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Stanly County, North Carolina: commercial real estate data.
Stanly County, North Carolina has a population of 64,651 across 395 square miles, up 7.7 percent since the 2020 census base. County output reached $2.78 bn in 2024, 1,459 establishments operate here, and the SBA record carries 43 7(a) approvals worth $30.3 m.
127 sourced county values · tier FULL · 12 sections
Stanly County
How many people live in Stanly County
- Population64,651
- Households25,240
- Average household size2.56
- Median household income$60,704
- Median age40.5
- Median gross rent$861 per month
- Median owner-occupied home value$242,400
- Home value to household income4.0 times
- Annual rent as a share of median income17.0 percent
- Adults 25 and over with a bachelor degree or higher19.9 percent
- Adults 25 and over with a graduate degree5.5 percent
- Adults 25 and over45,338
- Population under 1814,002
- Share under 1821.7 percent
- Population 65 and over12,378
- Share 65 and over19.1 percent
- Working age population, 18 to 6438,271
- Civilian labor force30,460
- Unemployment rate4.1 percent
- Labor force participation, adults 18 and over60.1 percent
- Rank by population among North Carolina counties44th of 100
- Rank by population among US county-equivalents856th
Stanly County is the 44th largest of 100 North Carolina counties by population. A median home costs 4.0 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 21.7 percent against 19.1 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Stanly County
Is Stanly County growing
- Population change since the 2020 census base7.72 percent
- Census 2020 base population62,502
- Births, 2024705
- Deaths, 2024818
- Natural change, 2024-113
- Net domestic migration, 20241,455
- Net international migration, 2024170
- Total net migration, 20241,625
- Cumulative net domestic migration, 2021 to 20244,882
- Rank by growth among US county-equivalents262nd
The county has grown 7.72 percent 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.
Stanly County
Where people moving to Stanly County come from
- Tax returns filed by households arriving1,761
- People arriving, from those returns3,472
- Adjusted gross income arriving$112.6 m
- Net adjusted gross income movement$0
- Average income of an arriving household$63,921
- Largest single originStanly County Non-migrants (22,609 households)
- Largest single destination (22,609 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Stanly County Non-migrants | 22,609 | 46,869 | $1.57 bn |
| Other flows - Different State | 428 | 795 | $28.2 m |
| Mecklenburg County | 387 | 796 | $25.6 m |
| Cabarrus County | 353 | 726 | $22.1 m |
| Other flows - Same State | 245 | 428 | $14.0 m |
| Other flows - South | 232 | 403 | $14.3 m |
| Union County | 152 | 327 | $11.9 m |
| Rowan County | 77 | 139 | $3.7 m |
The largest single source of arrivals is Stanly 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.
Stanly County
What the Stanly County economy runs on
- County GDP, 2024$2.78 bn
- County GDP, 2023$2.63 bn
- GDP change, 2023 to 20245.8 percent
- GDP change over five years48.2 percent
- Rank by GDP among North Carolina counties47th
- Rank by GDP among US county-equivalents1028th
- GDP per resident$43,074
Output grew 5.8 percent in the latest year and 48.2 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.
Stanly County
Who employs people in Stanly County
- Covered employment, annual average23,093
- Establishments reporting1,703
- Average annual pay$44,697
- Average weekly wage$860
- Sector 56, employment3,778
- Sector 56, average annual pay$24,416
- Sector 31-33, employment3,512
- Sector 31-33, average annual pay$59,792
- Sector 44-45, employment2,893
- Sector 44-45, average annual pay$33,639
- Sector 72, employment2,075
- Sector 72, average annual pay$18,636
- Sector 62, employment1,708
- Sector 23, employment1,642
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 56 | 3,778 | 124 | $24,416 |
| Sector 31-33 | 3,512 | 95 | $59,792 |
| Sector 44-45 | 2,893 | 251 | $33,639 |
| Sector 72 | 2,075 | 133 | $18,636 |
| Sector 62 | 1,708 | 155 | $37,284 |
| Sector 23 | 1,642 | 253 | $65,224 |
| Sector 81 | 588 | 136 | $37,661 |
| Sector 42 | 426 | 68 | $67,464 |
The largest sector is the biggest private employer group at 3,778 jobs, 16.4 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.
Stanly County
What businesses operate in Stanly County
- Establishments, all industries1,459
- Employment at those establishments18,013
- Annual payroll$776.8 m
- Establishments per 1,000 residents22.6
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.
