Mississippi micro-market
Healthcare practice financing in Ocean Springs, Mississippi
Direct answer
348 healthcare providers hold a Ocean Springs practice address, 183.6 per 10,000 of its 18,954 residents, 25 percent of them in physical, occupational, and speech therapy. Jackson County recorded 2 SBA healthcare approvals worth $1,261,500, and Gulfport-Biloxi, MS sits 17 miles out.
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- Population: 18,954 residents (10K-25K band)1
- Healthcare providers registered here: 348 across 27 fields2
- Median household income: $78,9293
- Largest provider field: Physical, occupational, and speech therapy: 87 registered providers2
- Medicare-certified providers in town: 5 across 3 categories4
- Nearest metro: Gulfport-Biloxi, MS, 17 miles1
The clinical base a lender can verify here
183.6 providers per 10,000 residents is what 348 enumerations across 27 fields works out to in a town of 18,954
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Physical, occupational, and speech therapy | 87 | 45.9 | NPPES [2] |
| Optometry and ophthalmology | 31 | 16.4 | NPPES [2] |
| General dentistry | 27 | 14.2 | NPPES [2] |
| Primary care and family medicine | 23 | 12.1 | NPPES [2] |
| Specialty physician groups | 23 | 12.1 | NPPES [2] |
| DME and HME suppliers | 22 | 11.6 | NPPES [2] |
| Behavioral and mental health group practices | 22 | 11.6 | NPPES [2] |
| Chiropractic | 21 | 11.1 | NPPES [2] |
| Independent pharmacy | 16 | 8.4 | NPPES [2] |
| Dermatology | 9 | 4.7 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 9 | 4.7 | NPPES [2] |
| ABA and autism therapy | 7 | 3.7 | NPPES [2] |
| Med spa and aesthetics | 7 | 3.7 | NPPES [2] |
| Clinical and toxicology labs | 7 | 3.7 | NPPES [2] |
| Non-medical home care | 6 | 3.2 | NPPES [2] |
| ASCs and OBLs | 4 | 2.1 | NPPES [2] |
| Dental specialties | 4 | 2.1 | NPPES [2] |
| Hospice and palliative | 4 | 2.1 | NPPES [2] |
| Podiatry | 3 | 1.6 | NPPES [2] |
| Urgent care | 3 | 1.6 | NPPES [2] |
| Audiology and hearing centers | 3 | 1.6 | NPPES [2] |
| Telehealth and virtual clinics | 3 | 1.6 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 2 | 1.1 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 2 | 1.1 | NPPES [2] |
| Home health | 1 | 0.5 | NPPES [2] |
| Dialysis and infusion centers | 1 | 0.5 | NPPES [2] |
| Occupational health and drug testing | 1 | 0.5 | NPPES [2] |
| Medical equipment suppliers | 8 | CMS [4] | |
| Ambulatory surgical centers | 2 | CMS [4] | |
| Hospice providers | 2 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] |
Several of the 87 physical, occupational, and speech therapy enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
What Jackson County credit files already show
2 healthcare approvals sit in the county file, so an appraiser here works from a short comparable set
| Measure | Published figure | What sits behind it |
|---|---|---|
| Approvals on record | 2 | One published fiscal year, healthcare borrowers only [5] |
| Total approved capital | $1,261,500 | Approved, not disbursed, and not net of withdrawals [5] |
| Mean deal size | $630,750 | A mean, so one large approval moves it [5] |
| Lenders sited in the county | 101 | Credit intermediation offices sited in the county [6] |
The consequence of these numbers
Density of 183.6 per 10,000 sets the patient draw a projection can claim without an argument. Jackson County has 2 approvals to compare against, so plan for extra appraisal time and a conservative valuation. With $78,929 as the median household income, the payer mix in a projection has to match what Ocean Springs households actually spend.
