NAICS 458110 Quarterly Industry Report
Clothing and Clothing Accessories Retailers
Comprehensive industry research for valuation professionals, business owners, buyers, and lenders
NAICS Code: 458110Sector: 45Updated: Q1 2026
About This Report
This NAICS 458110 industry report draws on data from the U.S. Census Bureau[4] Annual Retail Trade Survey, the Bureau of Labor Statistics[5] employment and wage statistics for retail apparel workers, and Small Business Administration[6] size standard tables. Fair Market Value analysts supplement these federal sources with apparel industry trade data and state business registration records to deliver quarterly updates. Each NAICS 458110 report revision tracks employment trends, revenue patterns, and market structure changes across the clothing retail sector.
Industry Definition & Overview
Clothing and Clothing Accessories Retailers (NAICS 458110) encompasses establishments primarily engaged in retailing general or specialized lines of new clothing and clothing accessories. These stores sell items such as hats and caps, costume jewelry, gloves, handbags, ties, wigs, toupees, and belts. Basic alterations like hemming, adjusting seams, and modifying sleeve lengths may be offered alongside retail sales. From large national apparel chains to small independent boutiques, this classification covers the full spectrum of clothing retail.
The U.S. Census Bureau[4] created this broad classification under the 2022 NAICS revision, consolidating several previously separate clothing retail categories. Retailers range from fast-fashion chains and department store apparel sections operated as separate establishments to luxury boutiques, bridal shops, uniform stores, and resale clothing outlets. Women's clothing represents the largest revenue segment, followed by men's wear and children's apparel. Accessories-only retailers focusing on handbags, hats, or costume jewelry also qualify under this code.
Merchandise sourcing spans domestic manufacturers, overseas contract production, and wholesale apparel distributors. Seasonal buying cycles require retailers to commit inventory purchases months ahead of selling seasons, creating cash flow management challenges for smaller operators. E-commerce has permanently altered competitive dynamics, with omnichannel strategies now standard among mid-size and large chains that maintain both physical stores and online storefronts.
What's Included in This Industry
- Operating women's, men's, and children's clothing retail stores
- Running apparel boutiques and specialty fashion retailers
- Selling hats, caps, and millinery products through dedicated retail shops
- Retailing handbags, purses, and leather accessories at specialty stores
- Operating costume jewelry and fashion accessories retail locations
- Running bridal and formal wear specialty retail shops
- Selling uniforms, workwear, and occupational apparel through retail stores
- Operating wig and hairpiece specialty retail establishments
- Retailing belts, scarves, ties, and other apparel accessories
- Providing basic clothing alterations as part of retail store services
NAICS Classification Hierarchy
| Level | Description | Code |
|---|---|---|
| Subsector | Clothing, Clothing Accessories, Shoe, and Jewelry Retailers | 458 |
| Industry Group | Clothing and Clothing Accessories Retailers | 4581 |
| NAICS Industry | Clothing and Clothing Accessories Retailers | 45811 |
| National Industry | Clothing and Clothing Accessories Retailers | 458110 |
Related NAICS Codes
| Code | Description | Relationship |
|---|---|---|
| 458210 | Shoe Retailers | Shoe retailers operate specialty footwear stores that complement clothing retailers and often co-locate in the same shopping centers and mall environments |
| 458310 | Jewelry Retailers | Jewelry retailers sell fine jewelry and watches that clothing stores may carry as accessories, particularly through fashion-oriented cross-merchandising strategies |
| 458320 | Luggage and Leather Goods Retailers | Luggage and leather goods retailers sell handbags, briefcases, and leather accessories that overlap with clothing accessory merchandise categories |
| 315210 | Cut and Sew Apparel Contractors | Cut and sew apparel contractors manufacture clothing products that retail stores purchase through wholesale distribution channels and direct sourcing programs |
| 424310 | Piece Goods, Notions, and Other Dry Goods Merchant Wholesalers | Piece goods and notions merchant wholesalers distribute fabrics and sewing supplies to clothing retailers that offer custom or altered garments |
| 455110 | Department Stores | Department stores operate clothing departments that compete directly with specialty apparel retailers across women's, men's, and children's wear categories |
SBA Lending Summary
5,352
Total SBA Loans
$1.5B
Total Loan Volume
$283K
Average Loan Size
10 yrs
Average Loan Term
10.80%
Average Interest Rate
29,424
Jobs Supported
Source: SBA 7(a) Program Data, U.S. Small Business Administration — FY 2025[3]
Key Insight: The Small Business Administration[7] sets the size standard for NAICS 458110 at $47 million in average annual receipts. Independent clothing boutiques, specialty retailers, and small chain operators below this threshold qualify as small businesses. SBA 7(a) loans[8] provide financing for inventory purchases, store buildouts, and seasonal working capital needs. The SBA 504 program[9] supports real estate acquisition and major leasehold improvements for owner-operated clothing retail locations.
