Callahan County, Texas: commercial real estate data.
Callahan County, Texas has a population of 14,241 across 899 square miles, up 6.6 percent since the 2020 census base. County output reached $552.7 m in 2024, 252 establishments operate here, and the SBA record carries 14 7(a) approvals worth $10.5 m.
122 sourced county values · tier FULL · 12 sections
Callahan County
How many people live in Callahan County
- Population14,241
- Households5,239
- Average household size2.72
- Median household income$72,436
- Median age44.1
- Median gross rent$817 per month
- Median owner-occupied home value$145,500
- Home value to household income2.0 times
- Annual rent as a share of median income13.5 percent
- Adults 25 and over with a bachelor degree or higher24.0 percent
- Adults 25 and over with a graduate degree6.5 percent
- Adults 25 and over10,018
- Population under 183,102
- Share under 1821.8 percent
- Population 65 and over2,985
- Share 65 and over21.0 percent
- Working age population, 18 to 648,154
- Civilian labor force6,848
- Unemployment rate4.7 percent
- Labor force participation, adults 18 and over61.5 percent
- Rank by population among Texas counties142nd of 254
- Rank by population among US county-equivalents2209th
Callahan County is the 142nd largest of 254 Texas counties by population. A median home costs 2.0 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 21.8 percent against 21.0 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Callahan County
Is Callahan County growing
- Population change since the 2020 census base6.60 percent
- Census 2020 base population13,710
- Births, 2024139
- Deaths, 2024173
- Natural change, 2024-34
- Net domestic migration, 2024189
- Net international migration, 20248
- Total net migration, 2024197
- Cumulative net domestic migration, 2021 to 20241,101
- Rank by growth among US county-equivalents341st
The county has grown 6.60 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.
Callahan County
Where people moving to Callahan County come from
- Tax returns filed by households arriving509
- People arriving, from those returns1,013
- Adjusted gross income arriving$37.9 m
- Net adjusted gross income movement$0
- Average income of an arriving household$74,436
- Largest single originCallahan County Non-migrants (4,871 households)
- Largest single destination (4,871 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Callahan County Non-migrants | 4,871 | 10,388 | $327.0 m |
| Taylor County | 229 | 485 | $21.2 m |
| Other flows - Same State | 202 | 374 | $10.8 m |
| Other flows - Different State | 78 | 154 | $5.8 m |
| Other flows - West | 49 | 101 | $3.9 m |
| Other flows - South | 29 | 53 | $1.9 m |
The largest single source of arrivals is Callahan 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.
Callahan County
What the Callahan County economy runs on
- County GDP, 2024$552.7 m
- County GDP, 2023$524.6 m
- GDP change, 2023 to 20245.4 percent
- GDP change over five years75.1 percent
- Rank by GDP among Texas counties184th
- Rank by GDP among US county-equivalents2343rd
- GDP per resident$38,813
Output grew 5.4 percent in the latest year and 75.1 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.
Callahan County
Who employs people in Callahan County
- Covered employment, annual average2,971
- Establishments reporting340
- Average annual pay$52,912
- Average weekly wage$1,018
- Sector 44-45, employment575
- Sector 44-45, average annual pay$56,672
- Sector 72, employment341
- Sector 72, average annual pay$16,999
- Sector 23, employment308
- Sector 23, average annual pay$84,432
- Sector 31-33, employment136
- Sector 31-33, average annual pay$58,891
- Sector 54, employment108
- Sector 42, employment85
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 575 | 38 | $56,672 |
| Sector 72 | 341 | 26 | $16,999 |
| Sector 23 | 308 | 46 | $84,432 |
| Sector 31-33 | 136 | 16 | $58,891 |
| Sector 54 | 108 | 34 | $76,862 |
| Sector 42 | 85 | 15 | $87,455 |
| Sector 48-49 | 73 | 11 | $82,026 |
| Sector 52 | 55 | 14 | $62,255 |
The largest sector is the biggest private employer group at 575 jobs, 19.4 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.
Callahan County
What businesses operate in Callahan County
- Establishments, all industries252
- Employment at those establishments1,725
- Annual payroll$80.0 m
- Establishments per 1,000 residents17.7
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.
