St. Stephens: Economy & Jobs
Earnings in St. Stephens center on a median $60,394 (1.1× below Catawba County median $67,864; 1.2× below North Carolina median $74,321), with homes at a median value of $213,300. The surrounding county supports 89,388 jobs (avg $55,761).
- $74,807 avg taxable income per return — higher than the median household income.
Income & Affordability
Median household income $60,394 — below the North Carolina median ($74,321). Poverty rate 16.2% (U.S. average ~12.5%). 51% of renters spend more than half their income on rent ("severely cost-burdened" by HUD definition; U.S. ~24%).
| Affordability · Home Price To Income | 3.5× |
|---|---|
| Affordability · Home Affordability | moderate |
| Affordability · Rent Pct Income | 17.2% |
| Affordability · Rent Affordability | affordable |
| Affordability · Pct Severely Rent Burdened | 51.0% |
| Affordability · Poverty Rate | 16.2% |
| Affordability · Property Tax Pct Income | 1.6% |
| Irs Income · IRS tax returns filed | $77,420 |
| Irs Income · Total Adjusted Gross Income (thousands) | $5,791,566 |
| Irs Income · Average AGI per return | $74,807 |
| Irs Income · Year | 2022 |
| Income Estimate | $65,957 |
| Median Household Income | $60,394 (vs North Carolina $74,321) |
| Poverty Rate | 16.2% |
Sources: IRS SOI 2022 · Census ACS 5-Year 2023 · Refreshed 2026-04-12
Economic Character
Qualitative classification derived from Census occupation, industry, and income data — workforce composition (white-collar/blue-collar), top employing sector, and income tier.
| Economic Character · Workforce | mixed |
|---|---|
| Economic Character · Top Industry | Manufacturing |
| Economic Character · Income Level | middle-class |
| Economic Character · Median Income | $60,394 |
Employment & Workforce
Employment + workforce stats. The county-level employment count covers all jobs within the county, not just town residents. Unemployment rate 0.6% — below the U.S. average of ~4%. 6% work from home (U.S. average ~15%).
| Commuter Profile · Mean Commute Min | 22.30 |
|---|---|
| Commuter Profile · Work From Home Pct | 5.5% |
| Commuter Profile · Profile | short commute |
| Employment · Avg annual employment (county) | 89,388 |
| Employment · Total annual wages (county) | $4,984,352,812 |
| Employment · Average annual pay | $55,761 |
| Employment · Year | 2024 |
| State Occupation Wages · Year | 2023 |
| State Occupation Wages · All Occupations · Soc Code | 00-0000 |
| State Occupation Wages · All Occupations · Title | All Occupations |
| State Occupation Wages · All Occupations · Employment | 4,795,040 |
| Unemployment Rate | 0.6% (vs North Carolina 5.0%) |
Sources: BLS QCEW 2023 · BLS Occupational Employment and Wage Statistics (OES) · Census ACS 5-Year 2023 · Refreshed 2026-04-12
Industry Sectors
Major industries by establishment count from Census County Business Patterns (2022). Sectors are NAICS-coded; counts are county-wide employer establishments.
| Agriculture · Total Farms | 7 |
|---|---|
| Agriculture · Land In Farms Acres | 57,002 |
| Agriculture · Avg Farm Size Acres | 8,143.10 |
| Agriculture · Top Commodities | Animal Totals, Poultry Totals, Crop Totals, Horticulture Totals, Grain |
| Agriculture · Year | 2022 |
| Business Patterns · Establishments (employer count) | 4,334 |
| Business Patterns · Total Employees | 86,500 |
| Business Patterns · Annual Payroll Thousands | 4,341,507 |
| Business Patterns · Year | 2022 |
Sources: USDA NASS Census 2022 — county FIPS matched · Census CBP API — county FIPS match
Local Business Mix
Retail and service businesses by category (Census CBP NAICS-coded). Counts cover the surrounding county, not just the town. Reflects the everyday commercial mix residents can access.
| Local Businesses · Grocery Stores | 30 |
|---|---|
| Local Businesses · Convenience Stores | 14 |
| Local Businesses · Liquor Stores | 14 |
| Local Businesses · Gas Stations | 71 |
| Local Businesses · Department Stores | 4 |
| Local Businesses · General Merchandise | 42 |
| Local Businesses · Clothing Stores | 16 |
| Local Businesses · Pet Stores | 7 |
Sources: Census CBP — NAICS detail codes
Dining Scene
Eating + drinking establishments by NAICS category (Census CBP 2022) — full-service restaurants, fast-food, bars, coffee shops. County-level counts.
| Dining Scene · Full Service Restaurants | 131 |
|---|---|
| Dining Scene · Fast Food | 140 |
| Dining Scene · Bars | 11 |
| Dining Scene · Coffee Snacks | 48 |
Sources: Census CBP NAICS 722
Banking
FDIC-insured bank branches with addresses. Branch density correlates with population — fewer branches per resident in lower-density areas.
Branches (10)
SNAP & Food Access
USDA-authorized SNAP retailers — supermarkets, super stores, convenience stores, and other locations where SNAP benefits can be redeemed. Per-1K density tracks food access.
Sample (3)
| Nearest Snap · Name | Propst Superette |
|---|---|
| Nearest Snap · Distance | 0.3 mi |
Sources: USDA SNAP — nearest by coordinates
Chamber of Commerce
IRS-registered chamber of commerce organizations matched to this town. Reflects the IRS Exempt Organizations BMF; some chambers operate informally and may not appear here.
| Chamber Of Commerce · Name | CATAWBA COUNTY CHAMBER OF COMMERCE |
|---|
Sources: IRS EO BMF · Refreshed 2026-04-12
Spending & Tax
Federal spending flowing to the surrounding county — direct payments, grants, contracts, loans (USAspending.gov).
| Federal Spending · Federal Spending Fy2024 | $1,113,117,535 |
|---|---|
| Federal Spending · Per Capita | 6,930.56 |
| Federal Spending · Population | 160,610 people |
Sources: USAspending API
Other
| Pct Drove Alone | 87.7% |
|---|---|
| Pct Walked | 5.5% |
| Retirement Score · Median age | 43.2 years (vs North Carolina 39.5y) |
| Retirement Score · Ss Household Pct | 35.1% |
| Retirement Score · Hospitals Nearby | 2 |
| Retirement Score · Va Access | Yes |
| Retirement Score · Factors | older population, strong SS base, hospital access, VA nearby |
| Retirement Score · Rating | excellent |
Sources: Census ACS 5-Year 2023 · Refreshed 2026-04-12