HomeNorth CarolinaJohnston CountyFour Oaks town
Four Oaks town, North Carolina: commercial real estate data.
Four Oaks town 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.
70 sourced place values · tier FULL · 8 sections · 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$2,030,000
- Ninetieth percentile approval$2,030,000
- 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
A charge-off rate is not published here. only 2 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.
Four Oaks
Flood risk in Four Oaks
- Listed NFIP communities1
- Of those, participating1
- NFIP community number370502
- Currently effective map date06/20/18
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.
Johnston County, not Four Oaks
Johnston County context, not Four Oaks figures
These are Johnston County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Four Oaks measurements.
- Establishments in Johnston County4,151
- Employment at those establishments, Johnston County49,067
- Covered employment, Johnston County61,005
- Average annual pay, Johnston County$55,305
- Average weekly wage, Johnston County$1,064
- Housing units permitted, Johnston County2,783
- Of those, single family, Johnston County2,775
- County product, 2024, Johnston County$11,573,120,000
- County product change over the prior year, Johnston County10.2 percent
- Average income of an arriving household, Johnston County$64,727
Every figure in this section is published for Johnston County as a whole and is not a measurement of Four Oaks. 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
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 totalling $2.7 m, across 2 lenders, median approval $2,030,000. 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 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 Four Oaks in the National Flood Insurance Program?
Yes. Four Oaks appears in the FEMA Community Status Book as 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 labelled 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?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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