HomeNorth CarolinaUnion CountyWaxhaw
Waxhaw, North Carolina: commercial real estate data.
Waxhaw is a Census town of 22,275 people across 12.19 square miles of land, in Union County. Median household income is $131,894, 83.0 percent of occupied homes are owned, and the SBA record carries 72 7(a) approvals to borrowers here worth $37.5 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Waxhaw
What Waxhaw is
- Census place typetown
- Land area12.19 sq mi
- Water area0.09 sq mi
- Population per square mile of land1,827
- County holding the largest share of its areaUnion 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.
Waxhaw
How many people live in Waxhaw
- Population22,275
- Median age36.2
- Population under 187,365
- Share under 1833.1 percent
- Population 65 and over1,861
- Share 65 and over8.4 percent
- Households6,815
- Family households5,785
- Share of households that are families84.9 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Waxhaw
Income and work in Waxhaw
- Median household income$131,894
- Per capita income$48,910
- Civilian labor force11,305
- Employed10,754
- Unemployed551 plus or minus 165
- Unemployment rate4.9 percent plus or minus 1.4
- Adults 25 and over13,313
- Adults 25 and over with a high school diploma or higher96.8 percent
- Adults 25 and over with a bachelor degree or higher55.0 percent
- Adults 25 and over with a graduate degree20.5 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Waxhaw
Housing in Waxhaw
- Housing units7,084
- Occupied units6,815
- Vacant units269 plus or minus 154
- Vacancy rate3.8 percent plus or minus 2.2
- Owner occupied5,656
- Renter occupied1,159 plus or minus 307
- Ownership rate83.0 percent
- Median owner-occupied home value$549,400
- Median gross rent, monthly$1,840
- Annual rent as a share of median income16.7 percent
- Single family units6,657
- Share single family94.0 percent
- Units in buildings of two or more354 plus or minus 231
- Share in buildings of two or more5.0 percent plus or minus 3.3
- Mobile homes73 plus or minus 94
- Median year structure built2010
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Waxhaw
How Waxhaw gets to work
- Workers 16 and over who commute7,659
- Commuting under 15 minutes1,595 plus or minus 452
- Share commuting under 15 minutes20.8 percent plus or minus 5.7
- Commuting 30 minutes or more4,001
- Share commuting 30 minutes or more52.2 percent
- Drove alone62.5 percent
- Carpooled8.3 percent plus or minus 2.8
- Public transport0.2 percent plus or minus 0.3
- Walked0.6 percent plus or minus 0.7
- Worked from home27.7 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Waxhaw
SBA loans in Waxhaw (7(a))
- Approvals72
- Gross approval$37,451,300
- Average approval$520,157
- Median approval$250,000
- Ninetieth percentile approval$1,414,900
- Largest approval$4,550,000
- Jobs supported432
- Jobs per approval6.0
- Loans with a final outcome10
- Paid in full9
- Charged off1
- Median term120 months
- Share on real estate terms of 20 years or more6.9 percent
- Share to franchises25.0 percent
- Distinct lenders31
- Distinct industries by NAICS43
Counted by borrower city: approvals to borrowers whose address is in Waxhaw, in any county, FY2020 to FY2026. Only 10 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.
Waxhaw
SBA loans in Waxhaw (504)
- Approvals5
- Gross approval$6,258,000
- Average approval$1,251,600
- Median approval$1,120,000
- Largest approval$2,503,000
- Jobs supported69
- Loans with a final outcome1
- Charged off0
- Median term300 months
- Distinct CDCs2
Counted by borrower city: approvals to borrowers whose address is in Waxhaw, 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.
Waxhaw
Flood risk in Waxhaw
- NFIP communityTown of Waxhaw
- NFIP community number370473
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date03/02/09
The Town of Waxhaw participates in the National Flood Insurance Program as community 370473 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.
Union County, not Waxhaw
Union County context, not Waxhaw figures
- Establishments in Union County5,732
- Covered employment, Union County74,299
- Average annual pay, Union County$61,500
- Housing units permitted, Union County2,334
Every figure in this section is published for Union County as a whole and is not a measurement of Waxhaw.
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
Waxhaw questions, answered from the record.
How many people live in Waxhaw, North Carolina?
22,275, in 6,815 households. Waxhaw town covers 12.19 square miles of land, which is 1,827 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Waxhaw in?
Union 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 Waxhaw?
$131,894. The median owner-occupied home is valued at $549,400. Median gross rent is $1,840 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Waxhaw businesses?
72 7(a) approvals totaling $37.5 m since FY2020, across 31 lenders, median approval $250,000, plus 5 504 approvals worth $6.3 m since FY2010. These count approvals to borrowers whose address is in Waxhaw, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Waxhaw borrowers get paid back?
No rate is published for Waxhaw. Only 10 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 Waxhaw in the National Flood Insurance Program?
Yes. Waxhaw appears in the FEMA Community Status Book as Waxhaw, town of, community 370473, 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 Waxhaw figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Union 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 Waxhaw.
Is zoning published for Waxhaw?
No. Nothing on this page presents parcel level zoning.