NAICS 484110 Quarterly Industry Report
General Freight Trucking, Local
Comprehensive industry research for valuation professionals, business owners, buyers, and lenders
NAICS Code: 484110Sector: 48Updated: Q1 2026
About This Report
This NAICS 484110 industry report integrates data from the U.S. Census Bureau[5] transportation surveys, Bureau of Labor Statistics[6] employment and wage statistics for truck drivers, and Small Business Administration[7] size standard tables. Fair Market Value researchers supplement these federal sources with Federal Motor Carrier Safety Administration registration data and freight rate benchmarking reports to produce quarterly updates. Each NAICS 484110 report revision captures employment trends, rate dynamics, and competitive factors across the local general freight trucking sector.
Industry Snapshot
Key metrics for the general freight trucking, local industry.
Industry Definition & Overview
General Freight Trucking, Local (NAICS 484110) encompasses establishments primarily engaged in providing local general freight trucking services. These companies handle a wide variety of commodities, generally palletized and transported in a container or van trailer, within a metropolitan area that may cross state lines. Drayage operators moving containers between ports and rail terminals, local pickup and delivery carriers, and short-haul trucking companies all fall within this classification.
The U.S. Census Bureau[5] separates local general freight trucking from long-distance truckload operations (484121) and less-than-truckload carriers (484122) that move freight between distant cities. Local operations typically involve same-day or next-day delivery within a defined service radius. Container drayage between marine terminals and distribution centers represents a high-volume activity in port cities, while general pickup and delivery services connect shippers with warehouses, retail locations, and final-mile destinations.
Owner-operators with single trucks comprise a large portion of the local freight market, working as independent contractors or under authority of larger carriers. Low barriers to entry keep the market highly fragmented, with tens of thousands of small operators competing for loads alongside larger fleet operators. Fuel costs, driver availability, urban traffic congestion, and parking access directly affect profitability. Local government regulations including truck route restrictions, bridge weight limits, and delivery window mandates add operational complexity that varies by municipality and requires drivers to maintain detailed knowledge of each service area within their regular operating territory.
What's Included in This Industry
- Providing local pickup and delivery trucking services within metropolitan areas
- Operating container drayage between marine terminals, rail yards, and warehouses
- Running local courier trucking service for commercial freight shipments
- Providing short-haul general freight trucking within a defined service radius
- Operating local van and box truck delivery services for palletized freight
- Hauling intermodal containers between ports and local distribution centers
- Providing same-day and next-day local freight delivery for commercial shippers
- Operating fleet trucking services for local business-to-business freight movements
- Running cross-dock and consolidation operations for local freight distribution
- Providing temperature-controlled local freight delivery for perishable general cargo
NAICS Classification Hierarchy
| Level | Description | Code |
|---|---|---|
| Subsector | Truck Transportation | 484 |
| Industry Group | General Freight Trucking | 4841 |
| NAICS Industry | General Freight Trucking, Local | 48411 |
| National Industry | General Freight Trucking, Local | 484110 |
Related NAICS Codes
| Code | Description | Relationship |
|---|---|---|
| 484121 | General Freight Trucking, Long-Distance, Truckload | Long-distance truckload carriers handle intercity freight movements that local operators connect to through pickup and delivery and drayage services |
| 484122 | General Freight Trucking, Long-Distance, Less Than Truckload | Less-than-truckload carriers consolidate smaller shipments for long-distance transport, relying on local trucking for terminal pickup and delivery |
| 484210 | Used Household and Office Goods Moving | Used household goods movers provide specialized local transportation that differs from the general commercial freight handled by local trucking operators |
| 493110 | General Warehousing and Storage | General warehousing and storage facilities generate local trucking demand as freight moves between storage locations and customer delivery points |
| 488410 | Motor Vehicle Towing | Motor vehicle towing companies provide specialized vehicle transport that operates alongside general freight in local commercial trucking markets |
| 484220 | Specialized Freight (except Used Goods) Trucking, Local | Specialized local freight trucking handles flatbed, tanker, and other non-van trailer commodities that general freight carriers do not typically transport |
Geographic Concentration
Top states by share of national establishments.
