Comal County, Texas: commercial real estate data.
Comal County, Texas has a population of 183,826 across 559 square miles, up 24.9 percent since the 2020 census base. County output reached $12.08 bn in 2024, 4,951 establishments operate here, and the SBA record carries 277 7(a) approvals worth $144.6 m.
129 sourced county values · tier FULL · 12 sections
Comal County
How many people live in Comal County
- Population183,826
- Households71,354
- Average household size2.58
- Median household income$101,889
- Median age41.8
- Median gross rent$1,603 per month
- Median owner-occupied home value$427,200
- Home value to household income4.2 times
- Annual rent as a share of median income18.9 percent
- Adults 25 and over with a bachelor degree or higher43.4 percent
- Adults 25 and over with a graduate degree15.0 percent
- Adults 25 and over129,685
- Population under 1840,643
- Share under 1822.1 percent
- Population 65 and over34,386
- Share 65 and over18.7 percent
- Working age population, 18 to 64108,797
- Civilian labor force92,240
- Unemployment rate3.9 percent
- Labor force participation, adults 18 and over64.4 percent
- Rank by population among Texas counties27th of 254
- Rank by population among US county-equivalents371st
Comal County is the 27th largest of 254 Texas counties by population. A median home costs 4.2 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 22.1 percent against 18.7 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Comal County
Is Comal County growing
- Population change since the 2020 census base24.87 percent
- Census 2020 base population161,466
- Births, 20241,882
- Deaths, 20241,631
- Natural change, 2024251
- Net domestic migration, 20247,081
- Net international migration, 2024217
- Total net migration, 20247,298
- Cumulative net domestic migration, 2021 to 202436,965
- Rank by growth among US county-equivalents6th
The county has grown 24.87 percent since the 2020 census base. Migration contributed more to 2024 change than births over deaths, so demand here follows people arriving rather than families forming.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Comal County
Where people moving to Comal County come from
- Tax returns filed by households arriving10,169
- People arriving, from those returns20,441
- Adjusted gross income arriving$1.16 bn
- Net adjusted gross income movement$0
- Average income of an arriving household$113,849
- Largest single originComal County Non-migrants (63,184 households)
- Largest single destination (63,184 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Comal County Non-migrants | 63,184 | 134,142 | $7.83 bn |
| Bexar County | 2,323 | 4,685 | $242.7 m |
| Other flows - Different State | 1,845 | 3,862 | $206.5 m |
| Guadalupe County | 1,191 | 2,499 | $118.9 m |
| Hays County | 698 | 1,239 | $84.7 m |
| Other flows - South | 663 | 1,379 | $78.1 m |
| Other flows - West | 632 | 1,361 | $74.2 m |
| Travis County | 625 | 1,112 | $73.1 m |
The largest single source of arrivals is Comal 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.
Comal County
What the Comal County economy runs on
- County GDP, 2024$12.08 bn
- County GDP, 2023$11.06 bn
- GDP change, 2023 to 20249.3 percent
- GDP change over five years59.2 percent
- Rank by GDP among Texas counties30th
- Rank by GDP among US county-equivalents383rd
- GDP per resident$65,738
Output grew 9.3 percent in the latest year and 59.2 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.
Comal County
Who employs people in Comal County
- Covered employment, annual average76,434
- Establishments reporting5,146
- Average annual pay$58,057
- Average weekly wage$1,116
- Sector 44-45, employment10,358
- Sector 44-45, average annual pay$43,955
- Sector 72, employment9,499
- Sector 72, average annual pay$26,194
- Sector 23, employment8,173
- Sector 23, average annual pay$71,456
- Sector 62, employment8,122
- Sector 62, average annual pay$57,859
- Sector 56, employment4,831
- Sector 48-49, employment4,603
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 10,358 | 493 | $43,955 |
| Sector 72 | 9,499 | 433 | $26,194 |
| Sector 23 | 8,173 | 670 | $71,456 |
| Sector 62 | 8,122 | 519 | $57,859 |
| Sector 56 | 4,831 | 339 | $46,746 |
| Sector 48-49 | 4,603 | 130 | $55,631 |
| Sector 31-33 | 4,206 | 192 | $64,639 |
| Sector 42 | 3,686 | 256 | $104,355 |
The largest sector is the biggest private employer group at 10,358 jobs, 13.6 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.
Comal County
What businesses operate in Comal County
- Establishments, all industries4,951
- Employment at those establishments65,657
- Annual payroll$3.26 bn
- Establishments per 1,000 residents26.9
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.
