Retail Trade ·NAICS 442

NAICS 442 · IRS SOI 2023 · Census CBP

Furniture and Home Furnishings Stores - Industry Benchmarks

$43,000/yr average annual pay, with 1,017 SBA loans on record for NAICS 442.

5.2%
Net margin
410K
Workers employed
$43,000/yr
Avg payroll / employee
$698M
SBA lending, FY20–26

Data updated July 2026

The verdict · NAICS 442

Furniture and Home Furnishings Stores runs a 5.2% pre-tax net margin - below the national median - across 45K establishments employing 410K workers.

5.2%
Pre-tax net margin (IRS SOI)
410K
Workers employed (Census CBP)
$43,000/yr
Avg payroll / employee
$698M
SBA lending, FY20–26

Benchmarking Insights for Furniture and Home Furnishings Stores

Furniture and Home Furnishings Stores sits inside Retail Trade at a 5.2% net margin (below the national median), $84.5B in aggregate receipts across 30,339 returns, averaging $2.8B per establishment.

44,942 establishments employ 409,563 workers (9.1/location) at $43,000/yr average annual pay. California leads employment, followed by Texas and Florida.

Profit Margin

5.2%

Net income ÷ total receipts (IRS SOI)

Total Receipts

$84.5B

Annual revenue (IRS SOI)

Net Income

$4.4B

Pre-tax net income

Employment

409,563

Total employees (Census CBP)

Avg Payroll / Employee

$43,000/yr

Annual compensation

Establishments

44,942

Business locations

Release-over-release change

What changed from Census CBP 2022 to 2023

Employment decreased by 34,880; establishment count decreased by 618. This comparison uses two published national Census County Business Patterns releases; suppressed fields are omitted rather than estimated.

Where each dollar of Furniture and Home Furnishings Stores revenue goes

Workforce scale

Furniture and Home Furnishings Stores margin vs national reference points

Furniture and Home Furnishings Stores net margin 17.4%
Cross-industry median (5%)

p25/median/p75 = 3%/5%/8%

Business Structure Breakdown

How businesses in this industry are legally structured (IRS SOI)

C Corporation
30,339 returns 100%

Margin: 5.2% · Receipts: $84.5B

Financial Detail

Total Tax Returns Filed
30,339
Avg Receipts per Business
$2.8B
Annual Payroll (Total)
$17.6B
Avg Employees per Establishment
9.1

Sub-Industries

Industry Profit Margin
Furniture Stores

NAICS 4421

 N/A
Home Furnishings Stores

NAICS 4422

 N/A

Top States by Employment

State Employment
California 41,919
Texas 36,223
Florida 34,322
New York 22,432
Georgia 14,572
Illinois 14,431
North Carolina 14,307
Pennsylvania 14,085
New Jersey 12,844
Ohio 12,398

Showing top 10 of 51 states

SBA Lending Activity

SBA FY2020–2026

SBA Loans Approved

1,017

Total Loan Volume

$698M

Avg Loan Size

$686K

Jobs Supported

8,374

Program Breakdown

7(a) 796 (78%)
504 221 (22%)

Top SBA Lender

United Midwest Savings Bank National Association

54 loans in this industry

New Business Share

24.4% of borrowers were new/startup businesses

Annual Lending Trend (6 yrs)

2020
299
2021
457
2022
206
2023
34
2024
19
2025
2

View SBA lending rankings →

Frequently Asked Questions

What is the average revenue for Furniture and Home Furnishings Stores?
$84.5B in total annual receipts across all Furniture and Home Furnishings Stores businesses. Average per business: $2.8B.
How profitable is Furniture and Home Furnishings Stores?
5.2% net profit margin, below the national median.
How many businesses are in Furniture and Home Furnishings Stores?
44,942 business establishments. Together they employ 409,563 workers.
What is the average payroll per employee in Furniture and Home Furnishings Stores?
$43,000/yr average annual pay per employee. Businesses average 9.1 employees per establishment.
Which states have the most Furniture and Home Furnishings Stores employment?
California leads with 41,919 workers. Texas (36,223) and Florida (34,322) round out the top three.
How much SBA lending does Furniture and Home Furnishings Stores receive?
Furniture and Home Furnishings Stores businesses received 1,017 SBA loans totaling $698 million between FY2020 and FY2026. The average loan size was $686K. These loans supported 8,374 jobs at origination. Most lending (78%) came through the SBA 7(a) program.

Comparable industry benchmarks

These links are calculated from the current national dataset. They are comparison paths, not recommendations or evidence that businesses operate alike.

Closest reported net margins

Same NAICS detail level, ordered by the smallest difference in reported IRS pre-tax margin.

Closest workforce scale

Same NAICS detail level, ordered by the smallest difference in reported Census employment.

Benchmarking Furniture and Home Furnishings Stores

Disclaimer: Public IRS/Census data, not financial or tax advice. See our full disclaimer.

Sources: IRS Statistics of Income (SOI) Business Tax Statistics · Census Bureau County Business Patterns 2023

NAICS 442 · Data year: 2023

According to the U.S. Census Bureau, which released its 2023 County Business Patterns dataset in June 2025, PlainBizBench benchmarks 2,002 U.S. industries against Internal Revenue Service Statistics of Income data. See our methodology for the full compilation process.

Read our methodology - how this data is sourced, computed, and verified.

Source: U.S. Census Bureau, County Business Patterns / SUSB Industry employment scale, payroll, and firm-size benchmarks · 2023

Every figure on PlainBizBench is rendered directly from federal source data, no number is typed in by an editor. This page aggregates profit-margin, payroll, entity-type, and SBA-lending benchmarks for this industry, live from the dataset. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.

Disclaimer: Public IRS/Census data, not financial or tax advice. See our full disclaimer.