HomeMississippiSmith County
Smith County, Mississippi: commercial real estate data.
Smith County, Mississippi has a population of 14,132 across 636 square miles, down 1.2 percent since the 2020 census base. County output reached $619.4 m in 2024, 159 establishments operate here, and the SBA record carries 76 7(a) approvals worth $27.2 m.
110 sourced county values · tier FULL · 11 sections
Smith County
How many people live in Smith County
- Population14,132
- Households5,592
- Average household size2.53
- Median household income$60,916
- Median age43.5
- Median gross rent$664 per month
- Median owner-occupied home value$112,600
- Home value to household income1.8 times
- Annual rent as a share of median income13.1 percent
- Adults 25 and over with a bachelor degree or higher15.6 percent
- Adults 25 and over with a graduate degree6.1 percent
- Adults 25 and over9,793
- Population under 183,232
- Share under 1822.9 percent
- Population 65 and over2,956
- Share 65 and over20.9 percent
- Working age population, 18 to 647,944
- Civilian labor force5,710
- Unemployment rate4.4 percent
- Labor force participation, adults 18 and over52.4 percent
- Rank by population among Mississippi counties57th of 82
- Rank by population among US county-equivalents2213th
Smith County is the 57th largest of 82 Mississippi counties by population. A median home costs 1.8 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 22.9 percent against 20.9 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Smith County
Is Smith County growing
- Population change since the 2020 census base-1.18 percent
- Census 2020 base population14,219
- Births, 2024167
- Deaths, 2024202
- Natural change, 2024-35
- Net domestic migration, 2024-22
- Net international migration, 20240
- Total net migration, 2024-22
- Cumulative net domestic migration, 2021 to 2024-18
- Rank by growth among US county-equivalents2261st
The county has lost 1.18 percent of its population since the 2020 census base.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Smith County
Where people moving to Smith County come from
- Tax returns filed by households arriving268
- People arriving, from those returns563
- Adjusted gross income arriving$11.6 m
- Net adjusted gross income movement$0
- Average income of an arriving household$43,101
- Largest single originSmith County Non-migrants (4,921 households)
- Largest single destination (4,921 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Smith County Non-migrants | 4,921 | 10,831 | $278.8 m |
| Other flows - Same State | 64 | 127 | $2.7 m |
| Scott County | 36 | 84 | $1.2 m |
| Simpson County | 33 | 65 | $1.2 m |
| Other flows - Different State | 32 | 60 | $1.8 m |
| Other flows - South | 32 | 60 | $1.8 m |
| Jones County | 31 | 70 | $1.3 m |
| Rankin County | 27 | 57 | $1.7 m |
The largest single source of arrivals is Smith 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.
Smith County
What the Smith County economy runs on
- County GDP, 2024$619.4 m
- County GDP, 2023$541.2 m
- GDP change, 2023 to 202414.4 percent
- GDP change over five years67.7 percent
- Rank by GDP among Mississippi counties56th
- Rank by GDP among US county-equivalents2246th
- GDP per resident$43,828
Output grew 14.4 percent in the latest year and 67.7 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.
Smith County
Who employs people in Smith County
- Covered employment, annual average2,675
- Establishments reporting196
- Average annual pay$48,765
- Average weekly wage$938
- Sector 31-33, employment920
- Sector 31-33, average annual pay$63,211
- Sector 62, employment207
- Sector 62, average annual pay$37,471
- Sector 44-45, employment205
- Sector 44-45, average annual pay$25,495
- Sector 48-49, employment141
- Sector 48-49, average annual pay$58,871
- Sector 72, employment89
- Sector 54, employment70
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 920 | 14 | $63,211 |
| Sector 62 | 207 | 8 | $37,471 |
| Sector 44-45 | 205 | 28 | $25,495 |
| Sector 48-49 | 141 | 14 | $58,871 |
| Sector 72 | 89 | 17 | $16,673 |
| Sector 54 | 70 | 12 | $32,165 |
| Sector 23 | 42 | 20 | $44,074 |
| Sector 56 | 26 | 6 | $18,454 |
The largest sector is the biggest private employer group at 920 jobs, 34.4 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.