| # | State | % Est. | Total Est. |
|---|---|---|---|
| 1 | California | 20.8% | 9,427 |
| 2 | Illinois | 10.3% | 4,678 |
| 3 | Florida | 6.5% | 2,948 |
| 4 | Texas | 6.1% | 2,770 |
| 5 | New York | 4.6% | 2,107 |
| 6 | Pennsylvania | 4.1% | 1,859 |
| 7 | New Jersey | 3.6% | 1,617 |
| 8 | Michigan | 3.5% | 1,597 |
| 9 | Ohio | 3.0% | 1,384 |
| 10 | North Carolina | 2.9% | 1,319 |
% Of Establishments
0%
21%
Source: County Business Patterns, U.S. Census Bureau[3]
SBA Lending Summary
6,712
Total SBA Loans
$1.9B
Total Loan Volume
$287K
Average Loan Size
10 yrs
Average Loan Term
10.47%
Average Interest Rate
51,232
Jobs Supported
Source: SBA 7(a) Program Data, U.S. Small Business Administration — FY 2025[4]
Key Insight: The Small Business Administration[8] sets the size standard for NAICS 484110 at $34 million in average annual receipts. Owner-operators and small fleet companies below this threshold qualify as small businesses. SBA 7(a) loans[9] can finance truck purchases, trailer equipment, and working capital for local freight trucking operations. The SBA 504 program[10] supports real estate acquisition and terminal facility investments for owner-operated local trucking companies.
Top SBA Lenders
| # | Lender | Loans | Volume | Avg Loan |
|---|---|---|---|---|
| 1 | First Financial Bank | 88 | $174.3M | $2.0M |
| 2 | Northeast Bank | 1,216 | $170.0M | $140K |
| 3 | Readycap Lending, LLC | 72 | $166.4M | $2.3M |
| 4 | Celtic Bank Corporation | 104 | $111.9M | $1.1M |
| 5 | The Huntington National Bank | 1,216 | $91.5M | $75K |
Frequently Asked Questions
Common questions about this industry.
What businesses are classified under NAICS 484110?
NAICS 484110 covers local trucking companies, drayage operators, pickup and delivery carriers, and short-haul freight haulers operating within metropolitan areas. Owner-operators and small fleet companies qualify. The U.S. Census Bureau[5] provides the official classification.
How is NAICS 484110 different from long-distance trucking?
Local freight trucking (484110) operates within metropolitan areas on same-day or next-day routes, while long-distance carriers (484121, 484122) move freight between distant cities. The Census Bureau[11] separates them by the geographic scope of operations.
What is the SBA size standard for local trucking companies?
The SBA sets the size standard at $34 million in average annual receipts for NAICS 484110. Most owner-operators and small fleets fall well below this level. Current standards appear in the SBA table of size standards[7].
Which NAICS codes relate most closely to 484110?
Key related codes include 484121 for long-distance truckload, 484122 for LTL carriers, 484220 for specialized local trucking, and 493110 for warehousing. Each interacts with local freight operations.
What industries interact with local freight truckers?
Long-distance carriers (484121) need local pickup and delivery, LTL operators (484122) use terminal drayage, warehouses (493110) generate load demand, and freight brokers (488510) match loads with trucks. Port authorities also rely on drayage operators for container movement.
What activities does NAICS 484110 include?
Activities cover local pickup and delivery, container drayage, short-haul freight hauling, metropolitan area delivery, and cross-dock operations for palletized general freight. The Census definition[5] covers the full scope.
Can local trucking owners get SBA loans?
Local trucking companies with receipts under $34 million qualify for SBA 7(a) loans covering truck purchases, trailer equipment, and working capital. The 504 program funds terminal and yard investments. Details are at the SBA funding programs page[12].
Where are local freight trucking operations concentrated?
Local trucking concentrates around major port cities, intermodal terminals, and metropolitan distribution centers. Los Angeles-Long Beach, New York-New Jersey, Chicago, Houston, and Atlanta support the highest densities of local freight trucking activity due to port volumes, warehouse clusters, and consumer market size.
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. Census Bureau, County Business Patterns census.gov
- [4]U.S. Small Business Administration, SBA 7(a) Loan Program Data data.sba.gov
- [5]U.S. Census Bureau census.gov
- [6]Bureau of Labor Statistics bls.gov
- [7]Small Business Administration sba.gov
- [8]Small Business Administration sba.gov
- [9]SBA 7(a) loans sba.gov
- [10]SBA 504 program sba.gov
- [11]Census Bureau census.gov
- [12]SBA funding programs page sba.gov
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