Bosque County, Texas: commercial real estate data.
Bosque County, Texas has a population of 18,687 across 983 square miles, up 4.3 percent since the 2020 census base. County output reached $856.9 m in 2024, 315 establishments operate here, and the SBA record carries 13 7(a) approvals worth $10.9 m.
123 sourced county values · tier FULL · 12 sections
Bosque County
How many people live in Bosque County
- Population18,687
- Households7,496
- Average household size2.49
- Median household income$68,914
- Median age46.2
- Median gross rent$928 per month
- Median owner-occupied home value$200,900
- Home value to household income2.9 times
- Annual rent as a share of median income16.2 percent
- Adults 25 and over with a bachelor degree or higher20.4 percent
- Adults 25 and over with a graduate degree7.0 percent
- Adults 25 and over13,479
- Population under 183,882
- Share under 1820.8 percent
- Population 65 and over4,785
- Share 65 and over25.6 percent
- Working age population, 18 to 6410,020
- Civilian labor force7,987
- Unemployment rate3.6 percent
- Labor force participation, adults 18 and over53.9 percent
- Rank by population among Texas counties127th of 254
- Rank by population among US county-equivalents1951st
Bosque County is the 127th largest of 254 Texas counties by population. A median home costs 2.9 times median household income, which is an affordable ownership market by national standards. Residents 65 and over outnumber those under 18, at 25.6 percent against 20.8 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.
Bosque County
Is Bosque County growing
- Population change since the 2020 census base4.30 percent
- Census 2020 base population18,229
- Births, 2024179
- Deaths, 2024306
- Natural change, 2024-127
- Net domestic migration, 2024143
- Net international migration, 202413
- Total net migration, 2024156
- Cumulative net domestic migration, 2021 to 20241,233
- Rank by growth among US county-equivalents640th
The county has grown 4.30 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.
Bosque County
Where people moving to Bosque County come from
- Tax returns filed by households arriving722
- People arriving, from those returns1,487
- Adjusted gross income arriving$47.8 m
- Net adjusted gross income movement$0
- Average income of an arriving household$66,199
- Largest single originBosque County Non-migrants (6,363 households)
- Largest single destination (6,363 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Bosque County Non-migrants | 6,363 | 13,308 | $464.1 m |
| Other flows - Same State | 236 | 501 | $17.6 m |
| McLennan County | 153 | 343 | $8.9 m |
| Other flows - Different State | 120 | 247 | $8.3 m |
| Hill County | 81 | 153 | $3.5 m |
| Other flows - West | 61 | 143 | $4.8 m |
| Tarrant County | 58 | 101 | $3.0 m |
| Johnson County | 52 | 111 | $3.6 m |
The largest single source of arrivals is Bosque 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.
Bosque County
What the Bosque County economy runs on
- County GDP, 2024$856.9 m
- County GDP, 2023$852.3 m
- GDP change, 2023 to 20240.5 percent
- GDP change over five years40.4 percent
- Rank by GDP among Texas counties162nd
- Rank by GDP among US county-equivalents1973rd
- GDP per resident$45,856
Output grew 0.5 percent in the latest year and 40.4 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.
Bosque County
Who employs people in Bosque County
- Covered employment, annual average4,077
- Establishments reporting400
- Average annual pay$55,213
- Average weekly wage$1,062
- Sector 44-45, employment467
- Sector 44-45, average annual pay$30,841
- Sector 31-33, employment425
- Sector 31-33, average annual pay$75,177
- Sector 23, employment394
- Sector 23, average annual pay$96,603
- Sector 72, employment282
- Sector 72, average annual pay$19,399
- Sector 48-49, employment183
- Sector 54, employment116
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 467 | 54 | $30,841 |
| Sector 31-33 | 425 | 15 | $75,177 |
| Sector 23 | 394 | 38 | $96,603 |
| Sector 72 | 282 | 35 | $19,399 |
| Sector 48-49 | 183 | 13 | $42,195 |
| Sector 54 | 116 | 28 | $70,986 |
| Sector 52 | 103 | 24 | $62,143 |
| Sector 56 | 99 | 16 | $42,443 |
The largest sector is the biggest private employer group at 467 jobs, 11.5 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.
Bosque County
What businesses operate in Bosque County
- Establishments, all industries315
- Employment at those establishments2,520
- Annual payroll$107.0 m
- Establishments per 1,000 residents16.9
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.
