Cass County, Texas: commercial real estate data.
Cass County, Texas has a population of 28,568 across 937 square miles, up 0.6 percent since the 2020 census base. County output reached $1.48 bn in 2024, 519 establishments operate here, and the SBA record carries 18 7(a) approvals worth $14.9 m.
125 sourced county values · tier FULL · 12 sections
Cass County
How many people live in Cass County
- Population28,568
- Households11,805
- Average household size2.42
- Median household income$53,813
- Median age44.4
- Median gross rent$852 per month
- Median owner-occupied home value$146,400
- Home value to household income2.7 times
- Annual rent as a share of median income19.0 percent
- Adults 25 and over with a bachelor degree or higher18.9 percent
- Adults 25 and over with a graduate degree6.0 percent
- Adults 25 and over20,234
- Population under 186,413
- Share under 1822.4 percent
- Population 65 and over6,432
- Share 65 and over22.5 percent
- Working age population, 18 to 6415,723
- Civilian labor force11,740
- Unemployment rate6.4 percent
- Labor force participation, adults 18 and over53.0 percent
- Rank by population among Texas counties97th of 254
- Rank by population among US county-equivalents1520th
Cass County is the 97th largest of 254 Texas counties by population. A median home costs 2.7 times median household income, which is an affordable ownership market by national standards. Residents 65 and over outnumber those under 18, at 22.5 percent against 22.4 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.
Cass County
Is Cass County growing
- Population change since the 2020 census base0.61 percent
- Census 2020 base population28,448
- Births, 2024301
- Deaths, 2024527
- Natural change, 2024-226
- Net domestic migration, 2024162
- Net international migration, 202420
- Total net migration, 2024182
- Cumulative net domestic migration, 2021 to 20241,069
- Rank by growth among US county-equivalents1617th
The county has grown 0.61 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.
Cass County
Where people moving to Cass County come from
- Tax returns filed by households arriving835
- People arriving, from those returns1,737
- Adjusted gross income arriving$47.8 m
- Net adjusted gross income movement$0
- Average income of an arriving household$57,248
- Largest single originCass County Non-migrants (10,262 households)
- Largest single destination (10,262 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Cass County Non-migrants | 10,262 | 21,857 | $593.2 m |
| Other flows - Same State | 250 | 540 | $15.5 m |
| Other flows - Different State | 193 | 386 | $13.2 m |
| Bowie County | 122 | 264 | $6.0 m |
| Other flows - South | 88 | 175 | $6.5 m |
| Other flows - West | 78 | 152 | $4.9 m |
| Morris County | 69 | 148 | $3.2 m |
| Miller County | 40 | 79 | $1.2 m |
The largest single source of arrivals is Cass 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.
Cass County
What the Cass County economy runs on
- County GDP, 2024$1.48 bn
- County GDP, 2023$1.38 bn
- GDP change, 2023 to 20247.4 percent
- GDP change over five years53.3 percent
- Rank by GDP among Texas counties129th
- Rank by GDP among US county-equivalents1527th
- GDP per resident$51,740
Output grew 7.4 percent in the latest year and 53.3 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.
Cass County
Who employs people in Cass County
- Covered employment, annual average7,778
- Establishments reporting568
- Average annual pay$47,986
- Average weekly wage$923
- Sector 62, employment1,320
- Sector 62, average annual pay$30,048
- Sector 31-33, employment1,318
- Sector 31-33, average annual pay$83,698
- Sector 44-45, employment837
- Sector 44-45, average annual pay$30,045
- Sector 72, employment707
- Sector 72, average annual pay$16,747
- Sector 42, employment360
- Sector 23, employment235
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 1,320 | 63 | $30,048 |
| Sector 31-33 | 1,318 | 27 | $83,698 |
| Sector 44-45 | 837 | 66 | $30,045 |
| Sector 72 | 707 | 62 | $16,747 |
| Sector 42 | 360 | 20 | $73,720 |
| Sector 23 | 235 | 44 | $58,937 |
| Sector 11 | 210 | 24 | $53,421 |
| Sector 52 | 194 | 38 | $52,748 |
The largest sector is the biggest private employer group at 1,320 jobs, 17.0 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.
Cass County
What businesses operate in Cass County
- Establishments, all industries519
- Employment at those establishments6,192
- Annual payroll$260.2 m
- Establishments per 1,000 residents18.2
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.
