HomeNorth CarolinaGranville CountyStem
Stem, North Carolina: commercial real estate data.
Stem is a Census town of 1,249 people across 1.24 square miles of land, in Granville County. Median household income is $95,625, 97.7 percent of occupied homes are owned, and the SBA record carries 2 7(a) approvals to borrowers here worth $2.1 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Stem
What Stem is
- Census place typetown
- Land area1.24 sq mi
- Water area0 sq mi
- Population per square mile of land1,008 plus or minus 294
- County holding the largest share of its areaGranville 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.
Stem
How many people live in Stem
- Population1,249 plus or minus 365
- Median age32.1 plus or minus 8.3
- Population under 18394 plus or minus 167
- Share under 1831.5 percent plus or minus 9.6
- Population 65 and over108 plus or minus 42
- Share 65 and over8.6 percent plus or minus 2.3
- Households427 plus or minus 117
- Family households347 plus or minus 115
- Share of households that are families81.3 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Stem
Income and work in Stem
- Median household income$95,625
- Per capita income$35,520 plus or minus $7,389
- Civilian labor force629 plus or minus 173
- Employed622 plus or minus 172
- Unemployed7 plus or minus 9
- Unemployment rate1.1 percent plus or minus 1.4
- Adults 25 and over712 plus or minus 165
- Adults 25 and over with a high school diploma or higher92.3 percent plus or minus 29.9
- Adults 25 and over with a bachelor degree or higher29.4 percent plus or minus 8.3
- Adults 25 and over with a graduate degree10.7 percent plus or minus 8.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Stem
Housing in Stem
- Housing units476 plus or minus 128
- Occupied units427 plus or minus 117
- Vacant units49 plus or minus 35
- Vacancy rate10.3 percent plus or minus 6.8
- Owner occupied417 plus or minus 115
- Renter occupied10 plus or minus 8
- Ownership rate97.7 percent
- Median owner-occupied home value$240,500
- Median gross rent, monthly$925
- Annual rent as a share of median income11.6 percent plus or minus 3.0
- Single family units467 plus or minus 127
- Share single family98.1 percent
- Units in buildings of two or more0
- Share in buildings of two or more0.0 percent
- Mobile homes9 plus or minus 15
- Median year structure built2011
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Stem
How Stem gets to work
- Workers 16 and over who commute517 plus or minus 148
- Commuting under 15 minutes55 plus or minus 27
- Share commuting under 15 minutes10.6 percent plus or minus 4.2
- Commuting 30 minutes or more284 plus or minus 90
- Share commuting 30 minutes or more54.9 percent
- Drove alone75.5 percent
- Carpooled5.7 percent plus or minus 4.6
- Public transport0.0 percent
- Walked0.0 percent
- Worked from home18.3 percent plus or minus 7.8
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Stem
SBA loans in Stem (7(a))
- Approvals2
- Gross approval$2,149,000
- Average approval$1,074,500
- Median approval$1,074,500
- Largest approval$1,950,000
- Jobs supported24
- Jobs per approval12.0
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term300 months
- Share on real estate terms of 20 years or more100.0 percent
- Share to franchises0.0 percent
- Distinct lenders2
- Distinct industries by NAICS2
Counted by borrower city: approvals to borrowers whose address is in Stem, 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.
Stem
Flood risk in Stem
- NFIP communityTown of Stem
- NFIP community number370109
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date12/06/19
The Town of Stem participates in the National Flood Insurance Program as community 370109 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.
Granville County, not Stem
Granville County context, not Stem figures
- Establishments in Granville County962
- Covered employment, Granville County20,301
- Average annual pay, Granville County$59,314
- Housing units permitted, Granville County428
Every figure in this section is published for Granville County as a whole and is not a measurement of Stem.
All Granville 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
Stem questions, answered from the record.
How many people live in Stem, North Carolina?
1,249, in 427 households. Stem town covers 1.24 square miles of land, which is 1,008 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Stem in?
Granville 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 Stem?
$95,625. The median owner-occupied home is valued at $240,500. Median gross rent is $925 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Stem businesses?
2 7(a) approvals totaling $2.1 m since FY2020, across 2 lenders, median approval $1,074,500. These count approvals to borrowers whose address is in Stem, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Stem borrowers get paid back?
No rate is published for Stem. 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 Stem in the National Flood Insurance Program?
Yes. Stem appears in the FEMA Community Status Book as Stem, town of, community 370109, 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 Stem figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Granville 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 Stem.
Is zoning published for Stem?
No. Nothing on this page presents parcel level zoning.
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