Comal County
What is being built in Comal County
- Housing units authorised by permit, 20243,430
- Declared construction value permitted$819.0 m
- Single family units authorised2,263
- Multifamily units authorised1,167
- Multifamily share of units34.0 percent
- Average declared value per unit$238,787
- Units authorised per 1,000 households48.1
Multifamily is 34.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Comal County
How much SBA lending happens in Comal County
- 7(a) approvals recorded277
- 7(a) gross approval dollars$144.6 m
- Average 7(a) approval$521,906
- Median 7(a) approval$234,500
- 10th percentile approval$50,000
- 90th percentile approval$1,194,300
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)2,896
- Jobs per approval10.5
- Distinct 7(a) lenders active72
- Distinct industries receiving approvals131
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer9.7 percent
- Loans on real estate terms27
- Loans on working capital terms, 120 months or shorter230
- Franchise loans58
- Franchise share of approvals20.9 percent
- Leading industry by approval countRemediation Services (10)
- Most active lenderSecurity State Bank and Trust (24)
- 504 approvals recorded63
- 504 gross approval dollars$58.5 m
- Average 504 approval$928,873
- Median 504 approval$714,000
- Distinct CDCs active7
- 504 jobs per approval11.1
- 504 jobs per million dollars approved11.9
- Most active CDCCapital Certified Development Corporation (23)
- 7(a) share of SBA approvals81.5 percent
- Combined SBA approval dollars$203.1 m
The average approval of $521,906 sits well above the median of $234,500, 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 9.7 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.
Comal County
Do SBA loans in Comal County get paid back
- Loans with a final outcome recorded33
- Paid in full30
- Charged off3
- Charge off rate on resolved loans9.1 percent
- Status: Paid in full30
- Status: Exempt from disclosure173
- Status: Charged off3
- Status: Cancelled52
- Status: Committed, not yet disbursed19
Of the 33 loans that have reached a final outcome, 9.1 percent were charged off. This is computed only over resolved loans, because a loan still running has not yet succeeded or failed and counting it either way would be wrong.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Comal County
Which parts of Comal County get the lending
- Places in the county with recorded lending11
- New Braunfels, approvals177
- SPRING BRANCH, approvals31
- BULVERDE, approvals30
- CANYON LAKE, approvals12
- SAN ANTONIO, approvals10
- BOERNE, approvals9
| Place | Approvals | Gross approval dollars |
|---|---|---|
| New Braunfels | 177 | $102,457,000 |
| SPRING BRANCH | 31 | $17,993,300 |
| BULVERDE | 30 | $11,984,400 |
| CANYON LAKE | 12 | $2,999,600 |
| SAN ANTONIO | 10 | $3,368,400 |
| BOERNE | 9 | $4,540,500 |
| San Marcos | 2 | $225,000 |
| FISCHER | 2 | $159,800 |
New Braunfels accounts for 177 approvals against 31 in SPRING BRANCH. 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.
Comal County
How big is Comal County
- Land area559 sq mi
- Rank by land area among Texas counties234th of 254
- Width, east to west38.8 mi
- Height, north to south30.6 mi
- Geographies sharing a boundary5
- Residents per square mile of land329
- Establishments per square mile8.86
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.
Comal County
What hazards affect Comal 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 NFIP8
- NFIP participation rate100.0 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 8
- Communities carrying a CRS class1
The EPA places the county in radon zone 3, a predicted average indoor radon screening level less than 2 pCi/L. The best Community Rating System class in the county is 8, which carries a flood insurance premium discount for properties in the participating community.
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 Comal 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 Comal County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population183,826
- Households71,354
- Average household size2.58
- Median household income$101,889
- Median age41.8
Common questions
Comal County questions, answered from the record.
How many people live in Comal County, Texas?
183,826, in 71,354 households, ranking 27th of 254 Texas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Comal County growing?
The population has grown 24.87 percent since the 2020 census base. In 2024 there were 1,882 births against 1,631 deaths, with net migration of 7,298. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Comal County?
$101,889. The median owner-occupied home is valued at $427,200, which is 4.2 times income, and median gross rent is $1,603 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Comal County?
4,951 establishments, employing 65,657 people with an annual payroll of $3.26 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in Comal County?
Average annual pay is $58,057, or $1,116 a week, across 76,434 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Comal County?
277 7(a) approvals totalling $144.6 m since FY2020, across 72 lenders, with a median approval of $234,500, plus 63 504 approvals worth $58.5 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Comal County get paid back?
Of the 33 loans that have reached a final outcome, 30 were paid in full and 3 charged off, a charge off rate of 9.1 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Comal County?
3,430 housing units were authorised by permit in 2024, with a declared construction value of $819.0 m. Multifamily was 34.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Comal 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 Comal County come from?
The largest single origin is Comal County Non-migrants, with 63,184 households. Arriving households report an average income of $113,849 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 Comal 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 Comal 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.