HomeMississippiPontotoc CountyPontotoc city
Pontotoc city, Mississippi: commercial real estate data.
Pontotoc city 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.
76 sourced place values · tier FULL · 8 sections · 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
- Ninetieth percentile approval$2,035,000
- 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
A charge-off rate is not published here. only 0 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
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
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Pontotoc County, not Pontotoc
Pontotoc County context, not Pontotoc figures
These are Pontotoc County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Pontotoc measurements.
- Establishments in Pontotoc County540
- Employment at those establishments, Pontotoc County12,209
- Covered employment, Pontotoc County11,759
- Average annual pay, Pontotoc County$41,725
- Average weekly wage, Pontotoc County$802
- Housing units permitted, Pontotoc County101
- Of those, single family, Pontotoc County41
- County product, 2024, Pontotoc County$1,285,727,000
- County product change over the prior year, Pontotoc County3.6 percent
- Average income of an arriving household, Pontotoc County$38,937
Every figure in this section is published for Pontotoc County as a whole and is not a measurement of Pontotoc. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
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. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
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.
- This place is not listed as a community in the FEMA Community Status Book, so no NFIP participation or CRS class is shown.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
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 totalling $3.0 m, across 4 lenders, median approval $150,000, plus 1 504 approvals worth $590,000. 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 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Are the county figures on this page Pontotoc figures?
No, and they are labelled 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?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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