HomeNorth CarolinaScotland County
Scotland County, North Carolina: commercial real estate data.
Scotland County, North Carolina has a population of 33,590 across 319 square miles, down 0.8 percent since the 2020 census base. County output reached $1.56 bn in 2024, 624 establishments operate here, and the SBA record carries 16 7(a) approvals worth $22.2 m.
127 sourced county values · tier FULL · 12 sections
Scotland County
How many people live in Scotland County
- Population33,590
- Households12,580
- Average household size2.67
- Median household income$45,730
- Median age38.7
- Median gross rent$778 per month
- Median owner-occupied home value$114,900
- Home value to household income2.5 times
- Annual rent as a share of median income20.4 percent
- Adults 25 and over with a bachelor degree or higher16.6 percent
- Adults 25 and over with a graduate degree6.6 percent
- Adults 25 and over22,661
- Population under 187,804
- Share under 1823.2 percent
- Population 65 and over6,178
- Share 65 and over18.4 percent
- Working age population, 18 to 6419,608
- Civilian labor force14,029
- Unemployment rate10.9 percent
- Labor force participation, adults 18 and over54.4 percent
- Rank by population among North Carolina counties69th of 100
- Rank by population among US county-equivalents1381st
Scotland County is the 69th largest of 100 North Carolina 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 23.2 percent against 18.4 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Scotland County
Is Scotland County growing
- Population change since the 2020 census base-0.80 percent
- Census 2020 base population34,173
- Births, 2024402
- Deaths, 2024494
- Natural change, 2024-92
- Net domestic migration, 2024204
- Net international migration, 2024126
- Total net migration, 2024330
- Cumulative net domestic migration, 2021 to 2024645
- Rank by growth among US county-equivalents2118th
The county has lost 0.80 percent of its population 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.
Scotland County
Where people moving to Scotland County come from
- Tax returns filed by households arriving814
- People arriving, from those returns1,536
- Adjusted gross income arriving$33.2 m
- Net adjusted gross income movement$0
- Average income of an arriving household$40,844
- Largest single originScotland County Non-migrants (11,031 households)
- Largest single destination (11,031 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Scotland County Non-migrants | 11,031 | 22,501 | $576.3 m |
| Other flows - Different State | 268 | 509 | $12.7 m |
| Other flows - Same State | 177 | 282 | $7.0 m |
| Other flows - South | 150 | 292 | $6.2 m |
| Robeson County | 92 | 195 | $2.9 m |
| Richmond County | 63 | 139 | $2.5 m |
| Marlboro County | 61 | 127 | $1.6 m |
| Cumberland County | 50 | 87 | $2.0 m |
The largest single source of arrivals is Scotland 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.
Scotland County
What the Scotland County economy runs on
- County GDP, 2024$1.56 bn
- County GDP, 2023$1.46 bn
- GDP change, 2023 to 20246.7 percent
- GDP change over five years32.5 percent
- Rank by GDP among North Carolina counties68th
- Rank by GDP among US county-equivalents1481st
- GDP per resident$46,441
Output grew 6.7 percent in the latest year and 32.5 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.
Scotland County
Who employs people in Scotland County
- Covered employment, annual average11,960
- Establishments reporting706
- Average annual pay$50,042
- Average weekly wage$962
- Sector 31-33, employment2,425
- Sector 31-33, average annual pay$62,988
- Sector 44-45, employment1,538
- Sector 44-45, average annual pay$27,449
- Sector 72, employment1,170
- Sector 72, average annual pay$18,169
- Sector 56, employment430
- Sector 56, average annual pay$48,350
- Sector 23, employment362
- Sector 48-49, employment250
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 2,425 | 51 | $62,988 |
| Sector 44-45 | 1,538 | 128 | $27,449 |
| Sector 72 | 1,170 | 72 | $18,169 |
| Sector 56 | 430 | 47 | $48,350 |
| Sector 23 | 362 | 33 | $49,784 |
| Sector 48-49 | 250 | 22 | $48,029 |
| Sector 52 | 179 | 34 | $61,851 |
| Sector 81 | 160 | 49 | $30,427 |
The largest sector is the biggest private employer group at 2,425 jobs, 20.3 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.
Scotland County
What businesses operate in Scotland County
- Establishments, all industries624
- Employment at those establishments10,272
- Annual payroll$412.4 m
- Establishments per 1,000 residents18.6
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.