Cass County
What is being built in Cass County
- Housing units authorised by permit, 202412
- Declared construction value permitted$1.6 m
- Single family units authorised12
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$136,119
- Units authorised per 1,000 households1.0
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Cass County
How much SBA lending happens in Cass County
- 7(a) approvals recorded18
- 7(a) gross approval dollars$14.9 m
- Average 7(a) approval$829,106
- Median 7(a) approval$865,000
- 10th percentile approval$25,000
- 90th percentile approval$1,805,000
- Largest single approval$1,952,300
- Jobs reported supported, 7(a)116
- Jobs per approval6.4
- Distinct 7(a) lenders active15
- Distinct industries receiving approvals13
- Median 7(a) term180 months
- Share of loans on real estate terms, 240 months or longer44.4 percent
- Loans on real estate terms8
- Loans on working capital terms, 120 months or shorter7
- Franchise loans7
- Franchise share of approvals38.9 percent
- Leading industry by approval countHotels (except Casino Hotels) and Motels (3)
- Most active lenderFirst Financial Bank (2)
- 504 approvals recorded2
- 504 gross approval dollars$1.5 m
- Average 504 approval$774,000
- Median 504 approval$1,077,000
- Distinct CDCs active2
- 504 jobs per approval5.0
- 504 jobs per million dollars approved6.5
- Most active CDCGreater East Texas Certified Development Company (1)
- 7(a) share of SBA approvals90.0 percent
- Combined SBA approval dollars$16.5 m
The average approval of $829,106 sits close to the median of $865,000, so lending here is fairly evenly sized rather than driven by a few large deals. 44.4 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.
Cass County
Do SBA loans in Cass County get paid back
- Loans with a final outcome recorded6
- Paid in full6
- Charged off0
- Status: Paid in full6
- Status: Exempt from disclosure11
- Status: Committed, not yet disbursed1
Too few loans have reached a final outcome to publish a charge off rate. only 6 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.
Cass County
Which parts of Cass County get the lending
- Places in the county with recorded lending6
- ATLANTA, approvals5
- LINDEN, approvals4
- QUEEN CITY, approvals4
- DOUGLASSVILLE, approvals2
- HUGHES SPRINGS, approvals2
- MARIETTA, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| ATLANTA | 5 | $6,348,800 |
| LINDEN | 4 | $2,599,300 |
| QUEEN CITY | 4 | $2,287,800 |
| DOUGLASSVILLE | 2 | $153,000 |
| HUGHES SPRINGS | 2 | $2,705,000 |
| MARIETTA | 1 | $830,000 |
ATLANTA accounts for 5 approvals against 4 in LINDEN. 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.
Cass County
How big is Cass County
- Land area937 sq mi
- Rank by land area among Texas counties91st of 254
- Width, east to west35.4 mi
- Height, north to south28.9 mi
- Geographies sharing a boundary3
- Residents per square mile of land30
- Establishments per square mile0.55
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.
Cass County
What hazards affect Cass County
- EPA radon zone predicted average indoor radon screening level less than 2 pCi/LZone 3
- Communities in the NFIP Community Status Book10
- Of those, participating in the NFIP7
- NFIP participation rate70.0 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 Cass 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 Cass County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population28,568
- Households11,805
- Average household size2.42
- Median household income$53,813
- Median age44.4
Common questions
Cass County questions, answered from the record.
How many people live in Cass County, Texas?
28,568, in 11,805 households, ranking 97th of 254 Texas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Cass County growing?
The population has grown 0.61 percent since the 2020 census base. In 2024 there were 301 births against 527 deaths, with net migration of 182. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Cass County?
$53,813. The median owner-occupied home is valued at $146,400, which is 2.7 times income, and median gross rent is $852 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Cass County?
519 establishments, employing 6,192 people with an annual payroll of $260.2 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 Cass County?
Average annual pay is $47,986, or $923 a week, across 7,778 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Cass County?
18 7(a) approvals totalling $14.9 m since FY2020, across 15 lenders, with a median approval of $865,000, plus 2 504 approvals worth $1.5 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Cass County?
12 housing units were authorised by permit in 2024, with a declared construction value of $1.6 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Cass 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 Cass County come from?
The largest single origin is Cass County Non-migrants, with 10,262 households. Arriving households report an average income of $57,248 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 Cass 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 Cass 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.