HomeMississippiDeSoto CountyHorn Lake
Horn Lake, Mississippi: commercial real estate data.
Horn Lake is a Census city of 26,647 people across 16.03 square miles of land, in DeSoto County. Median household income is $53,311, 58.1 percent of occupied homes are owned, and the SBA record carries 14 7(a) approvals to borrowers here worth $20.4 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Horn Lake
What Horn Lake is
- Census place typecity
- Land area16.03 sq mi
- Water area0.29 sq mi
- Population per square mile of land1,663
- County holding the largest share of its areaDeSoto County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Horn Lake
How many people live in Horn Lake
- Population26,647
- Median age33.5
- Population under 187,066
- Share under 1826.5 percent
- Population 65 and over2,935
- Share 65 and over11.0 percent
- Households10,072
- Family households6,758
- Share of households that are families67.1 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Horn Lake
Income and work in Horn Lake
- Median household income$53,311
- Per capita income$26,749
- Civilian labor force13,396
- Employed12,621
- Unemployed775 plus or minus 274
- Unemployment rate5.8 percent plus or minus 2.0
- Adults 25 and over16,679
- Adults 25 and over with a high school diploma or higher86.6 percent
- Adults 25 and over with a bachelor degree or higher16.5 percent
- Adults 25 and over with a graduate degree5.5 percent plus or minus 1.5
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Horn Lake
Housing in Horn Lake
- Housing units10,987
- Occupied units10,072
- Vacant units915 plus or minus 252
- Vacancy rate8.3 percent plus or minus 2.3
- Owner occupied5,854
- Renter occupied4,218
- Ownership rate58.1 percent
- Median owner-occupied home value$171,400
- Median gross rent, monthly$1,435
- Annual rent as a share of median income32.3 percent
- Single family units8,403
- Share single family76.5 percent
- Units in buildings of two or more2,225 plus or minus 498
- Share in buildings of two or more20.3 percent plus or minus 4.4
- Mobile homes330 plus or minus 213
- Median year structure built1991
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Horn Lake
How Horn Lake gets to work
- Workers 16 and over who commute11,733
- Commuting under 15 minutes2,066 plus or minus 423
- Share commuting under 15 minutes17.6 percent
- Commuting 30 minutes or more4,999
- Share commuting 30 minutes or more42.6 percent
- Drove alone88.1 percent
- Carpooled6.3 percent plus or minus 2.2
- Public transport0.0 percent
- Walked0.0 percent
- Worked from home4.3 percent plus or minus 2.1
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Horn Lake
SBA loans in Horn Lake (7(a))
- Approvals14
- Gross approval$20,350,900
- Average approval$1,453,636
- Median approval$879,250
- Largest approval$4,237,000
- Jobs supported188
- Jobs per approval13.4
- Loans with a final outcome4
- Paid in full3
- Charged off1
- Median term300 months
- Share on real estate terms of 20 years or more64.3 percent
- Share to franchises14.3 percent
- Distinct lenders12
- Distinct industries by NAICS10
Counted by borrower city: approvals to borrowers whose address is in Horn Lake, in any county, FY2020 to FY2026. Only 4 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Horn Lake
SBA loans in Horn Lake (504)
- Approvals1
- Gross approval$913,000
- Average approval$913,000
- Median approval$913,000
- Largest approval$913,000
- Jobs supported32
- Loans with a final outcome1
- Charged off0
- Median term240 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Horn Lake, in any county, FY2010 to FY2026. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Horn Lake
Flood risk in Horn Lake
- NFIP communityCity of Horn Lake
- NFIP community number280051
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date03/06/18
The City of Horn Lake participates in the National Flood Insurance Program as community 280051 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
DeSoto County, not Horn Lake
DeSoto County context, not Horn Lake figures
- Establishments in DeSoto County3,349
- Covered employment, DeSoto County72,666
- Average annual pay, DeSoto County$45,687
- Housing units permitted, DeSoto County1,159
Every figure in this section is published for DeSoto County as a whole and is not a measurement of Horn Lake.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Horn Lake questions, answered from the record.
How many people live in Horn Lake, Mississippi?
26,647, in 10,072 households. Horn Lake city covers 16.03 square miles of land, which is 1,663 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Horn Lake in?
DeSoto County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Horn Lake?
$53,311. The median owner-occupied home is valued at $171,400. Median gross rent is $1,435 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Horn Lake businesses?
14 7(a) approvals totaling $20.4 m since FY2020, across 12 lenders, median approval $879,250, plus 1 504 approvals worth $913,000 since FY2010. These count approvals to borrowers whose address is in Horn Lake, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Horn Lake borrowers get paid back?
No rate is published for Horn Lake. Only 4 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Horn Lake in the National Flood Insurance Program?
Yes. Horn Lake appears in the FEMA Community Status Book as Horn Lake, city of, community 280051, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Horn Lake figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for DeSoto County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Horn Lake.
Is zoning published for Horn Lake?
No. Nothing on this page presents parcel level zoning.
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