HomeNorth CarolinaSurry CountyElkin
Elkin, North Carolina: commercial real estate data.
Elkin is a Census town of 4,043 people across 6.81 square miles of land, in Surry County. Median household income is $60,740, 60.8 percent of occupied homes are owned, and the SBA record carries 15 7(a) approvals to borrowers here worth $7.9 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Elkin
What Elkin is
- Census place typetown
- Land area6.81 sq mi
- Water area0.09 sq mi
- Population per square mile of land594
- County holding the largest share of its areaSurry County, 98.2 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.
Elkin
How many people live in Elkin
- Population4,043
- Median age41.6
- Population under 18888 plus or minus 223
- Share under 1822.0 percent plus or minus 5.5
- Population 65 and over902
- Share 65 and over22.3 percent
- Households1,660
- Family households880
- Share of households that are families53.0 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Elkin
Income and work in Elkin
- Median household income$60,740
- Per capita income$32,880
- Civilian labor force1,920
- Employed1,824
- Unemployed96 plus or minus 58
- Unemployment rate5.0 percent plus or minus 3.0
- Adults 25 and over2,704
- Adults 25 and over with a high school diploma or higher88.9 percent
- Adults 25 and over with a bachelor degree or higher29.8 percent
- Adults 25 and over with a graduate degree8.4 percent plus or minus 2.9
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Elkin
Housing in Elkin
- Housing units1,972
- Occupied units1,660
- Vacant units312 plus or minus 118
- Vacancy rate15.8 percent plus or minus 5.8
- Owner occupied1,009
- Renter occupied651
- Ownership rate60.8 percent
- Median owner-occupied home value$226,900
- Median gross rent, monthly$807
- Annual rent as a share of median income15.9 percent
- Single family units1,432
- Share single family72.6 percent
- Units in buildings of two or more457 plus or minus 145
- Share in buildings of two or more23.2 percent plus or minus 7.0
- Mobile homes83 plus or minus 87
- Median year structure built1964
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Elkin
How Elkin gets to work
- Workers 16 and over who commute1,577
- Commuting under 15 minutes738 plus or minus 228
- Share commuting under 15 minutes46.8 percent plus or minus 12.8
- Commuting 30 minutes or more476 plus or minus 171
- Share commuting 30 minutes or more30.2 percent plus or minus 9.9
- Drove alone69.2 percent
- Carpooled17.7 percent plus or minus 10.1
- Public transport0.0 percent
- Walked0.0 percent
- Worked from home12.3 percent plus or minus 4.9
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Elkin
SBA loans in Elkin (7(a))
- Approvals15
- Gross approval$7,944,400
- Average approval$529,627
- Median approval$485,600
- Largest approval$1,478,000
- Jobs supported101
- Jobs per approval6.7
- Loans with a final outcome3
- Paid in full3
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more46.7 percent
- Share to franchises6.7 percent
- Distinct lenders2
- Distinct industries by NAICS11
Counted by borrower city: approvals to borrowers whose address is in Elkin, in any county, FY2020 to FY2026. Only 3 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.
Elkin
SBA loans in Elkin (504)
- Approvals3
- Gross approval$2,433,000
- Average approval$811,000
- Median approval$592,000
- Largest approval$1,653,000
- Jobs supported33
- Loans with a final outcome1
- Charged off0
- Median term300 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Elkin, 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.
Elkin
Flood risk in Elkin
- NFIP communityTown of Elkin
- NFIP community number370225
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date12/03/09
The Town of Elkin participates in the National Flood Insurance Program as community 370225 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.
Surry County, not Elkin
Surry County context, not Elkin figures
- Establishments in Surry County1,661
- Covered employment, Surry County29,147
- Average annual pay, Surry County$49,330
- Housing units permitted, Surry County243
Every figure in this section is published for Surry County as a whole and is not a measurement of Elkin.
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
Elkin questions, answered from the record.
How many people live in Elkin, North Carolina?
4,043, in 1,660 households. Elkin town covers 6.81 square miles of land, which is 594 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Elkin in?
Surry County, which holds 98.2 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Elkin?
$60,740. The median owner-occupied home is valued at $226,900. Median gross rent is $807 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Elkin businesses?
15 7(a) approvals totaling $7.9 m since FY2020, across 2 lenders, median approval $485,600, plus 3 504 approvals worth $2.4 m since FY2010. These count approvals to borrowers whose address is in Elkin, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Elkin borrowers get paid back?
No rate is published for Elkin. Only 3 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 Elkin in the National Flood Insurance Program?
Yes. Elkin appears in the FEMA Community Status Book as Elkin, town of, community 370225, 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 Elkin figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Surry 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 Elkin.
Is zoning published for Elkin?
No. Nothing on this page presents parcel level zoning.
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