Bandera County, Texas: commercial real estate data.
Bandera County, Texas has a population of 22,021 across 791 square miles, up 9.5 percent since the 2020 census base. County output reached $550.4 m in 2024, 428 establishments operate here, and the SBA record carries 8 7(a) approvals worth $4.8 m.
122 sourced county values · tier FULL · 12 sections
Bandera County
How many people live in Bandera County
- Population22,021
- Households9,255
- Average household size2.38
- Median household income$75,813
- Median age53.5
- Median gross rent$1,149 per month
- Median owner-occupied home value$278,400
- Home value to household income3.7 times
- Annual rent as a share of median income18.2 percent
- Adults 25 and over with a bachelor degree or higher27.2 percent
- Adults 25 and over with a graduate degree10.5 percent
- Adults 25 and over17,205
- Population under 183,651
- Share under 1816.6 percent
- Population 65 and over6,554
- Share 65 and over29.8 percent
- Working age population, 18 to 6411,816
- Civilian labor force10,271
- Unemployment rate8.7 percent
- Labor force participation, adults 18 and over55.9 percent
- Rank by population among Texas counties111th of 254
- Rank by population among US county-equivalents1774th
Bandera County is the 111th largest of 254 Texas counties by population. A median home costs 3.7 times median household income, which is an affordable ownership market by national standards. Residents 65 and over outnumber those under 18, at 29.8 percent against 16.6 percent, which points demand at health care, services and single storey product rather than schools.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Bandera County
Is Bandera County growing
- Population change since the 2020 census base9.54 percent
- Census 2020 base population20,842
- Births, 2024176
- Deaths, 2024312
- Natural change, 2024-136
- Net domestic migration, 2024304
- Net international migration, 202435
- Total net migration, 2024339
- Cumulative net domestic migration, 2021 to 20242,325
- Rank by growth among US county-equivalents163rd
The county has grown 9.54 percent since the 2020 census base. Deaths exceeded births in 2024, so all of the growth came from people moving in. A market held up by migration alone is more sensitive to a change in relative cost than one growing from household formation.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Bandera County
Where people moving to Bandera County come from
- Tax returns filed by households arriving989
- People arriving, from those returns1,992
- Adjusted gross income arriving$98.8 m
- Net adjusted gross income movement$0
- Average income of an arriving household$99,898
- Largest single originBandera County Non-migrants (8,415 households)
- Largest single destination (8,415 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Bandera County Non-migrants | 8,415 | 16,504 | $912.7 m |
| Bexar County | 312 | 657 | $25.4 m |
| Other flows - Same State | 244 | 481 | $37.6 m |
| Other flows - Different State | 225 | 435 | $20.3 m |
| Other flows - West | 116 | 232 | $11.3 m |
| Kendall County | 73 | 148 | $5.4 m |
| Other flows - South | 57 | 114 | $4.6 m |
| Other flows - Midwest | 52 | 89 | $4.4 m |
The largest single source of arrivals is Bandera County Non-migrants, which is the catchment a retail or multifamily study should look at first.
US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Bandera County
What the Bandera County economy runs on
- County GDP, 2024$550.4 m
- County GDP, 2023$520.3 m
- GDP change, 2023 to 20245.8 percent
- GDP change over five years34.5 percent
- Rank by GDP among Texas counties185th
- Rank by GDP among US county-equivalents2346th
- GDP per resident$24,994
Output grew 5.8 percent in the latest year and 34.5 percent over five, which is the trend line a lender will read behind any single year figure.
US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024.
Bandera County
Who employs people in Bandera County
- Covered employment, annual average3,679
- Establishments reporting505
- Average annual pay$45,515
- Average weekly wage$875
- Sector 72, employment774
- Sector 72, average annual pay$27,506
- Sector 44-45, employment471
- Sector 44-45, average annual pay$31,420
- Sector 23, employment366
- Sector 23, average annual pay$53,720
- Sector 81, employment210
- Sector 81, average annual pay$44,860
- Sector 54, employment128
- Sector 11, employment113
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 72 | 774 | 56 | $27,506 |
| Sector 44-45 | 471 | 55 | $31,420 |
| Sector 23 | 366 | 65 | $53,720 |
| Sector 81 | 210 | 46 | $44,860 |
| Sector 54 | 128 | 50 | $45,583 |
| Sector 11 | 113 | 38 | $46,862 |
| Sector 52 | 110 | 20 | $75,326 |
| Sector 48-49 | 63 | 9 | $61,989 |
The largest sector is the biggest private employer group at 774 jobs, 21.0 percent of covered employment. Average pay per job sits below median household income, so households here typically need more than one earner.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Bandera County
What businesses operate in Bandera County
- Establishments, all industries428
- Employment at those establishments3,150
- Annual payroll$128.1 m
- Establishments per 1,000 residents19.4
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against.
US Census Bureau, County Business Patterns, 2023.
