HomeNorth CarolinaPamlico County
Pamlico County, North Carolina: commercial real estate data.
Pamlico County, North Carolina had an estimated 12,550 residents on July 1, 2024, up 2.3 percent since the 2020 census base of 12,273, across 337 square miles. County output reached $378.0 m in 2024, 261 establishments operate here, and the SBA record carries 4 7(a) approvals worth $2.9 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Pamlico County
How many people live in Pamlico County
- Population, American Community Survey 2020-202412,390
- Households5,456
- Average household size2.27
- Median household income$59,717
- Median age54.1
- Median gross rent$752 per month
- Median owner-occupied home value$216,800
- Home value to household income3.6 times
- Annual rent as a share of median income15.1 percent
- Adults 25 and over with a bachelor degree or higher25.4 percent
- Adults 25 and over with a graduate degree11.6 percent
- Adults 25 and over10,003
- Population under 181,755
- Share under 1814.2 percent
- Population 65 and over3,786
- Share 65 and over30.6 percent
- Working age population, 18 to 646,849
- Civilian labor force4,660
- Unemployment rate5.1 percent
- Labor force participation, adults 18 and over43.8 percent
- Rank by population among North Carolina counties91st of 100
- Rank by population among US county-equivalents, Puerto Rico included2328th of 3,222
Pamlico County is the 91st largest of 100 North Carolina counties by population. A median home costs 3.6 times median household income, which is moderately unaffordable by national standards. Residents 65 and over outnumber those under 18, at 30.6 percent against 14.2 percent, which points demand at health care, services and single story product rather than schools.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Pamlico County
Is Pamlico County's population growing?
- Population, July 1, 202412,550
- Census 2020 base population12,273
- Population change since the 2020 census base2.26 percent
- Population change, 2023 to 2024100
- Births, 202486
- Deaths, 2024245
- Natural change, 2024-159
- Net domestic migration, 2024250
- Net international migration, 202410
- Total net migration, 2024260
- Cumulative net domestic migration, 2021 to 2024781
- Rank by growth among US county-equivalents1089th of 3,144
The county has grown 2.26 percent since the 2020 census base. Deaths exceeded births in 2024 and the population still grew, so all of the growth came from people moving in. A market held up by migration is more sensitive to a change in relative cost than one growing from household formation.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Pamlico County
Where are people moving to Pamlico County from?
- Tax returns filed by households arriving466
- People arriving, from those returns857
- Tax returns filed by households leaving360
- Net household movement106
- Adjusted gross income arriving$42.5 m
- Net adjusted gross income movement$24.2 m
- Average income of an arriving household$91,281
- Average income of a leaving household$50,892
- Largest single originCraven County (98 households)
- Largest single destinationCraven County (119 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Craven County | 98 | 187 | $5.6 m |
| Wake County | 22 | 45 | $2.0 m |
Households arriving report $40,389 more average income than households leaving, so the migration is raising local spending power rather than just moving it around. The largest single source of arrivals is Craven County, which is the catchment a retail or multifamily study should look at first.
US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Pamlico County
What is the Pamlico County economy?
- County GDP, 2024$378.0 m
- County GDP, 2023$382.5 m
- GDP change, 2023 to 2024-1.2 percent
- GDP change over five years23.5 percent
- Rank by GDP among the North Carolina areas BEA publishes92nd of 100
- Rank by GDP among the US county areas BEA publishes2581st of 3,127
- GDP per resident$30,505
Output grew -1.2 percent in the latest year and 23.5 percent over five, which is the trend line a lender will read behind any single year figure.
US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024.
Pamlico County
Employment by industry in Pamlico County
- Covered employment, annual average3,692
- Establishments reporting348
- Average annual pay$37,034
- Average weekly wage$712
- Retail trade, employment546
- Retail trade, average annual pay$31,645
- Arts, entertainment and recreation, employment546
- Arts, entertainment and recreation, average annual pay$13,744
- Accommodation and food services, employment305
- Accommodation and food services, average annual pay$22,265
- Construction, employment260
- Construction, average annual pay$44,564
- Manufacturing, employment180
- Administrative and support and waste management services, employment112
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Retail trade | 546 | 45 | $31,645 |
| Arts, entertainment and recreation | 546 | 11 | $13,744 |
| Accommodation and food services | 305 | 26 | $22,265 |
| Construction | 260 | 34 | $44,564 |
| Manufacturing | 180 | 12 | $36,621 |
| Administrative and support and waste management services | 112 | 17 | $34,868 |
| Other services, except public administration | 91 | 31 | $38,472 |
| Agriculture, forestry, fishing and hunting | 72 | 15 | $52,398 |
Retail trade is the largest private sector at 546 jobs, 14.8 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Pamlico County
How many businesses are in Pamlico County?
- Establishments, all industries261
- Employment at those establishments2,542
- Annual payroll$86.6 m
- Establishments per 1,000 residents21.1
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against. County Business Patterns counts private establishments with paid employees in March 2023, while the Quarterly Census of Employment and Wages above counts every unemployment-insured employer, public ones included, as a 2024 annual average, so the two establishment and employment counts differ.
US Census Bureau, County Business Patterns, 2023.