Top SBA Lenders
| # | Lender | Loans | Volume | Avg Loan |
|---|---|---|---|---|
| 1 | Newtek Bank, National Association | 408 | $142.8M | $350K |
| 2 | Northeast Bank | 736 | $108.9M | $148K |
| 3 | First Internet Bank of Indiana | 56 | $101.2M | $1.8M |
| 4 | Readycap Lending, LLC | 312 | $72.6M | $233K |
| 5 | JPMorgan Chase Bank, National Association | 120 | $58.7M | $489K |
Frequently Asked Questions
Common questions about this industry.
What businesses are classified under NAICS 458110?
NAICS 458110 covers clothing stores, apparel boutiques, accessory retailers, hat shops, handbag stores, wig retailers, and any establishment primarily selling new clothing and clothing accessories. Stores offering basic alterations also qualify. The U.S. Census Bureau[4] provides the official definition.
How is NAICS 458110 structured in the 2022 NAICS system?
NAICS 458110 sits within Subsector 458, Clothing, Clothing Accessories, Shoe, and Jewelry Retailers. It consolidated several previous clothing retail codes under the 2022 revision into a single broad classification. The Census Bureau[10] details the full subsector hierarchy.
What is the SBA size standard for clothing retailers?
The SBA sets the size standard at $47 million in average annual receipts for NAICS 458110. Most independent boutiques and small chains operate well below this threshold. Current standards appear in the SBA table of size standards[6].
Which NAICS codes relate most closely to 458110?
Key related codes include 458210 for shoe retailers, 458310 for jewelry stores, 458320 for luggage and leather goods retailers, and 455110 for department stores. Each sells merchandise that complements or competes with clothing retail product lines.
What industries interact most with clothing retailers?
Apparel manufacturers (315210) supply products, textile wholesalers (424310) distribute fabrics and notions, department stores (455110) compete across all categories, and shoe retailers (458210) serve overlapping customer bases in shared retail environments.
What specific activities does NAICS 458110 include?
Activities include retailing clothing for all demographics, selling accessories like hats, belts, handbags, ties, and wigs, and providing basic alteration services. Both general clothing stores and specialty retailers focusing on a single product line qualify. The Census definition[4] lists the complete scope.
Can clothing store owners qualify for SBA loans?
Apparel retailers with receipts under $47 million qualify for SBA 7(a) loans for inventory, equipment, and working capital. The 504 program supports real estate and leasehold improvements. Application details are at the SBA funding programs page[11].
Where are clothing retailers most concentrated in the U.S.?
Clothing retailers cluster in metropolitan areas, shopping malls, and downtown commercial districts. California, New York, Texas, and Florida have the highest establishment counts. Fashion-forward urban markets like New York City, Los Angeles, and Miami support particularly dense concentrations of specialty and boutique clothing retailers.
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]Bureau of Labor Statistics bls.gov
- [6]Small Business Administration sba.gov
- [7]Small Business Administration sba.gov
- [8]SBA 7(a) loans sba.gov
- [9]SBA 504 program sba.gov
- [10]Census Bureau census.gov
- [11]SBA funding programs page sba.gov
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