HomeNorth CarolinaJohnston CountySmithfield
Smithfield, North Carolina: commercial real estate data.
Smithfield is a Census town of 12,116 people across 12.70 square miles of land, in Johnston County. Median household income is $43,270, 58.7 percent of occupied homes are owned, and the SBA record carries 32 7(a) approvals to borrowers here worth $26.8 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Smithfield
What Smithfield is
- Census place typetown
- Land area12.7 sq mi
- Water area0.01 sq mi
- Population per square mile of land954
- 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.
Smithfield
How many people live in Smithfield
- Population12,116
- Median age44.9
- Population under 182,751 plus or minus 560
- Share under 1822.7 percent plus or minus 4.6
- Population 65 and over2,473
- Share 65 and over20.4 percent
- Households4,951
- Family households2,676
- Share of households that are families54.0 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Smithfield
Income and work in Smithfield
- Median household income$43,270
- Per capita income$30,986
- Civilian labor force5,028
- Employed4,667
- Unemployed361 plus or minus 203
- Unemployment rate7.2 percent plus or minus 4.0
- Adults 25 and over8,534
- Adults 25 and over with a high school diploma or higher83.0 percent
- Adults 25 and over with a bachelor degree or higher26.7 percent plus or minus 6.7
- Adults 25 and over with a graduate degree8.9 percent plus or minus 2.8
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Smithfield
Housing in Smithfield
- Housing units5,617
- Occupied units4,951
- Vacant units666 plus or minus 232
- Vacancy rate11.9 percent plus or minus 4.0
- Owner occupied2,905
- Renter occupied2,046 plus or minus 512
- Ownership rate58.7 percent
- Median owner-occupied home value$242,500
- Median gross rent, monthly$658 plus or minus $309
- Annual rent as a share of median income18.2 percent plus or minus 9.1
- Single family units3,851
- Share single family68.6 percent
- Units in buildings of two or more1,478 plus or minus 541
- Share in buildings of two or more26.3 percent plus or minus 9.3
- Mobile homes288 plus or minus 181
- Median year structure built1973
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Smithfield
How Smithfield gets to work
- Workers 16 and over who commute4,365
- Commuting under 15 minutes1,862 plus or minus 440
- Share commuting under 15 minutes42.7 percent plus or minus 9.1
- Commuting 30 minutes or more1,399 plus or minus 392
- Share commuting 30 minutes or more32.1 percent plus or minus 8.4
- Drove alone82.7 percent
- Carpooled8.0 percent plus or minus 3.5
- Public transport0.1 percent plus or minus 0.2
- Walked2.9 percent plus or minus 2.6
- Worked from home6.1 percent plus or minus 2.6
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Smithfield
SBA loans in Smithfield (7(a))
- Approvals32
- Gross approval$26,831,900
- Average approval$838,497
- Median approval$460,400
- Ninetieth percentile approval$1,743,500
- Largest approval$4,328,000
- Jobs supported737
- Jobs per approval23.0
- Loans with a final outcome4
- Paid in full4
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more25.0 percent
- Share to franchises28.1 percent
- Distinct lenders25
- Distinct industries by NAICS22
Counted by borrower city: approvals to borrowers whose address is in Smithfield, in any county, FY2020 to FY2026. Only 4 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.
Smithfield
SBA loans in Smithfield (504)
- Approvals7
- Gross approval$10,341,000
- Average approval$1,477,286
- Median approval$1,273,000
- Largest approval$4,089,000
- Jobs supported96
- Loans with a final outcome1
- Charged off0
- Median term300 months
- Distinct CDCs4
Counted by borrower city: approvals to borrowers whose address is in Smithfield, in any county, FY2010 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, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Smithfield
Flood risk in Smithfield
- NFIP communityTown of Smithfield
- NFIP community number370140
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date06/20/18
The Town of Smithfield participates in the National Flood Insurance Program as community 370140 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 Smithfield
Johnston County context, not Smithfield 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 Smithfield.
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
Smithfield questions, answered from the record.
How many people live in Smithfield, North Carolina?
12,116, in 4,951 households. Smithfield town covers 12.70 square miles of land, which is 954 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Smithfield 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 Smithfield?
$43,270. The median owner-occupied home is valued at $242,500. Median gross rent is $658 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Smithfield businesses?
32 7(a) approvals totaling $26.8 m since FY2020, across 25 lenders, median approval $460,400, plus 7 504 approvals worth $10.3 m since FY2010. These count approvals to borrowers whose address is in Smithfield, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Smithfield borrowers get paid back?
No rate is published for Smithfield. Only 4 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 Smithfield in the National Flood Insurance Program?
Yes. Smithfield appears in the FEMA Community Status Book as Smithfield, town of, community 370140, 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 Smithfield 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 Smithfield.
Is zoning published for Smithfield?
No. Nothing on this page presents parcel level zoning.
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