Bosque County
What is being built in Bosque County
- Housing units authorised by permit, 202412
- Declared construction value permitted$1.4 m
- Single family units authorised12
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$119,387
- Units authorised per 1,000 households1.6
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Bosque County
How much SBA lending happens in Bosque County
- 7(a) approvals recorded13
- 7(a) gross approval dollars$10.9 m
- Average 7(a) approval$835,385
- Median 7(a) approval$645,000
- 10th percentile approval$185,000
- 90th percentile approval$1,453,000
- Largest single approval$3,050,000
- Jobs reported supported, 7(a)62
- Jobs per approval4.8
- Distinct 7(a) lenders active10
- Distinct industries receiving approvals9
- Median 7(a) term300 months
- Share of loans on real estate terms, 240 months or longer61.5 percent
- Loans on real estate terms8
- Loans on working capital terms, 120 months or shorter5
- Franchise loans1
- Franchise share of approvals7.7 percent
- Leading industry by approval countGasoline Stations with Convenience Stores (5)
- Most active lenderMetro City Bank (3)
- 504 approvals recorded1
- 504 gross approval dollars$196,000
- Average 504 approval$196,000
- Median 504 approval$196,000
- Distinct CDCs active1
- 504 jobs per approval2.0
- 504 jobs per million dollars approved10.2
- Most active CDCNorth Texas Certified Development Corporation (1)
- 7(a) share of SBA approvals92.9 percent
- Combined SBA approval dollars$11.1 m
The average approval of $835,385 sits close to the median of $645,000, so lending here is fairly evenly sized rather than driven by a few large deals. 61.5 percent of approvals run on real estate terms of 240 months or more, so this is a market where SBA credit is buying buildings, not just funding operations.
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.
Bosque County
Do SBA loans in Bosque County get paid back
- Loans with a final outcome recorded4
- Paid in full4
- Charged off0
- Status: Paid in full4
- Status: Exempt from disclosure8
- Status: Committed, not yet disbursed1
Too few loans have reached a final outcome to publish a charge off rate. only 4 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.
Bosque County
Which parts of Bosque County get the lending
- Places in the county with recorded lending4
- CLIFTON, approvals8
- Morgan, approvals3
- VALLEY MILLS, approvals1
- WALNUT SPRINGS, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| CLIFTON | 8 | $7,509,000 |
| Morgan | 3 | $2,248,000 |
| VALLEY MILLS | 1 | $35,000 |
| WALNUT SPRINGS | 1 | $1,068,000 |
CLIFTON accounts for 8 approvals against 3 in Morgan. 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.
Bosque County
How big is Bosque County
- Land area983 sq mi
- Rank by land area among Texas counties79th of 254
- Width, east to west42.8 mi
- Height, north to south42.5 mi
- Geographies sharing a boundary7
- Residents per square mile of land19
- Establishments per square mile0.32
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.
Bosque County
What hazards affect Bosque County
- EPA radon zone predicted average indoor radon screening level less than 2 pCi/LZone 3
- Communities in the NFIP Community Status Book8
- Of those, participating in the NFIP7
- NFIP participation rate87.5 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 Bosque 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 Bosque County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population18,687
- Households7,496
- Average household size2.49
- Median household income$68,914
- Median age46.2
Common questions
Bosque County questions, answered from the record.
How many people live in Bosque County, Texas?
18,687, in 7,496 households, ranking 127th of 254 Texas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Bosque County growing?
The population has grown 4.30 percent since the 2020 census base. In 2024 there were 179 births against 306 deaths, with net migration of 156. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Bosque County?
$68,914. The median owner-occupied home is valued at $200,900, which is 2.9 times income, and median gross rent is $928 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Bosque County?
315 establishments, employing 2,520 people with an annual payroll of $107.0 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 Bosque County?
Average annual pay is $55,213, or $1,062 a week, across 4,077 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Bosque County?
13 7(a) approvals totalling $10.9 m since FY2020, across 10 lenders, with a median approval of $645,000, plus 1 504 approvals worth $196,000. These are approvals recorded in the release, not loans disbursed.
What is being built in Bosque County?
12 housing units were authorised by permit in 2024, with a declared construction value of $1.4 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Bosque 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 Bosque County come from?
The largest single origin is Bosque County Non-migrants, with 6,363 households. Arriving households report an average income of $66,199 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 Bosque 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 Bosque 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.