Bandera County
What is being built in Bandera County
- Housing units authorised by permit, 20242
- Declared construction value permitted$650,000
- Single family units authorised2
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$325,000
- Units authorised per 1,000 households0.2
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Bandera County
How much SBA lending happens in Bandera County
- 7(a) approvals recorded8
- 7(a) gross approval dollars$4.8 m
- Average 7(a) approval$602,263
- Median 7(a) approval$115,600
- 10th percentile approval$25,000
- 90th percentile approval$3,218,200
- Largest single approval$3,218,200
- Jobs reported supported, 7(a)36
- Jobs per approval4.5
- Distinct 7(a) lenders active8
- Distinct industries receiving approvals7
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer25.0 percent
- Loans on real estate terms2
- Loans on working capital terms, 120 months or shorter6
- Franchise loans1
- Franchise share of approvals12.5 percent
- Leading industry by approval countRV (Recreational Vehicle) Parks and Campgrounds (2)
- Most active lenderEvolve Bank and Trust (1)
- 504 approvals recorded4
- 504 gross approval dollars$4.4 m
- Average 504 approval$1,089,750
- Median 504 approval$1,715,000
- Distinct CDCs active3
- 504 jobs per approval11.0
- 504 jobs per million dollars approved10.1
- Most active CDCLiftFund, Inc. (2)
- 7(a) share of SBA approvals66.7 percent
- Combined SBA approval dollars$9.2 m
The average approval of $602,263 sits well above the median of $115,600, so a small number of large deals is pulling the mean up. The median is the better guide to what a typical borrower here actually gets. Only 25.0 percent of approvals run on real estate terms, so SBA credit here is mostly working capital and equipment rather than property acquisition.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30. US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Bandera County
Do SBA loans in Bandera County get paid back
- Loans with a final outcome recorded3
- Paid in full3
- Charged off0
- Status: Paid in full3
- Status: Exempt from disclosure4
- Status: Cancelled1
Too few loans have reached a final outcome to publish a charge off rate. only 3 resolved loans, too few to publish a rate. A rate computed on a handful of loans is noise, so none is shown.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Bandera County
Which parts of Bandera County get the lending
- Places in the county with recorded lending3
- BANDERA, approvals4
- PIPE CREEK, approvals3
- Lakehills, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| BANDERA | 4 | $3,329,200 |
| PIPE CREEK | 3 | $295,600 |
| Lakehills | 1 | $1,193,300 |
BANDERA accounts for 4 approvals against 3 in PIPE CREEK. County level figures average over that gap, which is why a site decision is made at the submarket rather than the county.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Bandera County
How big is Bandera County
- Land area791 sq mi
- Rank by land area among Texas counties199th of 254
- Width, east to west49.5 mi
- Height, north to south23.9 mi
- Geographies sharing a boundary6
- Residents per square mile of land28
- Establishments per square mile0.54
US Census Bureau county boundary geometry, TIGER, adjacency computed from shared boundary vertices, TIGER county boundaries. US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year. US Census Bureau, County Business Patterns, 2023.
Bandera County
What hazards affect Bandera County
- EPA radon zone predicted average indoor radon screening level less than 2 pCi/LZone 3
- Communities in the NFIP Community Status Book2
- Of those, participating in the NFIP2
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
The EPA places the county in radon zone 3, a predicted average indoor radon screening level less than 2 pCi/L.
US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001. FEMA OpenFEMA, NFIP Community Status Book, Community Status Book, as retrieved.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Flood zone record counts are not held. The flood coverage export has not landed, so no count is shown rather than an estimated one.
- Traffic counts resolve in the platform, not in this dataset, so no AADT figure is printed here.
- Zoning is in build. Parcel level zoning is not published on this page.
Feasibility studies
When a Bandera County site needs a document a lender will accept.
The same data layer behind this page is the one the studies are written from. A study for a Bandera County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population22,021
- Households9,255
- Average household size2.38
- Median household income$75,813
- Median age53.5
Common questions
Bandera County questions, answered from the record.
How many people live in Bandera County, Texas?
22,021, in 9,255 households, ranking 111th of 254 Texas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Bandera County growing?
The population has grown 9.54 percent since the 2020 census base. In 2024 there were 176 births against 312 deaths, with net migration of 339. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Bandera County?
$75,813. The median owner-occupied home is valued at $278,400, which is 3.7 times income, and median gross rent is $1,149 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Bandera County?
428 establishments, employing 3,150 people with an annual payroll of $128.1 m. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in Bandera County?
Average annual pay is $45,515, or $875 a week, across 3,679 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Bandera County?
8 7(a) approvals totalling $4.8 m since FY2020, across 8 lenders, with a median approval of $115,600, plus 4 504 approvals worth $4.4 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Bandera County?
2 housing units were authorised by permit in 2024, with a declared construction value of $650,000. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Bandera County?
Zone 3, a predicted average indoor radon screening level less than 2 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Bandera County come from?
The largest single origin is Bandera County Non-migrants, with 8,415 households. Arriving households report an average income of $99,898 against null for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Bandera County on this page?
No. Annual average daily traffic resolves in the platform rather than in this dataset, so no AADT figure is printed here. It is a gap we know about rather than a figure we estimated.
Is zoning published for Bandera County?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame with confirm locally attached.