
- Households11,819
- Average household size2.67
- Median household income$51,484
- Median age35.9
Common questions
Pontotoc County questions, answered from the record.
How many people live in Pontotoc County, Mississippi?
31,550, in 11,819 households, ranking 25th of 82 Mississippi counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Pontotoc County growing?
The population has grown 2.65 percent since the 2020 census base. In 2024 there were 441 births against 352 deaths, with net migration of 164. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Pontotoc County?
$51,484. The median owner-occupied home is valued at $157,100, which is 3.1 times income, and median gross rent is $864 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Pontotoc County?
540 establishments, employing 12,209 people with an annual payroll of $443.7 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 Pontotoc County?
Average annual pay is $41,725, or $802 a week, across 11,759 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Pontotoc County?
7 7(a) approvals totalling $3.2 m since FY2020, across 5 lenders, with a median approval of $150,000, plus 1 504 approvals worth $590,000. These are approvals recorded in the release, not loans disbursed.
What is being built in Pontotoc County?
101 housing units were authorised by permit in 2024, with a declared construction value of $9.9 m. Multifamily was 59.4 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Pontotoc 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 Pontotoc County come from?
The largest single origin is Pontotoc County Non-migrants, with 10,662 households. Arriving households report an average income of $38,937 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 Pontotoc 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 Pontotoc 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.