NAICS 449110 Quarterly Industry Report
Furniture Retailers
Comprehensive industry research for valuation professionals, business owners, buyers, and lenders
NAICS Code: 449110Sector: 44Updated: Q1 2026
About This Report
This Fair Market Value industry report for NAICS 449110 draws on verified data from the U.S. Census Bureau[4], Bureau of Labor Statistics[6], and Small Business Administration[5] to profile the furniture retail sector. Our research team analyzes showroom economics, delivery logistics, and customer financing programs to provide accurate market intelligence for business valuation purposes. The report covers SBA size standards, related NAICS classifications, and the housing market correlation that drives furniture retail demand cycles. Fair Market Value updates this NAICS 449110 profile quarterly to reflect new Census releases and industry developments.
Industry Definition & Overview
Furniture Retailers (NAICS 449110) encompasses establishments primarily engaged in retailing new furniture, including household furniture, outdoor furniture, and office furniture. Product categories span sofas, chairs, tables, bedroom sets, dining furniture, baby furniture, mattresses, box springs, and occasional tables. Some establishments sell furniture in combination with major appliances, home electronics, home furnishings, or floor coverings, provided furniture represents the primary product focus.
According to the U.S. Census Bureau[4], this classification captures a wide range of retail formats from small specialty shops to large furniture showrooms. Furniture retailing relies heavily on showroom presentation, as customers typically want to see, touch, and sit on products before purchasing. Delivery logistics represent a major operational component, with most retailers operating their own delivery fleets or contracting white-glove delivery services. Custom order programs allow customers to select fabrics, finishes, and configurations, creating extended lead times between order placement and delivery.
The SBA[5] sets the size standard at $22 million in average annual receipts for this industry. Housing market activity drives furniture demand, as home purchases and apartment moves trigger furniture buying. Interest-free financing promotions are common sales tools, with retailers absorbing financing costs to increase average ticket sizes. E-commerce has grown but remains a smaller share than in most retail categories because of high shipping costs, assembly requirements, and customer preference for in-person product evaluation before committing to large purchases.
What's Included in This Industry
- Household furniture retail showroom operations
- Mattress and box spring retail operations
- Office furniture retail store operations
- Outdoor and patio furniture retailing
- Baby furniture and nursery furniture retailing
- Custom order furniture retailing with fabric selection
- Furniture combination store operations with appliances
- Discount and clearance furniture retailing
- Online furniture retailing with delivery services
- Furniture rental-to-own and lease-to-purchase retailing
NAICS Classification Hierarchy
| Level | Description | Code |
|---|---|---|
| Subsector | Furniture, Home Furnishings, Electronics, and Appliance Retailers | 449 |
| Industry Group | Furniture and Home Furnishings Retailers | 4491 |
| NAICS Industry | Furniture Retailers | 44911 |
| National Industry | Furniture Retailers | 449110 |
Related NAICS Codes
| Code | Description | Relationship |
|---|---|---|
| 449121 | Floor Covering Retailers | Retails floor coverings including carpet, rugs, and hard surface flooring, sharing home furnishing customer overlap and housing market demand correlation with furniture stores |
| 449122 | Window Treatment Retailers | Retails window treatments including curtains, drapes, and blinds, sharing interior decorating customer demographics with furniture retail showroom operations |
| 449129 | All Other Home Furnishings Retailers | Retails all other home furnishings including kitchenware, tableware, and decorative accessories, sharing home goods customer spending with furniture retail stores |
| 449210 | Electronics and Appliance Retailers | Retails electronics and appliances, sometimes combined with furniture retailing in stores where furniture represents the primary product focus category |
| 459510 | Used Merchandise Retailers | Retails used merchandise including secondhand furniture, distinguished from this code which covers new furniture retail operations and showroom sales exclusively |
| 445110 | Supermarkets and Other Grocery Retailers (except Convenience Retailers) | Operates supermarkets serving a fundamentally different retail category, sharing only the broad retail classification structure with furniture store operations |
SBA Lending Summary
1,336
Total SBA Loans
$707.5M
Total Loan Volume
$530K
Average Loan Size
12 yrs
Average Loan Term
10.36%
Average Interest Rate
12,200
Jobs Supported
Source: SBA 7(a) Program Data, U.S. Small Business Administration — FY 2025[3]
Key Insight: The SBA[5] classifies NAICS 449110 under furniture retailers with a size standard of $22 million in average annual receipts. Businesses at or below this revenue threshold qualify as small for federal contracting preferences and SBA loan programs. Furniture retailers can access SBA 7(a) loans[7] for showroom build-outs, inventory floor plans, delivery vehicle purchases, and working capital. Firms purchasing showroom or warehouse properties may qualify for 504 loans[8]. Floor plan inventory financing and customer financing program costs represent significant ongoing capital requirements for furniture retail operations.
