HomeNorth CarolinaCumberland CountySpring Lake
Spring Lake, North Carolina: commercial real estate data.
Spring Lake is a Census town of 11,573 people across 23.62 square miles of land, in Cumberland County. Median household income is $51,958, 19.8 percent of occupied homes are owned, and the SBA record carries 12 7(a) approvals to borrowers here worth $8.7 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Spring Lake
What Spring Lake is
- Census place typetown
- Land area23.62 sq mi
- Water area0.22 sq mi
- Population per square mile of land490
- County holding the largest share of its areaCumberland 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.
Spring Lake
How many people live in Spring Lake
- Population11,573
- Median age26.1
- Population under 182,920
- Share under 1825.2 percent
- Population 65 and over913
- Share 65 and over7.9 percent
- Households4,519
- Family households2,836
- Share of households that are families62.8 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Spring Lake
Income and work in Spring Lake
- Median household income$51,958
- Per capita income$25,899
- Civilian labor force3,763
- Employed3,560
- Unemployed203 plus or minus 69
- Unemployment rate5.4 percent plus or minus 1.8
- Adults 25 and over6,170
- Adults 25 and over with a high school diploma or higher93.1 percent
- Adults 25 and over with a bachelor degree or higher25.2 percent plus or minus 5.2
- Adults 25 and over with a graduate degree6.6 percent plus or minus 2.5
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Spring Lake
Housing in Spring Lake
- Housing units5,393
- Occupied units4,519
- Vacant units874
- Vacancy rate16.2 percent
- Owner occupied893 plus or minus 182
- Renter occupied3,626
- Ownership rate19.8 percent
- Median owner-occupied home value$124,000 plus or minus $28,923
- Median gross rent, monthly$1,351
- Annual rent as a share of median income31.2 percent
- Single family units2,602
- Share single family48.2 percent
- Units in buildings of two or more2,574
- Share in buildings of two or more47.7 percent
- Mobile homes217 plus or minus 73
- Median year structure built1990
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Spring Lake
How Spring Lake gets to work
- Workers 16 and over who commute5,622
- Commuting under 15 minutes2,085
- Share commuting under 15 minutes37.1 percent
- Commuting 30 minutes or more1,081 plus or minus 227
- Share commuting 30 minutes or more19.2 percent plus or minus 3.8
- Drove alone72.6 percent
- Carpooled13.8 percent plus or minus 5.0
- Public transport0.0 percent
- Walked8.4 percent plus or minus 3.3
- Worked from home3.3 percent plus or minus 1.3
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Spring Lake
SBA loans in Spring Lake (7(a))
- Approvals12
- Gross approval$8,725,300
- Average approval$727,108
- Median approval$262,500
- Largest approval$5,000,000
- Jobs supported97
- Jobs per approval8.1
- Loans with a final outcome2
- Paid in full2
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more16.7 percent
- Share to franchises8.3 percent
- Distinct lenders11
- Distinct industries by NAICS10
Counted by borrower city: approvals to borrowers whose address is in Spring Lake, in any county, FY2020 to FY2026. Only 2 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.
Spring Lake
SBA loans in Spring Lake (504)
- Approvals1
- Gross approval$928,000
- Average approval$928,000
- Median approval$928,000
- Largest approval$928,000
- Jobs supported35
- Loans with a final outcome0
- Charged off0
- Median term300 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Spring Lake, 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.
Spring Lake
Flood risk in Spring Lake
- NFIP communityTown of Spring Lake
- NFIP community number370484
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date12/18/07
The Town of Spring Lake participates in the National Flood Insurance Program as community 370484 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.
Cumberland County, not Spring Lake
Cumberland County context, not Spring Lake figures
- Establishments in Cumberland County5,947
- Covered employment, Cumberland County122,995
- Average annual pay, Cumberland County$55,785
- Housing units permitted, Cumberland County1,230
Every figure in this section is published for Cumberland County as a whole and is not a measurement of Spring Lake.
All Cumberland County figures →
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
Spring Lake questions, answered from the record.
How many people live in Spring Lake, North Carolina?
11,573, in 4,519 households. Spring Lake town covers 23.62 square miles of land, which is 490 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Spring Lake in?
Cumberland 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 Spring Lake?
$51,958. The median owner-occupied home is valued at $124,000. Median gross rent is $1,351 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Spring Lake businesses?
12 7(a) approvals totaling $8.7 m since FY2020, across 11 lenders, median approval $262,500, plus 1 504 approvals worth $928,000 since FY2010. These count approvals to borrowers whose address is in Spring Lake, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Spring Lake borrowers get paid back?
No rate is published for Spring Lake. Only 2 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 Spring Lake in the National Flood Insurance Program?
Yes. Spring Lake appears in the FEMA Community Status Book as Spring Lake, town of, community 370484, 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 Spring Lake figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Cumberland 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 Spring Lake.
Is zoning published for Spring Lake?
No. Nothing on this page presents parcel level zoning.
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