Callahan County
What is being built in Callahan County
- Housing units authorised by permit, 202411
- Declared construction value permitted$2.5 m
- Single family units authorised11
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$229,000
- Units authorised per 1,000 households2.1
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Callahan County
How much SBA lending happens in Callahan County
- 7(a) approvals recorded14
- 7(a) gross approval dollars$10.5 m
- Average 7(a) approval$749,779
- Median 7(a) approval$400,000
- 10th percentile approval$108,600
- 90th percentile approval$1,300,000
- Largest single approval$3,707,300
- Jobs reported supported, 7(a)126
- Jobs per approval9.0
- Distinct 7(a) lenders active6
- Distinct industries receiving approvals9
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer28.6 percent
- Loans on real estate terms4
- Loans on working capital terms, 120 months or shorter8
- Franchise loans2
- Franchise share of approvals14.3 percent
- Leading industry by approval countGeneral Freight Trucking, Local (3)
- Most active lenderFirst National Bank and Trust Company of Weatherford d/b/a First Bank Texas (8)
- 504 approvals recorded2
- 504 gross approval dollars$2.2 m
- Average 504 approval$1,106,500
- Median 504 approval$1,967,000
- Distinct CDCs active1
- 504 jobs per approval7.5
- 504 jobs per million dollars approved6.8
- Most active CDCCapital Certified Development Corporation (2)
- 7(a) share of SBA approvals87.5 percent
- Combined SBA approval dollars$12.7 m
The average approval of $749,779 sits well above the median of $400,000, 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 28.6 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.
Callahan County
Do SBA loans in Callahan County get paid back
- Loans with a final outcome recorded7
- Paid in full7
- Charged off0
- Status: Cancelled1
- Status: Paid in full7
- Status: Exempt from disclosure6
Too few loans have reached a final outcome to publish a charge off rate. only 7 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.
Callahan County
Which parts of Callahan County get the lending
- Places in the county with recorded lending3
- CLYDE, approvals9
- ABILENE, approvals3
- Baird, approvals2
| Place | Approvals | Gross approval dollars |
|---|---|---|
| CLYDE | 9 | $4,739,600 |
| ABILENE | 3 | $4,902,300 |
| Baird | 2 | $855,000 |
CLYDE accounts for 9 approvals against 3 in ABILENE. 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.
Callahan County
How big is Callahan County
- Land area899 sq mi
- Rank by land area among Texas counties150th of 254
- Width, east to west30.3 mi
- Height, north to south30.1 mi
- Geographies sharing a boundary6
- Residents per square mile of land16
- Establishments per square mile0.28
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.
Callahan County
What hazards affect Callahan County
- EPA radon zone predicted average indoor radon screening level less than 2 pCi/LZone 3
- Communities in the NFIP Community Status Book5
- Of those, participating in the NFIP3
- NFIP participation rate60.0 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 Callahan 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 Callahan County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population14,241
- Households5,239
- Average household size2.72
- Median household income$72,436
- Median age44.1
Common questions
Callahan County questions, answered from the record.
How many people live in Callahan County, Texas?
14,241, in 5,239 households, ranking 142nd of 254 Texas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Callahan County growing?
The population has grown 6.60 percent since the 2020 census base. In 2024 there were 139 births against 173 deaths, with net migration of 197. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Callahan County?
$72,436. The median owner-occupied home is valued at $145,500, which is 2.0 times income, and median gross rent is $817 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Callahan County?
252 establishments, employing 1,725 people with an annual payroll of $80.0 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 Callahan County?
Average annual pay is $52,912, or $1,018 a week, across 2,971 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Callahan County?
14 7(a) approvals totalling $10.5 m since FY2020, across 6 lenders, with a median approval of $400,000, plus 2 504 approvals worth $2.2 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Callahan County?
11 housing units were authorised by permit in 2024, with a declared construction value of $2.5 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Callahan 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 Callahan County come from?
The largest single origin is Callahan County Non-migrants, with 4,871 households. Arriving households report an average income of $74,436 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 Callahan 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 Callahan 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.