HomeNorth CarolinaCaldwell CountyGranite Falls town
Granite Falls town, North Carolina: commercial real estate data.
Granite Falls town is a Census town of 4,929 people across 4.94 square miles of land, in Caldwell County. Median household income is $56,917, 66.3 percent of occupied homes are owned, and the SBA record carries 8 7(a) approvals to borrowers here worth $3.6 m.
70 sourced place values · tier FULL · 8 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Granite Falls
What Granite Falls is
- Census place typetown
- Land area4.94 sq mi
- Water area0.04 sq mi
- Population per square mile of land998
- County holding the largest share of its areaCaldwell 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.
Granite Falls
How many people live in Granite Falls
- Population4,929
- Median age40.7
- Population under 181,215 plus or minus 258
- Share under 1824.7 percent plus or minus 5.2
- Population 65 and over908 plus or minus 216
- Share 65 and over18.4 percent plus or minus 4.4
- Households1,724
- Family households1,329
- Share of households that are families77.1 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Granite Falls
Income and work in Granite Falls
- Median household income$56,917
- Per capita income$33,133
- Civilian labor force2,320
- Employed2,163
- Unemployed157 plus or minus 90
- Unemployment rate6.8 percent plus or minus 3.8
- Adults 25 and over3,248
- Adults 25 and over with a high school diploma or higher91.3 percent
- Adults 25 and over with a bachelor degree or higher25.6 percent plus or minus 6.2
- Adults 25 and over with a graduate degree9.9 percent plus or minus 3.9
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Granite Falls
Housing in Granite Falls
- Housing units1,795
- Occupied units1,724
- Vacant units71 plus or minus 59
- Vacancy rate4.0 percent plus or minus 3.3
- Owner occupied1,143
- Renter occupied581 plus or minus 135
- Ownership rate66.3 percent
- Median owner-occupied home value$202,400
- Median gross rent, monthly$905
- Annual rent as a share of median income19.1 percent plus or minus 5.0
- Single family units1,188
- Share single family66.2 percent
- Units in buildings of two or more430 plus or minus 145
- Share in buildings of two or more24.0 percent plus or minus 7.8
- Mobile homes177 plus or minus 134
- Median year structure built1991
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Granite Falls
How Granite Falls gets to work
- Workers 16 and over who commute1,948
- Commuting under 15 minutes598 plus or minus 163
- Share commuting under 15 minutes30.7 percent plus or minus 7.3
- Commuting 30 minutes or more439 plus or minus 138
- Share commuting 30 minutes or more22.5 percent plus or minus 6.4
- Drove alone86.1 percent
- Carpooled4.0 percent plus or minus 3.0
- Public transport0.0 percent
- Walked1.0 percent plus or minus 1.3
- Worked from home8.9 percent plus or minus 4.0
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Granite Falls
SBA loans in Granite Falls (7(a))
- Approvals8
- Gross approval$3,641,100
- Average approval$455,138
- Median approval$585,000
- Ninetieth percentile approval$1,275,000
- Largest approval$1,275,000
- Jobs supported131
- Jobs per approval16.4
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more12.5 percent
- Share to franchises50.0 percent
- Distinct lenders6
- Distinct industries by NAICS5
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.
Granite Falls
Flood risk in Granite Falls
- Listed NFIP communities1
- Of those, participating1
- NFIP community number370414
- Currently effective map date07/07/09(M)
This community carries no Community Rating System class, so no CRS premium discount applies to it.
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
Caldwell County, not Granite Falls
Caldwell County context, not Granite Falls figures
These are Caldwell County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Granite Falls measurements.
- Establishments in Caldwell County1,414
- Employment at those establishments, Caldwell County23,930
- Covered employment, Caldwell County25,506
- Average annual pay, Caldwell County$50,605
- Average weekly wage, Caldwell County$973
- Housing units permitted, Caldwell County224
- Of those, single family, Caldwell County224
- County product, 2024, Caldwell County$3,307,968,000
- County product change over the prior year, Caldwell County4.8 percent
- Average income of an arriving household, Caldwell County$60,364
Every figure in this section is published for Caldwell County as a whole and is not a measurement of Granite Falls. 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.
- 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
Granite Falls questions, answered from the record.
How many people live in Granite Falls, North Carolina?
4,929, in 1,724 households. Granite Falls town covers 4.94 square miles of land, which is 998 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Granite Falls in?
Caldwell 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 Granite Falls?
$56,917. The median owner-occupied home is valued at $202,400. Median gross rent is $905 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Granite Falls businesses?
8 7(a) approvals totalling $3.6 m, across 6 lenders, median approval $585,000. These count approvals to borrowers whose address is in Granite Falls, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Granite Falls borrowers get paid back?
No rate is published for Granite Falls. 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.
Is Granite Falls in the National Flood Insurance Program?
Yes. Granite Falls appears in the FEMA Community Status Book as community 370414, 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 Granite Falls figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Caldwell 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 Granite Falls.
Is zoning published for Granite Falls?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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