Pamlico County
Building permits in Pamlico County
- Housing units authorized by permit, 2024107
- Declared construction value permitted$36.0 m
- Single family units authorized107
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$336,361
- Units authorized per 1,000 households19.6
Single-family homes are 100.0 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Pamlico County
SBA loans in Pamlico County (7(a) and 504)
- 7(a) approvals recorded4
- 7(a) gross approval dollars$2.9 m
- Average 7(a) approval$719,425
- Median 7(a) approval$477,000
- Largest single approval$1,741,000
- Jobs reported supported, 7(a)57
- Jobs per approval14.3
- Distinct 7(a) lenders active4
- Distinct industries receiving approvals4
- Median 7(a) term240 months
- Share of loans on real estate terms, 240 months or longer50.0 percent
- Loans on real estate terms2
- Loans on working capital terms, 120 months or shorter1
- Franchise loans0
- Franchise share of approvals0.0 percent
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Pamlico County
SBA loan default and charge-off rates in Pamlico County
Do SBA loans in Pamlico County get paid back?
- Loans with a final outcome recorded1
- Paid in full1
- Charged off0
- Status: Paid in full1
- Status: Exempt from disclosure2
- Status: Cancelled1
Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
Compare against the national and state SBA charge-off rates, computed the same way over resolved loans only.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Pamlico County
SBA lending by place in Pamlico County
- Borrower cities with recorded lending3
- Bayboro, approvals2
- New Bern, approvals1
- Oriental, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Bayboro | 2 | $954,000 |
| New Bern | 1 | $1,741,000 |
| Oriental | 1 | $182,700 |
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Pamlico County
How large is Pamlico County?
- Land area337 sq mi
- Rank by land area among North Carolina counties77th of 100
- Width, east to west29.4 mi
- Height, north to south26.1 mi
- Geographies sharing a boundary3
- Residents per square mile of land37
- Establishments per square mile0.77
US Census Bureau county boundary geometry, TIGER, adjacency computed from shared boundary vertices, TIGER county boundaries. US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year. US Census Bureau, County Business Patterns, 2023.
Pamlico County
Flood risk in Pamlico County
- Participation of the county's own NFIP community Pamlico County, unincorporated areasParticipating, community 370181
- Community Rating System class of the county's own communityClass 8
- Communities in the county in the NFIP Community Status Book9
- Of those, participating in the NFIP8
- NFIP participation rate88.9 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 8
- Communities carrying a CRS class8
- Radon levels in Pamlico County, EPA zone predicted average indoor radon screening level less than 2 pCi/LZone 3
The county's own community in the status book, unincorporated Pamlico County (community 370181), participates in the National Flood Insurance Program and carries Community Rating System class 8, a flood insurance premium discount for policies written there. The EPA places Pamlico County in radon zone 3, a predicted average indoor radon screening level less than 2 pCi/L. The zone is a screening prediction for the county and does not substitute for a test at an address. The best Community Rating System class among the county's communities is 8, which carries a flood insurance premium discount for policies written in that community. 88.9 percent of the county's listed communities participate in the National Flood Insurance Program, per Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26. US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Coverage
What this page does not hold.
Traffic counts, 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 →
Feasibility studies
When a Pamlico County site needs a document a lender will accept.
The same data layer behind this page is the one the studies are written from. A study for a Pamlico County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202412,390
- Households5,456
- Average household size2.27
- Median household income$59,717
- Median age54.1
Common questions
Pamlico County questions, answered from the record.
How many people live in Pamlico County, North Carolina?
The Census Bureau estimates 12,550 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 12,390, in 5,456 households, ranking 91st of 100 North Carolina counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Pamlico County's population growing?
The population has grown 2.26 percent since the 2020 census base of 12,273, to 12,550 on July 1, 2024. In 2024 there were 86 births against 245 deaths, with net migration of 260. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Pamlico County?
$59,717. The median owner-occupied home is valued at $216,800, which is 3.6 times income, and median gross rent is $752 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Pamlico County?
261 establishments, employing 2,542 people with an annual payroll of $86.6 m. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is employment by industry in Pamlico County?
Retail trade is the largest private sector at 546 jobs, 14.8 percent of covered employment. Covered employment averages 3,692 jobs at an average annual pay of $37,034, or $712 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Pamlico County?
4 7(a) approvals totaling $2.9 m since FY2020, across 4 lenders, with a median approval of $477,000. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Pamlico County?
107 housing units were authorized by permit in 2024, with a declared construction value of $36.0 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Pamlico County?
Zone 3, a predicted average indoor radon screening level less than 2 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Pamlico County come from?
The largest single origin is Craven County, with 98 households. Arriving households report an average income of $91,281 against $50,892 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Pamlico County on this page?
No. Annual average daily traffic resolves in the platform rather than in this dataset, so no AADT figure is printed here. It is a gap we know about rather than a figure we estimated.
Is zoning published for Pamlico County?
No. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame, to be confirmed locally.
Pamlico County
Cities and places in Pamlico.
10 Census places lie wholly or partly in Pamlico County. All 10 carry enough published place level data for a page of their own and are linked.
| Place | Type | Population | SBA 7(a) approvals, projects in this county | Lies in |
|---|---|---|---|---|
| Bayboro | town | 1,266 | 2 | Wholly in this county |
| Oriental | town | 873 | 1 | Wholly in this county |
| Alliance | town | 709 | None recorded | Wholly in this county |
| Grantsboro | town | 645 | None recorded | Wholly in this county |
| Minnesott Beach | town | 593 | None recorded | Wholly in this county |
| Arapahoe | town | 397 | None recorded | Wholly in this county |
| Vandemere | town | 209 | None recorded | Wholly in this county |
| Mesic | town | 205 | None recorded | Wholly in this county |
| Stonewall | town | 131 | None recorded | Wholly in this county |
| Hobucken | CDP | 5 | None recorded | Wholly in this county |
A further 1 of the county's 4 SBA 7(a) approvals are to borrowers in cities that match no Census place in Pamlico County, the largest being New Bern (1). Those are postal cities, unincorporated areas and cities outside the county, so no place row claims them; they are counted in the county total above.