HomeNorth CarolinaJohnston CountyFour Oaks
Four Oaks, North Carolina: commercial real estate data.
Four Oaks is a Census town of 2,459 people across 2.81 square miles of land, in Johnston County. Median household income is $72,826, 50.1 percent of occupied homes are owned, and the SBA record carries 2 7(a) approvals to borrowers here worth $2.7 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Four Oaks
What Four Oaks is
- Census place typetown
- Land area2.81 sq mi
- Water area0.01 sq mi
- Population per square mile of land876
- County holding the largest share of its areaJohnston 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.
Four Oaks
How many people live in Four Oaks
- Population2,459
- Median age40.9
- Population under 18366 plus or minus 132
- Share under 1814.9 percent plus or minus 5.4
- Population 65 and over461 plus or minus 145
- Share 65 and over18.7 percent plus or minus 5.9
- Households1,004
- Family households563
- Share of households that are families56.1 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Four Oaks
Income and work in Four Oaks
- Median household income$72,826 plus or minus $17,195
- Per capita income$32,437
- Civilian labor force1,330
- Employed1,219
- Unemployed111 plus or minus 88
- Unemployment rate8.3 percent plus or minus 6.5
- Adults 25 and over1,838
- Adults 25 and over with a high school diploma or higher92.4 percent
- Adults 25 and over with a bachelor degree or higher16.4 percent plus or minus 6.6
- Adults 25 and over with a graduate degree7.5 percent plus or minus 5.4
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Four Oaks
Housing in Four Oaks
- Housing units1,142
- Occupied units1,004
- Vacant units138 plus or minus 104
- Vacancy rate12.1 percent plus or minus 8.9
- Owner occupied503 plus or minus 127
- Renter occupied501 plus or minus 183
- Ownership rate50.1 percent plus or minus 10.7
- Median owner-occupied home value$253,700 plus or minus $72,620
- Median gross rent, monthly$1,081
- Annual rent as a share of median income17.8 percent plus or minus 4.5
- Single family units912
- Share single family79.9 percent
- Units in buildings of two or more102 plus or minus 67
- Share in buildings of two or more8.9 percent plus or minus 5.7
- Mobile homes128 plus or minus 90
- Median year structure built1985
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Four Oaks
How Four Oaks gets to work
- Workers 16 and over who commute1,133
- Commuting under 15 minutes111 plus or minus 54
- Share commuting under 15 minutes9.8 percent plus or minus 4.4
- Commuting 30 minutes or more723 plus or minus 263
- Share commuting 30 minutes or more63.8 percent plus or minus 19.5
- Drove alone77.0 percent
- Carpooled15.1 percent plus or minus 12.2
- Public transport0.0 percent
- Walked0.0 percent
- Worked from home6.3 percent plus or minus 4.6
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Four Oaks
SBA loans in Four Oaks (7(a))
- Approvals2
- Gross approval$2,740,000
- Average approval$1,370,000
- Median approval$1,370,000
- Largest approval$2,030,000
- Jobs supported49
- Jobs per approval24.5
- Loans with a final outcome2
- Paid in full2
- 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 Four Oaks, 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.
Four Oaks
Flood risk in Four Oaks
- NFIP communityTown of Four Oaks
- NFIP community number370502
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date06/20/18
The Town of Four Oaks participates in the National Flood Insurance Program as community 370502 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.
Johnston County, not Four Oaks
Johnston County context, not Four Oaks figures
- Establishments in Johnston County4,151
- Covered employment, Johnston County61,005
- Average annual pay, Johnston County$55,305
- Housing units permitted, Johnston County2,783
Every figure in this section is published for Johnston County as a whole and is not a measurement of Four Oaks.
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
Four Oaks questions, answered from the record.
How many people live in Four Oaks, North Carolina?
2,459, in 1,004 households. Four Oaks town covers 2.81 square miles of land, which is 876 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Four Oaks in?
Johnston 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 Four Oaks?
$72,826. The median owner-occupied home is valued at $253,700. Median gross rent is $1,081 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Four Oaks businesses?
2 7(a) approvals totaling $2.7 m since FY2020, across 2 lenders, median approval $1,370,000. These count approvals to borrowers whose address is in Four Oaks, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Four Oaks borrowers get paid back?
No rate is published for Four Oaks. 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 Four Oaks in the National Flood Insurance Program?
Yes. Four Oaks appears in the FEMA Community Status Book as Four Oaks, town of, community 370502, 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 Four Oaks figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Johnston 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 Four Oaks.
Is zoning published for Four Oaks?
No. Nothing on this page presents parcel level zoning.
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