The programs this provider mix points at
- Practice acquisition
- Startup and de novo
- Equipment financing and leasing
- Expansion, relocation, and build-out
- Working capital term loan
Built from what is enumerated here rather than from a national list, so a field with no presence in Ocean Springs does not appear. Availability is still a Mississippi question.
The first pages of a Ocean Springs file
physical, occupational, and speech therapy, optometry and ophthalmology, general dentistry account for most of what is enumerated in Ocean Springs, so those are the files funders see from this town
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Physical, occupational, and speech therapy (87) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Optometry and ophthalmology (31) | Exam volume and optical capture, Vision plan mix, Inventory turns | Cold start or acquisition |
| General dentistry (27) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
Local counts come from NPPES. What a file turns on is drawn from how the field is generally reviewed, not from any decision about your practice.
How Ocean Springs prices against its neighbors
Comparables travel. These are the Mississippi towns whose density, at 183.6 per 10,000 here, gets weighed beside this one.
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Ocean Springs (current) | 18,954 | 348 | 183.6 | |
| Gautier | 19,055 | 63 | 33.1 | 8 |
| Biloxi | 48,144 | 523 | 108.6 | 9 |
| Pascagoula | 21,476 | 193 | 89.9 | 14 |
| Moss Point | 11,791 | 69 | 58.5 | 15 |
| Gulfport | 74,621 | 771 | 103.3 | 17 |
| Long Beach | 17,217 | 69 | 40.1 | 23 |
What the geography does to a Ocean Springs projection
17 miles separate Ocean Springs from Gulfport-Biloxi, MS. Lease pricing follows Gulfport-Biloxi, MS, while revenue stays capped by the 18,954 residents here. At $78,929 median household income, the elective and cash-pay share of a projection is the line that gets tested first. Referral flow comes from outside Ocean Springs, which a projection needs to state plainly.
More of Mississippi
- Gautier 19,055 residents
- Biloxi 48,144 residents
- Pascagoula 21,476 residents
- Moss Point 11,791 residents
- Gulfport 74,621 residents
- Long Beach 17,217 residents
Questions from Ocean Springs
01How many providers practice in Ocean Springs, and in what?
348 enumerations sit at Ocean Springs addresses in the monthly NPPES file, working out to 183.6 for every 10,000 residents. 25 percent of them are physical, occupational, and speech therapy, and optometry and ophthalmology follows with 31. An enumeration is a clinician, so the 348 here cover fewer than 348 practices.
02What does Jackson County's shortage designation change?
Jackson County holds a HRSA designation covering primary care, dental, mental health. A pro forma for Ocean Springs can cite it as the reason a vacancy is fillable, which is usually the weakest line in a ramp schedule.
03Why does Jackson County show so little SBA activity?
The published file records 2 7(a) and 504 approvals to healthcare borrowers in Jackson County. That tracks how few Jackson County practices changed hands that year, not credit quality. 101 credit intermediation establishments operate in Jackson County, so the lending capacity is local even where the healthcare history is not.
04Is Ocean Springs underwritten as part of Gulfport-Biloxi, MS?
Comparables and demand split at 17 miles. An appraiser prices the lease and the equipment off Gulfport-Biloxi, MS; the revenue line has to hold up against 18,954 local residents.
05Is there local lending capacity in Jackson County?
County Business Patterns records 101 credit intermediation establishments in Jackson County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Ocean Springs rents and resale before or by somebody working from a screen.
06What does the underserved designation in Jackson County support?
Jackson County carries a medically underserved designation. It evidences unmet demand behind a capacity build, and it opens recruitment programs that make a staffing line in a projection easier to defend than local wage data alone would.
Sources
- 1U.S. Census Bureau, Population Estimates, vintage 2024
- 2CMS NPPES, monthly full replacement file
- 3U.S. Census Bureau, ACS 5-year 2023, table B19013
- 4CMS Care Compare provider datasets
- 5U.S. Small Business Administration, 7(a) and 504 approvals
- 6U.S. Census Bureau, County Business Patterns 2022
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