HomeNorth CarolinaSwain CountyCherokee CDP
Cherokee CDP, North Carolina: commercial real estate data.
Cherokee CDP is a Census CDP of 2,059 people across 12.09 square miles of land, lying across Swain County and Jackson County. Median household income is $55,972, 62.6 percent of occupied homes are owned, and the SBA record carries 6 7(a) approvals to borrowers here worth $565,200.
67 sourced place values · tier FULL · 7 sections
Cherokee
What Cherokee is
- Census place typeCDP
- Land area12.09 sq mi
- Water area0 sq mi
- Population per square mile of land170 plus or minus 39
- County holding the largest share of its areaSwain County, 59.4 percent
- Counties this place lies inSwain County 59.4 percent, Jackson County 40.6 percent
Cherokee CDP crosses a county line. The split above is measured from the Census boundary of the place against the county boundaries, by area, so it says where the ground is and not where the town hall is.
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cherokee
How many people live in Cherokee
- Population2,059 plus or minus 472
- Median age33.3
- Population under 18477 plus or minus 136
- Share under 1823.2 percent
- Population 65 and over219 plus or minus 113
- Share 65 and over10.6 percent plus or minus 4.9
- Households937 plus or minus 224
- Family households560 plus or minus 167
- Share of households that are families59.8 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cherokee
Income and work in Cherokee
- Median household income$55,972 plus or minus $23,565
- Per capita income$29,514
- Civilian labor force939 plus or minus 321
- Employed924 plus or minus 321
- Unemployed15 plus or minus 19
- Unemployment rate1.6 percent plus or minus 1.9
- Adults 25 and over1,299 plus or minus 305
- Adults 25 and over with a high school diploma or higher87.8 percent
- Adults 25 and over with a bachelor degree or higher24.5 percent plus or minus 9.6
- Adults 25 and over with a graduate degree14.4 percent plus or minus 8.0
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cherokee
Housing in Cherokee
- Housing units1,093 plus or minus 224
- Occupied units937 plus or minus 224
- Vacant units156 plus or minus 55
- Vacancy rate14.3 percent plus or minus 4.1
- Owner occupied587 plus or minus 153
- Renter occupied350 plus or minus 143
- Ownership rate62.6 percent
- Median owner-occupied home value$189,900 plus or minus $80,745
- Median gross rent, monthly$1,075 plus or minus $369
- Annual rent as a share of median income23.0 percent plus or minus 12.5
- Single family units635 plus or minus 191
- Share single family58.1 percent plus or minus 12.7
- Units in buildings of two or more165 plus or minus 98
- Share in buildings of two or more15.1 percent plus or minus 8.4
- Mobile homes293 plus or minus 100
- Median year structure built1988
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cherokee
How Cherokee gets to work
- Workers 16 and over who commute912 plus or minus 319
- Commuting under 15 minutes566 plus or minus 193
- Share commuting under 15 minutes62.1 percent plus or minus 30.3
- Commuting 30 minutes or more65 plus or minus 87
- Share commuting 30 minutes or more7.1 percent plus or minus 9.2
- Drove alone92.3 percent
- Carpooled1.6 percent plus or minus 2.7
- Public transport0.0 percent
- Walked5.2 percent plus or minus 4.0
- Worked from home0.0 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cherokee
SBA 7(a) lending to Cherokee borrowers
- Approvals6
- Gross approval$565,200
- Average approval$94,200
- Median approval$75,000
- Ninetieth percentile approval$252,700
- Largest approval$252,700
- Jobs supported53
- Jobs per approval8.8
- Loans with a final outcome1
- Paid in full1
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises0.0 percent
- Distinct lenders5
- Distinct industries by NAICS5
A charge-off rate is not published here. only 1 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.
Swain County, not Cherokee
Swain County context, not Cherokee figures
These are Swain County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Cherokee measurements.
- Establishments in Swain County382
- Employment at those establishments, Swain County3,724
- Covered employment, Swain County11,309
- Average annual pay, Swain County$46,512
- Average weekly wage, Swain County$894
- Housing units permitted, Swain County77
- Of those, single family, Swain County73
- County product, 2024, Swain County$916,286,000
- County product change over the prior year, Swain County4.2 percent
- Average income of an arriving household, Swain County$59,943
Every figure in this section is published for Swain County as a whole and is not a measurement of Cherokee. 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.
- This place is not listed as a community in the FEMA Community Status Book, so no NFIP participation or CRS class is shown.
- 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
Cherokee questions, answered from the record.
How many people live in Cherokee, North Carolina?
2,059, in 937 households. Cherokee CDP covers 12.09 square miles of land, which is 170 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Cherokee in?
Cherokee lies in more than one. By area it is 59.4 percent in Swain County, 40.6 percent in Jackson County. This page sits under Swain County because that county holds the largest share. The split is measured from the Census boundary of the place against the county boundaries.
What is the median household income in Cherokee?
$55,972. The median owner-occupied home is valued at $189,900. Median gross rent is $1,075 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Cherokee businesses?
6 7(a) approvals totalling $565,200, across 5 lenders, median approval $75,000. These count approvals to borrowers whose address is in Cherokee, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Cherokee borrowers get paid back?
No rate is published for Cherokee. only 1 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.
Are the county figures on this page Cherokee figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Swain 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 Cherokee.
Is zoning published for Cherokee?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.