Stanly County
What is being built in Stanly County
- Housing units authorised by permit, 2024367
- Declared construction value permitted$61.8 m
- Single family units authorised367
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$168,383
- Units authorised per 1,000 households14.5
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Stanly County
How much SBA lending happens in Stanly County
- 7(a) approvals recorded43
- 7(a) gross approval dollars$30.3 m
- Average 7(a) approval$704,602
- Median 7(a) approval$392,200
- 10th percentile approval$15,000
- 90th percentile approval$2,060,000
- Largest single approval$3,495,000
- Jobs reported supported, 7(a)211
- Jobs per approval4.9
- Distinct 7(a) lenders active22
- Distinct industries receiving approvals32
- Median 7(a) term144 months
- Share of loans on real estate terms, 240 months or longer39.5 percent
- Loans on real estate terms17
- Loans on working capital terms, 120 months or shorter17
- Franchise loans8
- Franchise share of approvals18.6 percent
- Leading industry by approval countHotels (except Casino Hotels) and Motels (5)
- Most active lenderWells Fargo Bank National Association (7)
- 504 approvals recorded13
- 504 gross approval dollars$7.4 m
- Average 504 approval$570,385
- Median 504 approval$318,000
- Distinct CDCs active2
- 504 jobs per approval5.5
- 504 jobs per million dollars approved9.7
- Most active CDCCarolina Business Capital, Inc. (7)
- 7(a) share of SBA approvals76.8 percent
- Combined SBA approval dollars$37.7 m
The average approval of $704,602 sits well above the median of $392,200, 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. 39.5 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. US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Stanly County
Do SBA loans in Stanly County get paid back
- Loans with a final outcome recorded4
- Paid in full3
- Charged off1
- Status: Exempt from disclosure33
- Status: Cancelled4
- Status: Paid in full3
- Status: Charged off1
- Status: Committed, not yet disbursed2
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.
Stanly County
Which parts of Stanly County get the lending
- Places in the county with recorded lending6
- ALBEMARLE, approvals21
- Locust, approvals8
- NORWOOD, approvals5
- OAKBORO, approvals5
- RICHFIELD, approvals3
- MOUNT PLEASANT, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| ALBEMARLE | 21 | $18,666,000 |
| Locust | 8 | $5,593,900 |
| NORWOOD | 5 | $3,653,000 |
| OAKBORO | 5 | $680,000 |
| RICHFIELD | 3 | $1,555,000 |
| MOUNT PLEASANT | 1 | $150,000 |
ALBEMARLE accounts for 21 approvals against 8 in Locust. 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.
Stanly County
How big is Stanly County
- Land area395 sq mi
- Rank by land area among North Carolina counties64th of 100
- Width, east to west25.6 mi
- Height, north to south24.9 mi
- Geographies sharing a boundary5
- Residents per square mile of land164
- Establishments per square mile3.69
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.
Stanly County
What hazards affect Stanly County
- EPA radon zone predicted average indoor radon screening level less than 2 pCi/LZone 3
- Communities in the NFIP Community Status Book11
- Of those, participating in the NFIP11
- 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 Stanly 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 Stanly County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population64,651
- Households25,240
- Average household size2.56
- Median household income$60,704
- Median age40.5
Common questions
Stanly County questions, answered from the record.
How many people live in Stanly County, North Carolina?
64,651, in 25,240 households, ranking 44th of 100 North Carolina counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Stanly County growing?
The population has grown 7.72 percent since the 2020 census base. In 2024 there were 705 births against 818 deaths, with net migration of 1,625. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Stanly County?
$60,704. The median owner-occupied home is valued at $242,400, which is 4.0 times income, and median gross rent is $861 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Stanly County?
1,459 establishments, employing 18,013 people with an annual payroll of $776.8 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 Stanly County?
Average annual pay is $44,697, or $860 a week, across 23,093 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Stanly County?
43 7(a) approvals totalling $30.3 m since FY2020, across 22 lenders, with a median approval of $392,200, plus 13 504 approvals worth $7.4 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Stanly County?
367 housing units were authorised by permit in 2024, with a declared construction value of $61.8 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Stanly 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 Stanly County come from?
The largest single origin is Stanly County Non-migrants, with 22,609 households. Arriving households report an average income of $63,921 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 Stanly 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 Stanly 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.