HomeMississippiStone County
Stone County, Mississippi: commercial real estate data.
Stone County, Mississippi has a population of 18,894 across 445 square miles, up 6.8 percent since the 2020 census base. County output reached $565.2 m in 2024, 306 establishments operate here, and the SBA record carries 5 7(a) approvals worth $1.8 m.
106 sourced county values · tier FULL · 11 sections
Stone County
How many people live in Stone County
- Population18,894
- Households6,705
- Average household size2.82
- Median household income$61,413
- Median age39.5
- Median gross rent$936 per month
- Median owner-occupied home value$161,100
- Home value to household income2.6 times
- Annual rent as a share of median income18.3 percent
- Adults 25 and over with a bachelor degree or higher17.2 percent
- Adults 25 and over with a graduate degree6.4 percent
- Adults 25 and over12,373
- Population under 184,007
- Share under 1821.2 percent
- Population 65 and over3,285
- Share 65 and over17.4 percent
- Working age population, 18 to 6411,602
- Civilian labor force7,809
- Unemployment rate9.3 percent
- Labor force participation, adults 18 and over52.5 percent
- Rank by population among Mississippi counties47th of 82
- Rank by population among US county-equivalents1938th
Stone County is the 47th largest of 82 Mississippi counties by population. A median home costs 2.6 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 21.2 percent against 17.4 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Stone County
Is Stone County growing
- Population change since the 2020 census base6.75 percent
- Census 2020 base population18,331
- Births, 2024206
- Deaths, 2024192
- Natural change, 202414
- Net domestic migration, 2024526
- Net international migration, 202426
- Total net migration, 2024552
- Cumulative net domestic migration, 2021 to 20241,302
- Rank by growth among US county-equivalents322nd
The county has grown 6.75 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.
Stone County
Where people moving to Stone County come from
- Tax returns filed by households arriving499
- People arriving, from those returns998
- Adjusted gross income arriving$22.7 m
- Net adjusted gross income movement$0
- Average income of an arriving household$45,507
- Largest single originStone County Non-migrants (5,522 households)
- Largest single destination (5,522 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Stone County Non-migrants | 5,522 | 12,017 | $324.1 m |
| Harrison County | 177 | 363 | $7.9 m |
| Other flows - Different State | 134 | 248 | $6.6 m |
| Other flows - South | 106 | 192 | $5.1 m |
| Other flows - Same State | 95 | 197 | $4.0 m |
| Jackson County | 38 | 82 | $1.8 m |
| Forrest County | 28 | 60 | $1.3 m |
| Other flows - West | 28 | 56 | $1.5 m |
The largest single source of arrivals is Stone 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.
Stone County
What the Stone County economy runs on
- County GDP, 2024$565.2 m
- County GDP, 2023$553.0 m
- GDP change, 2023 to 20242.2 percent
- GDP change over five years36.2 percent
- Rank by GDP among Mississippi counties58th
- Rank by GDP among US county-equivalents2321st
- GDP per resident$29,912
Output grew 2.2 percent in the latest year and 36.2 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.
Stone County
Who employs people in Stone County
- Covered employment, annual average4,801
- Establishments reporting332
- Average annual pay$42,655
- Average weekly wage$820
- Sector 44-45, employment764
- Sector 44-45, average annual pay$32,135
- Sector 31-33, employment520
- Sector 31-33, average annual pay$63,714
- Sector 11, employment261
- Sector 11, average annual pay$56,921
- Sector 23, employment234
- Sector 23, average annual pay$57,542
- Sector 54, employment161
- Sector 48-49, employment152
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 764 | 69 | $32,135 |
| Sector 31-33 | 520 | 10 | $63,714 |
| Sector 11 | 261 | 19 | $56,921 |
| Sector 23 | 234 | 29 | $57,542 |
| Sector 54 | 161 | 20 | $65,393 |
| Sector 48-49 | 152 | 21 | $48,157 |
| Sector 52 | 119 | 17 | $54,573 |
| Sector 56 | 31 | 9 | $46,377 |
The largest sector is the biggest private employer group at 764 jobs, 15.9 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.
Stone County
What businesses operate in Stone County
- Establishments, all industries306
- Employment at those establishments3,598
- Annual payroll$152.9 m
- Establishments per 1,000 residents16.2
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.
Stone County
What is being built in Stone County
- Housing units authorised by permit, 202454
- Declared construction value permitted$8.7 m
- Single family units authorised54
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$160,679
- Units authorised per 1,000 households8.1
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Stone County
How much SBA lending happens in Stone County
- 7(a) approvals recorded5
- 7(a) gross approval dollars$1.8 m
- Average 7(a) approval$364,220
- Median 7(a) approval$218,600
- 10th percentile approval$25,000
- 90th percentile approval$1,290,000
- Largest single approval$1,290,000
- Jobs reported supported, 7(a)52
- Jobs per approval10.4
- Distinct 7(a) lenders active5
- Distinct industries receiving approvals5
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer40.0 percent
- Loans on real estate terms2
- Loans on working capital terms, 120 months or shorter3
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countPharmacies and Drug Retailers (1)
- Most active lenderFirst Financial Bank (1)
The average approval of $364,220 sits well above the median of $218,600, 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. 40.0 percent of approvals run on real estate terms of 240 months or more, so this is a market where SBA credit is buying buildings, not just funding operations.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Stone County
Do SBA loans in Stone County get paid back
- Loans with a final outcome recorded0
- Paid in full0
- Charged off0
- Status: Exempt from disclosure4
- Status: Cancelled1
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.
Stone County
Which parts of Stone County get the lending
- Places in the county with recorded lending3
- WIGGINS, approvals3
- MC HENRY, approvals1
- PERKINSTON, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| WIGGINS | 3 | $1,771,100 |
| MC HENRY | 1 | $25,000 |
| PERKINSTON | 1 | $25,000 |
WIGGINS accounts for 3 approvals against 1 in MC HENRY. 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.
Stone County
How big is Stone County
- Land area445 sq mi
- Rank by land area among Mississippi counties62nd of 82
- Width, east to west27.2 mi
- Height, north to south18.2 mi
- Geographies sharing a boundary6
- Residents per square mile of land42
- Establishments per square mile0.69
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 Stone 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 Stone County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population18,894
- Households6,705
- Average household size2.82
- Median household income$61,413
- Median age39.5
Common questions
Stone County questions, answered from the record.
How many people live in Stone County, Mississippi?
18,894, in 6,705 households, ranking 47th of 82 Mississippi counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Stone County growing?
The population has grown 6.75 percent since the 2020 census base. In 2024 there were 206 births against 192 deaths, with net migration of 552. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Stone County?
$61,413. The median owner-occupied home is valued at $161,100, which is 2.6 times income, and median gross rent is $936 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Stone County?
306 establishments, employing 3,598 people with an annual payroll of $152.9 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 Stone County?
Average annual pay is $42,655, or $820 a week, across 4,801 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Stone County?
5 7(a) approvals totalling $1.8 m since FY2020, across 5 lenders, with a median approval of $218,600. These are approvals recorded in the release, not loans disbursed.
What is being built in Stone County?
54 housing units were authorised by permit in 2024, with a declared construction value of $8.7 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Stone 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 Stone County come from?
The largest single origin is Stone County Non-migrants, with 5,522 households. Arriving households report an average income of $45,507 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 Stone 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 Stone 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.