Mississippi micro-market
Healthcare practice financing in Starkville, Mississippi
Direct answer
25,844 residents, 302 enumerated clinicians, 116.9 per 10,000, 35 percent of them in physical, occupational, and speech therapy: that is the Starkville market a funder prices. Oktibbeha County adds 2 healthcare approvals worth $165,700 and 77 miles of distance to Tuscaloosa, AL.
A location page indicates that Practition Finance is taking clients in that market. It does not represent a physical office, storefront, or licensed presence in that city or state. All services are delivered remotely by our US-based team. How a referral works in Mississippi, and how many partners see it, is set out on the Mississippi page.
- Population: 25,844 residents (25K-50K band)1
- Healthcare providers registered here: 302 across 28 fields2
- Median household income: $39,7513
- Largest provider field: Physical, occupational, and speech therapy: 106 registered providers2
- Medicare-certified providers in town: 5 across 3 categories4
- Nearest metro: Tuscaloosa, AL, 77 miles1
The provider census in Starkville
Counted at the town's own addresses: 302 providers, 28 fields, 116.9 clinicians per 10,000 of the 25,844 residents here
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Physical, occupational, and speech therapy | 106 | 41.0 | NPPES [2] |
| Behavioral and mental health group practices | 29 | 11.2 | NPPES [2] |
| Primary care and family medicine | 28 | 10.8 | NPPES [2] |
| Optometry and ophthalmology | 24 | 9.3 | NPPES [2] |
| DME and HME suppliers | 16 | 6.2 | NPPES [2] |
| General dentistry | 16 | 6.2 | NPPES [2] |
| Dental specialties | 12 | 4.6 | NPPES [2] |
| Chiropractic | 11 | 4.3 | NPPES [2] |
| Independent pharmacy | 11 | 4.3 | NPPES [2] |
| Hospice and palliative | 7 | 2.7 | NPPES [2] |
| Specialty physician groups | 6 | 2.3 | NPPES [2] |
| Non-medical home care | 5 | 1.9 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 5 | 1.9 | NPPES [2] |
| Home health | 4 | 1.5 | NPPES [2] |
| Urgent care | 3 | 1.2 | NPPES [2] |
| ASCs and OBLs | 3 | 1.2 | NPPES [2] |
| Med spa and aesthetics | 2 | 0.8 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 2 | 0.8 | NPPES [2] |
| Dialysis and infusion centers | 2 | 0.8 | NPPES [2] |
| Occupational health and drug testing | 2 | 0.8 | NPPES [2] |
| Dermatology | 1 | 0.4 | NPPES [2] |
| IDD services | 1 | 0.4 | NPPES [2] |
| SUD treatment and residential | 1 | 0.4 | NPPES [2] |
| Imaging centers | 1 | 0.4 | NPPES [2] |
| Pain management and interventional | 1 | 0.4 | NPPES [2] |
| NEMT and ambulance | 1 | 0.4 | NPPES [2] |
| Audiology and hearing centers | 1 | 0.4 | NPPES [2] |
| Clinical and toxicology labs | 1 | 0.4 | NPPES [2] |
| Medical equipment suppliers | 13 | CMS [4] | |
| Hospice providers | 2 | CMS [4] | |
| Dialysis facilities | 2 | CMS [4] | |
| Ambulatory surgical centers | 1 | CMS [4] |
Physical, occupational, and speech therapy carries 106 of the 302 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
Oktibbeha County approvals, dollars, and lending establishments
The county file holds 2 healthcare approvals, which is a thin comparable set for anyone pricing collateral
| What it measures | Value | How to read it |
|---|---|---|
| SBA healthcare approvals | 2 | Counted for the fiscal year the SBA publishes [5] |
| Approved dollars | $165,700 | Everything approved to healthcare borrowers, added up [5] |
| Average approval | $82,850 | The dollar column over the approval column [5] |
| Lending establishments in the county | 49 | Places that write credit locally, NAICS 522 [6] |
Reading Starkville the way a credit committee does
The ratio that matters up front is 116.9 per 10,000, which decides whether a ramp schedule reads as conservative. With 2 approvals on record in Oktibbeha County, expect a longer appraisal and a wider collateral discount. A $39,751 median household income here sets the ceiling on what an elective or cash-pay line can be expected to carry.
Where a file from this town usually lands
- Practice acquisition
- Startup and de novo
- Working capital term loan
- Expansion, relocation, and build-out
- Medical receivables factoring
Ranked from the 28 fields that actually practice in Starkville, weighted toward physical, occupational, and speech therapy. Availability still depends on Mississippi and on the funding partner.
The first pages of a Starkville file
Drawn from the fields that actually practice here: physical, occupational, and speech therapy, behavioral and mental health group practices, primary care and family medicine
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Physical, occupational, and speech therapy (106) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Behavioral and mental health group practices (29) | Clinician retention and productivity, Payer mix and Medicaid concentration, Re-authorization and session limit exposure | Working capital through the credentialing lag |
| Primary care and family medicine (28) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
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.
Density beside the neighboring Mississippi towns
Density is the number that moves an appraisal: 116.9 per 10,000 here
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Starkville (current) | 25,844 | 302 | 116.9 | |
| Columbus | 22,820 | 435 | 190.6 | 24 |
| Tupelo | 37,775 | 813 | 215.2 | 56 |
| Grenada | 12,138 | 127 | 104.6 | 61 |
| Oxford | 26,801 | 450 | 167.9 | 74 |
| Meridian | 33,549 | 566 | 168.7 | 75 |
| Greenwood | 13,627 | 167 | 122.6 | 79 |
How Starkville sits against the nearest metro
Distance to Tuscaloosa, AL is 77 miles. Resale for used clinical equipment is effectively absent, which is why collateral gets marked down. Median household income runs $39,751, which is the number a funder converts into case acceptance on anything elective or cash-pay. The Medicare-certified hospital in Starkville sets the local wage floor before you hire against it. Starkville is the Oktibbeha County seat, so county employment steadies the payer mix.
More of Mississippi
Starkville owners, answered
01How many providers practice in Starkville, and in what?
NPPES lists 302 providers at a Starkville practice address, 116.9 per 10,000 residents across 28 tracked fields. Physical, occupational, and speech therapy accounts for 106 of them, 35 percent of the total, with behavioral and mental health group practices next at 29. Read that as clinicians: 302 enumerations, not 302 owners.
02Why does Oktibbeha County show so little SBA activity?
Oktibbeha County shows 2 approvals in the SBA healthcare file, which means an appraiser reaches outside the county for comparables. Few sales, not weak credit, is the usual reason. 49 lending establishments operate locally.
03Does being 77 miles out change the underwriting?
Distance does the work here. 77 miles out, Oktibbeha County supplies the rent and resale comparables, which usually means a slower appraisal and a harder haircut on anything a funder would have to move to sell.
04What does Oktibbeha County's shortage designation change?
Oktibbeha County holds a HRSA designation covering primary care, dental, mental health. A pro forma for Starkville can cite it as the reason a vacancy is fillable, which is usually the weakest line in a ramp schedule.
05How does the hospital in Starkville affect a practice file?
A Medicare-certified hospital operates in the town, which gives referral flow, a call schedule, and a clinical labor pool a funder can verify. 5 Medicare-certified providers are located here in total. It also sets the wage floor behind every hire in a 116.9 per 10,000 market.
06What does a $39,751 median income mean for case acceptance?
Median household income in Starkville runs $39,751. On elective and cash-pay work that is the number a funder converts into case acceptance, and it sets how much of a treatment plan a projection can assume gets started rather than deferred.
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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