HomeNorth CarolinaHoke CountyRaeford
Raeford, North Carolina: commercial real estate data.
Raeford is a Census city of 4,552 people across 4.28 square miles of land, in Hoke County. Median household income is $46,494, 57.1 percent of occupied homes are owned, and the SBA record carries 12 7(a) approvals to borrowers here worth $4.4 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Raeford
What Raeford is
- Census place typecity
- Land area4.28 sq mi
- Water area0.02 sq mi
- Population per square mile of land1,063
- County holding the largest share of its areaHoke 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.
Raeford
How many people live in Raeford
- Population4,552
- Median age37.0
- Population under 181,125 plus or minus 228
- Share under 1824.7 percent plus or minus 5.0
- Population 65 and over969
- Share 65 and over21.3 percent
- Households1,592
- Family households998
- Share of households that are families62.7 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Raeford
Income and work in Raeford
- Median household income$46,494
- Per capita income$25,705
- Civilian labor force1,704
- Employed1,640
- Unemployed64 plus or minus 45
- Unemployment rate3.8 percent plus or minus 2.6
- Adults 25 and over3,054
- Adults 25 and over with a high school diploma or higher86.8 percent
- Adults 25 and over with a bachelor degree or higher23.6 percent
- Adults 25 and over with a graduate degree7.2 percent plus or minus 2.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Raeford
Housing in Raeford
- Housing units1,851
- Occupied units1,592
- Vacant units259 plus or minus 85
- Vacancy rate14.0 percent plus or minus 4.4
- Owner occupied909
- Renter occupied683 plus or minus 137
- Ownership rate57.1 percent
- Median owner-occupied home value$201,800
- Median gross rent, monthly$833
- Annual rent as a share of median income21.5 percent
- Single family units1,328
- Share single family71.7 percent
- Units in buildings of two or more487 plus or minus 146
- Share in buildings of two or more26.3 percent plus or minus 7.5
- Mobile homes36 plus or minus 35
- Median year structure built1975
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Raeford
How Raeford gets to work
- Workers 16 and over who commute1,533
- Commuting under 15 minutes719 plus or minus 151
- Share commuting under 15 minutes46.9 percent
- Commuting 30 minutes or more470 plus or minus 123
- Share commuting 30 minutes or more30.7 percent plus or minus 7.3
- Drove alone77.8 percent
- Carpooled6.7 percent plus or minus 4.4
- Public transport0.0 percent
- Walked6.1 percent plus or minus 5.3
- Worked from home7.7 percent plus or minus 4.9
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Raeford
SBA loans in Raeford (7(a))
- Approvals12
- Gross approval$4,416,700
- Average approval$368,058
- Median approval$306,600
- Largest approval$1,210,000
- Jobs supported57
- Jobs per approval4.8
- Loans with a final outcome1
- Paid in full1
- Charged off0
- Median term183 months
- Share on real estate terms of 20 years or more50.0 percent
- Share to franchises0.0 percent
- Distinct lenders10
- Distinct industries by NAICS12
Counted by borrower city: approvals to borrowers whose address is in Raeford, in any county, FY2020 to FY2026. Only 1 loan has 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.
Raeford
SBA loans in Raeford (504)
- Approvals3
- Gross approval$784,000
- Average approval$261,333
- Median approval$265,000
- Largest approval$265,000
- Jobs supported8
- Loans with a final outcome2
- Charged off0
- Median term240 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Raeford, in any county, FY2010 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, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Raeford
Flood risk in Raeford
- NFIP communityCity of Raeford
- NFIP community number370132
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date12/18/07
The City of Raeford participates in the National Flood Insurance Program as community 370132 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.
Hoke County, not Raeford
Hoke County context, not Raeford figures
- Establishments in Hoke County491
- Covered employment, Hoke County9,046
- Average annual pay, Hoke County$46,891
- Housing units permitted, Hoke County685
Every figure in this section is published for Hoke County as a whole and is not a measurement of Raeford.
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
Raeford questions, answered from the record.
How many people live in Raeford, North Carolina?
4,552, in 1,592 households. Raeford city covers 4.28 square miles of land, which is 1,063 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Raeford in?
Hoke 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 Raeford?
$46,494. The median owner-occupied home is valued at $201,800. Median gross rent is $833 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Raeford businesses?
12 7(a) approvals totaling $4.4 m since FY2020, across 10 lenders, median approval $306,600, plus 3 504 approvals worth $784,000 since FY2010. These count approvals to borrowers whose address is in Raeford, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Raeford borrowers get paid back?
No rate is published for Raeford. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Raeford in the National Flood Insurance Program?
Yes. Raeford appears in the FEMA Community Status Book as Raeford, city of, community 370132, 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 Raeford figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Hoke 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 Raeford.
Is zoning published for Raeford?
No. Nothing on this page presents parcel level zoning.
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