Top SBA Lenders
| # | Lender | Loans | Volume | Avg Loan |
|---|---|---|---|---|
| 1 | Harvest Small Business Finance, LLC | 48 | $77.3M | $1.6M |
| 2 | First Bank | 32 | $61.3M | $1.9M |
| 3 | Live Oak Banking Company | 40 | $51.9M | $1.3M |
| 4 | The Huntington National Bank | 96 | $51.9M | $540K |
| 5 | Wells Fargo Bank National Association | 48 | $51.2M | $1.1M |
Frequently Asked Questions
Common questions about this industry.
What types of businesses fall under NAICS 449110?
NAICS 449110 covers retailers of new household furniture, office furniture, outdoor furniture, mattresses, and baby furniture. Furniture showrooms, discount stores, combination furniture-appliance stores, and online furniture retailers with delivery are included. Source: U.S. Census Bureau[4]
How is NAICS 449110 structured?
Stores range from small specialty shops to large showroom-warehouse formats. Many offer custom ordering with fabric and finish selections. Delivery logistics are a major operational component, with retailers operating delivery fleets or contracting white-glove services. Interest-free financing is a common sales promotion tool.
What is the SBA size standard for NAICS 449110?
The SBA sets the size standard at $22 million in average annual receipts for furniture retailers. Businesses at or below this revenue level qualify as small for federal contracting preferences and SBA loan programs. Source: SBA Size Standards[5]
What NAICS codes are related to furniture retailers?
Related retail codes include 449121 (floor coverings), 449122 (window treatments), 449129 (other home furnishings), 449210 (electronics and appliances), and 459510 (used merchandise). Source: Census NAICS[4]
What industries are related to furniture retailing?
Key supplier industries include 337121 (upholstered furniture manufacturing), 337122 (nonupholstered wood furniture), 337211 (wood office furniture), 337110 (kitchen cabinets), and 337127 (institutional furniture). Source: Census NAICS[4]
What activities are included in NAICS 449110?
Activities include retailing sofas, chairs, tables, bedroom sets, mattresses, baby furniture, outdoor furniture, office furniture, custom order programs, delivery services, discount furniture sales, and online furniture retailing with home delivery.
Can furniture retailers get SBA loans?
Yes, small businesses under NAICS 449110 can access SBA 7(a) loans for showroom build-outs, inventory, delivery vehicles, and working capital. Firms purchasing showroom or warehouse properties may qualify for 504 loans. Floor plan financing is a major ongoing capital need. Source: SBA Loan Programs[9]
Where are furniture retailers concentrated in the United States?
Furniture retailers concentrate in suburban commercial corridors with large showroom-format spaces and adequate parking. Metropolitan areas with active housing markets support the highest store densities. North Carolina, home to major furniture manufacturing clusters, supports a particularly dense concentration of furniture retail showrooms.
Sources & References
Government datasets and editorial sources used in this report.
- [1]U.S. Bureau of Labor Statistics, Quarterly Census of Employment and Wages bls.gov
- [2]U.S. Census Bureau, Economic Census census.gov
- [3]U.S. Small Business Administration, SBA 7(a) Loan Program Data data.sba.gov
- [4]U.S. Census Bureau census.gov
- [5]SBA sba.gov
- [6]Bureau of Labor Statistics bls.gov
- [7]SBA 7(a) loans sba.gov
- [8]504 loans sba.gov
- [9]SBA Loan Programs sba.gov
Disclaimer
This publication has been prepared by Fair Market Value (“Fair Market Value”) for informational purposes only. It is provided on an “as-is” and “as available” basis. Fair Market Value makes no representations or warranties, express or implied, regarding the merchantability, fitness for a particular purpose, completeness, or accuracy of the data or information contained herein. This publication is not intended to be, and should not be construed as, professional financial, legal, tax, or investment advice. Users should consult with qualified professionals before making any financial or business decisions based on the information presented.
To the extent permitted by law, Fair Market Value disclaims all liability for loss or damage, direct and indirect, suffered or incurred by any person resulting from the use of, or reliance upon, the data in this publication.
Copyright © 2026 Fair Market Value. All rights reserved. All data, information, articles, graphs, and content contained in this publication are copyrighted works and Fair Market Value hereby reserves all rights. No part of this publication may be copied, reproduced, republished, uploaded to a third party, or distributed without the prior written permission of Fair Market Value.