Smith County
What businesses operate in Smith County
- Establishments, all industries159
- Employment at those establishments2,123
- Annual payroll$111.3 m
- Establishments per 1,000 residents11.3
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.
Smith County
What is being built in Smith County
- Housing units authorised by permit, 20240
- Declared construction value permitted$0
- Single family units authorised0
- Multifamily units authorised0
No residential units were authorised by permit in 2024. In a small county this is common and is not by itself a sign of distress, but it does mean there is no recent residential pipeline to read demand from.
US Census Bureau, Building Permits Survey, 2024 annual.
Smith County
How much SBA lending happens in Smith County
- 7(a) approvals recorded76
- 7(a) gross approval dollars$27.2 m
- Average 7(a) approval$358,207
- Median 7(a) approval$97,800
- 10th percentile approval$25,000
- 90th percentile approval$1,135,400
- Largest single approval$3,547,700
- Jobs reported supported, 7(a)228
- Jobs per approval3.0
- Distinct 7(a) lenders active12
- Distinct industries receiving approvals23
- Median 7(a) term84 months
- Share of loans on real estate terms, 240 months or longer5.3 percent
- Loans on real estate terms4
- Loans on working capital terms, 120 months or shorter49
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countBroilers and Other Meat Type Chicken Production (15)
- Most active lenderPeoples Bank (45)
The average approval of $358,207 sits well above the median of $97,800, 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 5.3 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.
Smith County
Do SBA loans in Smith County get paid back
- Loans with a final outcome recorded33
- Paid in full30
- Charged off3
- Charge off rate on resolved loans9.1 percent
- Status: Paid in full30
- Status: Exempt from disclosure38
- Status: Charged off3
- Status: Cancelled3
- Status: Committed, not yet disbursed2
Of the 33 loans that have reached a final outcome, 9.1 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.
Smith County
Which parts of Smith County get the lending
- Places in the county with recorded lending10
- Mize, approvals40
- TAYLORSVILLE, approvals20
- RALEIGH, approvals4
- Pulaski, approvals4
- BAY SPRINGS, approvals2
- FOREST, approvals2
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Mize | 40 | $11,074,500 |
| TAYLORSVILLE | 20 | $6,746,400 |
| RALEIGH | 4 | $1,527,000 |
| Pulaski | 4 | $1,475,000 |
| BAY SPRINGS | 2 | $303,300 |
| FOREST | 2 | $2,275,000 |
| LOUIN | 1 | $1,400,000 |
| LAKE | 1 | $980,000 |
Mize accounts for 40 approvals against 20 in TAYLORSVILLE. 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.
Smith County
How big is Smith County
- Land area636 sq mi
- Rank by land area among Mississippi counties28th of 82
- Width, east to west24.3 mi
- Height, north to south30.6 mi
- Geographies sharing a boundary6
- Residents per square mile of land22
- Establishments per square mile0.25
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 Smith 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 Smith County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population14,132
- Households5,592
- Average household size2.53
- Median household income$60,916
- Median age43.5
Common questions
Smith County questions, answered from the record.
How many people live in Smith County, Mississippi?
14,132, in 5,592 households, ranking 57th of 82 Mississippi counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Smith County growing?
The population has fallen 1.18 percent since the 2020 census base. In 2024 there were 167 births against 202 deaths, with net migration of -22. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Smith County?
$60,916. The median owner-occupied home is valued at $112,600, which is 1.8 times income, and median gross rent is $664 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Smith County?
159 establishments, employing 2,123 people with an annual payroll of $111.3 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 Smith County?
Average annual pay is $48,765, or $938 a week, across 2,675 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Smith County?
76 7(a) approvals totalling $27.2 m since FY2020, across 12 lenders, with a median approval of $97,800. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Smith County get paid back?
Of the 33 loans that have reached a final outcome, 30 were paid in full and 3 charged off, a charge off rate of 9.1 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Smith County?
No residential units were authorised by permit in 2024. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Smith 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 Smith County come from?
The largest single origin is Smith County Non-migrants, with 4,921 households. Arriving households report an average income of $43,101 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 Smith 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 Smith 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.