Scotland County
What is being built in Scotland County
- Housing units authorised by permit, 202470
- Declared construction value permitted$15.6 m
- Single family units authorised70
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$222,868
- Units authorised per 1,000 households5.6
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Scotland County
How much SBA lending happens in Scotland County
- 7(a) approvals recorded16
- 7(a) gross approval dollars$22.2 m
- Average 7(a) approval$1,387,119
- Median 7(a) approval$763,000
- 10th percentile approval$15,000
- 90th percentile approval$4,326,400
- Largest single approval$4,700,000
- Jobs reported supported, 7(a)100
- Jobs per approval6.3
- Distinct 7(a) lenders active10
- Distinct industries receiving approvals8
- Median 7(a) term144 months
- Share of loans on real estate terms, 240 months or longer25.0 percent
- Loans on real estate terms4
- Loans on working capital terms, 120 months or shorter6
- Franchise loans2
- Franchise share of approvals12.5 percent
- Leading industry by approval countBroilers and Other Meat Type Chicken Production (7)
- Most active lenderFirst Financial Bank (6)
- 504 approvals recorded1
- 504 gross approval dollars$595,000
- Average 504 approval$595,000
- Median 504 approval$595,000
- Distinct CDCs active1
- 504 jobs per approval12.0
- 504 jobs per million dollars approved20.2
- Most active CDCSBA CLSC Servicing (1)
- 7(a) share of SBA approvals94.1 percent
- Combined SBA approval dollars$22.8 m
The average approval of $1,387,119 sits well above the median of $763,000, 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 25.0 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.
Scotland County
Do SBA loans in Scotland County get paid back
- Loans with a final outcome recorded4
- Paid in full3
- Charged off1
- Status: Paid in full3
- Status: Exempt from disclosure10
- Status: Charged off1
- Status: Cancelled1
- Status: Committed, not yet disbursed1
Too few loans have reached a final outcome to publish a charge off rate. only 4 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.
Scotland County
Which parts of Scotland County get the lending
- Places in the county with recorded lending6
- Laurinburg, approvals6
- WAGRAM, approvals3
- LAUREL HILL, approvals2
- GIBSON, approvals2
- MARSTON, approvals2
- ABERDEEN, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Laurinburg | 6 | $12,244,400 |
| WAGRAM | 3 | $3,903,000 |
| LAUREL HILL | 2 | $2,280,500 |
| GIBSON | 2 | $778,000 |
| MARSTON | 2 | $1,277,000 |
| ABERDEEN | 1 | $1,711,000 |
Laurinburg accounts for 6 approvals against 3 in WAGRAM. 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.
Scotland County
How big is Scotland County
- Land area319 sq mi
- Rank by land area among North Carolina counties79th of 100
- Width, east to west19.5 mi
- Height, north to south28.5 mi
- Geographies sharing a boundary3
- Residents per square mile of land105
- Establishments per square mile1.96
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.
Scotland County
What hazards affect Scotland County
- EPA radon zone predicted average indoor radon screening level less than 2 pCi/LZone 3
- Communities in the NFIP Community Status Book5
- Of those, participating in the NFIP5
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
The EPA places the county in radon zone 3, a predicted average indoor radon screening level less than 2 pCi/L.
US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001. FEMA OpenFEMA, NFIP Community Status Book, Community Status Book, as retrieved.
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.
- 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 Scotland 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 Scotland County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population33,590
- Households12,580
- Average household size2.67
- Median household income$45,730
- Median age38.7
Common questions
Scotland County questions, answered from the record.
How many people live in Scotland County, North Carolina?
33,590, in 12,580 households, ranking 69th of 100 North Carolina counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Scotland County growing?
The population has fallen 0.80 percent since the 2020 census base. In 2024 there were 402 births against 494 deaths, with net migration of 330. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Scotland County?
$45,730. The median owner-occupied home is valued at $114,900, which is 2.5 times income, and median gross rent is $778 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Scotland County?
624 establishments, employing 10,272 people with an annual payroll of $412.4 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 Scotland County?
Average annual pay is $50,042, or $962 a week, across 11,960 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Scotland County?
16 7(a) approvals totalling $22.2 m since FY2020, across 10 lenders, with a median approval of $763,000, plus 1 504 approvals worth $595,000. These are approvals recorded in the release, not loans disbursed.
What is being built in Scotland County?
70 housing units were authorised by permit in 2024, with a declared construction value of $15.6 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Scotland 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 Scotland County come from?
The largest single origin is Scotland County Non-migrants, with 11,031 households. Arriving households report an average income of $40,844 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 Scotland 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 Scotland 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.