HomeMississippiPontotoc CountyPontotoc
Pontotoc, Mississippi: commercial real estate data.
Pontotoc is a Census city of 5,806 people across 11.18 square miles of land, in Pontotoc County. Median household income is $46,167, 53.8 percent of occupied homes are owned, and the SBA record carries 6 7(a) approvals to borrowers here worth $3.0 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Pontotoc
What Pontotoc is
- Census place typecity
- Land area11.18 sq mi
- Water area0.15 sq mi
- Population per square mile of land519
- County holding the largest share of its areaPontotoc 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.
Pontotoc
How many people live in Pontotoc
- Population5,806
- Median age34.0
- Population under 181,566 plus or minus 324
- Share under 1827.0 percent plus or minus 5.6
- Population 65 and over990 plus or minus 278
- Share 65 and over17.1 percent plus or minus 4.8
- Households2,086
- Family households1,268
- Share of households that are families60.8 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Pontotoc
Income and work in Pontotoc
- Median household income$46,167 plus or minus $12,974
- Per capita income$25,266
- Civilian labor force2,837
- Employed2,683
- Unemployed154 plus or minus 124
- Unemployment rate5.4 percent plus or minus 4.3
- Adults 25 and over3,744
- Adults 25 and over with a high school diploma or higher88.6 percent
- Adults 25 and over with a bachelor degree or higher25.4 percent plus or minus 6.6
- Adults 25 and over with a graduate degree11.9 percent plus or minus 4.8
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Pontotoc
Housing in Pontotoc
- Housing units2,348
- Occupied units2,086
- Vacant units262 plus or minus 135
- Vacancy rate11.2 percent plus or minus 5.6
- Owner occupied1,123 plus or minus 246
- Renter occupied963 plus or minus 233
- Ownership rate53.8 percent
- Median owner-occupied home value$155,800 plus or minus $68,797
- Median gross rent, monthly$803 plus or minus $218
- Annual rent as a share of median income20.9 percent plus or minus 8.2
- Single family units1,716
- Share single family73.1 percent
- Units in buildings of two or more485 plus or minus 215
- Share in buildings of two or more20.7 percent plus or minus 8.8
- Mobile homes147 plus or minus 108
- Median year structure built1972
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Pontotoc
How Pontotoc gets to work
- Workers 16 and over who commute2,510
- Commuting under 15 minutes1,177 plus or minus 340
- Share commuting under 15 minutes46.9 percent plus or minus 12.0
- Commuting 30 minutes or more689 plus or minus 229
- Share commuting 30 minutes or more27.5 percent plus or minus 8.4
- Drove alone89.0 percent
- Carpooled3.8 percent plus or minus 3.0
- Public transport0.0 percent
- Walked0.0 percent
- Worked from home3.8 percent plus or minus 3.6
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Pontotoc
SBA loans in Pontotoc (7(a))
- Approvals6
- Gross approval$2,987,300
- Average approval$497,883
- Median approval$150,000
- Largest approval$2,035,000
- Jobs supported146
- Jobs per approval24.3
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more33.3 percent
- Share to franchises50.0 percent
- Distinct lenders4
- Distinct industries by NAICS3
Counted by borrower city: approvals to borrowers whose address is in Pontotoc, in any county, FY2020 to FY2026. Only 0 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.
Pontotoc
SBA loans in Pontotoc (504)
- Approvals1
- Gross approval$590,000
- Average approval$590,000
- Median approval$590,000
- Largest approval$590,000
- Jobs supported45
- Loans with a final outcome0
- Charged off0
- Median term300 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Pontotoc, in any county, FY2010 to FY2026. Only 0 loans have 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.
Pontotoc
Flood risk in Pontotoc
- NFIP communityCity of Pontotoc
- NFIP community number280348
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date08/19/10
The City of Pontotoc participates in the National Flood Insurance Program as community 280348 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.
Pontotoc County, not Pontotoc
Pontotoc County context, not Pontotoc figures
- Establishments in Pontotoc County540
- Covered employment, Pontotoc County11,759
- Average annual pay, Pontotoc County$41,725
- Housing units permitted, Pontotoc County101
Every figure in this section is published for Pontotoc County as a whole and is not a measurement of Pontotoc.
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
Pontotoc questions, answered from the record.
How many people live in Pontotoc, Mississippi?
5,806, in 2,086 households. Pontotoc city covers 11.18 square miles of land, which is 519 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Pontotoc in?
Pontotoc 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 Pontotoc?
$46,167. The median owner-occupied home is valued at $155,800. Median gross rent is $803 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Pontotoc businesses?
6 7(a) approvals totaling $3.0 m since FY2020, across 4 lenders, median approval $150,000, plus 1 504 approvals worth $590,000 since FY2010. These count approvals to borrowers whose address is in Pontotoc, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Pontotoc borrowers get paid back?
No rate is published for Pontotoc. Only 0 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 Pontotoc in the National Flood Insurance Program?
Yes. Pontotoc appears in the FEMA Community Status Book as Pontotoc, city of, community 280348, 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 Pontotoc figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Pontotoc 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 Pontotoc.
Is zoning published for Pontotoc?
No. Nothing on this page presents parcel level zoning.
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