Ellis County, Texas: commercial real estate data.
Ellis County, Texas has a population of 213,160 across 935 square miles, up 20.8 percent since the 2020 census base. County output reached $10.77 bn in 2024, 3,808 establishments operate here, and the SBA record carries 208 7(a) approvals worth $144.6 m.
129 sourced county values · tier FULL · 12 sections
Ellis County
How many people live in Ellis County
- Population213,160
- Households71,759
- Average household size2.97
- Median household income$99,595
- Median age36.3
- Median gross rent$1,594 per month
- Median owner-occupied home value$348,600
- Home value to household income3.5 times
- Annual rent as a share of median income19.2 percent
- Adults 25 and over with a bachelor degree or higher30.1 percent
- Adults 25 and over with a graduate degree10.2 percent
- Adults 25 and over138,018
- Population under 1856,170
- Share under 1826.4 percent
- Population 65 and over27,788
- Share 65 and over13.0 percent
- Working age population, 18 to 64129,202
- Civilian labor force111,446
- Unemployment rate4.5 percent
- Labor force participation, adults 18 and over71.0 percent
- Rank by population among Texas counties25th of 254
- Rank by population among US county-equivalents326th
Ellis County is the 25th largest of 254 Texas counties by population. A median home costs 3.5 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 26.4 percent against 13.0 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Ellis County
Is Ellis County growing
- Population change since the 2020 census base20.75 percent
- Census 2020 base population192,451
- Births, 20242,833
- Deaths, 20241,657
- Natural change, 20241,176
- Net domestic migration, 20247,364
- Net international migration, 2024564
- Total net migration, 20247,928
- Cumulative net domestic migration, 2021 to 202432,627
- Rank by growth among US county-equivalents15th
The county has grown 20.75 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.
Ellis County
Where people moving to Ellis County come from
- Tax returns filed by households arriving8,911
- People arriving, from those returns18,577
- Adjusted gross income arriving$651.0 m
- Net adjusted gross income movement$0
- Average income of an arriving household$73,060
- Largest single originEllis County Non-migrants (71,018 households)
- Largest single destination (71,018 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Ellis County Non-migrants | 71,018 | 158,381 | $6.13 bn |
| Dallas County | 3,145 | 6,593 | $213.1 m |
| Tarrant County | 1,579 | 3,335 | $121.6 m |
| Other flows - Different State | 1,500 | 3,204 | $122.3 m |
| Other flows - South | 639 | 1,295 | $44.7 m |
| Other flows - Same State | 537 | 1,063 | $33.5 m |
| Other flows - West | 427 | 996 | $43.2 m |
| Other flows - Midwest | 290 | 613 | $23.3 m |
The largest single source of arrivals is Ellis 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.
Ellis County
What the Ellis County economy runs on
- County GDP, 2024$10.77 bn
- County GDP, 2023$9.96 bn
- GDP change, 2023 to 20248.1 percent
- GDP change over five years59.9 percent
- Rank by GDP among Texas counties33rd
- Rank by GDP among US county-equivalents416th
- GDP per resident$50,518
Output grew 8.1 percent in the latest year and 59.9 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.
Ellis County
Who employs people in Ellis County
- Covered employment, annual average62,721
- Establishments reporting3,919
- Average annual pay$57,911
- Average weekly wage$1,114
- Sector 31-33, employment10,327
- Sector 31-33, average annual pay$80,045
- Sector 44-45, employment7,316
- Sector 44-45, average annual pay$37,723
- Sector 72, employment6,829
- Sector 72, average annual pay$22,458
- Sector 62, employment5,766
- Sector 62, average annual pay$53,677
- Sector 23, employment5,291
- Sector 48-49, employment4,207
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 10,327 | 212 | $80,045 |
| Sector 44-45 | 7,316 | 416 | $37,723 |
| Sector 72 | 6,829 | 330 | $22,458 |
| Sector 62 | 5,766 | 391 | $53,677 |
| Sector 23 | 5,291 | 510 | $70,262 |
| Sector 48-49 | 4,207 | 156 | $61,432 |
| Sector 56 | 2,910 | 213 | $49,227 |
| Sector 42 | 2,149 | 202 | $80,451 |
The largest sector is the biggest private employer group at 10,327 jobs, 16.5 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.
Ellis County
What businesses operate in Ellis County
- Establishments, all industries3,808
- Employment at those establishments53,171
- Annual payroll$2.64 bn
- Establishments per 1,000 residents17.9
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.
Ellis County
What is being built in Ellis County
- Housing units authorised by permit, 20242,972
- Declared construction value permitted$797.4 m
- Single family units authorised2,854
- Multifamily units authorised118
- Multifamily share of units4.0 percent
- Average declared value per unit$268,301
- Units authorised per 1,000 households41.4
Multifamily is 4.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Ellis County
How much SBA lending happens in Ellis County
- 7(a) approvals recorded208
- 7(a) gross approval dollars$144.6 m
- Average 7(a) approval$695,083
- Median 7(a) approval$318,300
- 10th percentile approval$30,000
- 90th percentile approval$1,954,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)2,198
- Jobs per approval10.6
- Distinct 7(a) lenders active81
- Distinct industries receiving approvals106
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer24.5 percent
- Loans on real estate terms51
- Loans on working capital terms, 120 months or shorter138
- Franchise loans40
- Franchise share of approvals19.2 percent
- Leading industry by approval countFull-Service Restaurants (11)
- Most active lenderThe Huntington National Bank (13)
- 504 approvals recorded23
- 504 gross approval dollars$25.7 m
- Average 504 approval$1,117,870
- Median 504 approval$744,000
- Distinct CDCs active6
- 504 jobs per approval15.7
- 504 jobs per million dollars approved14.1
- Most active CDCNorth Texas Certified Development Corporation (8)
- 7(a) share of SBA approvals90.0 percent
- Combined SBA approval dollars$170.3 m
The average approval of $695,083 sits well above the median of $318,300, 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 24.5 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.
Ellis County
Do SBA loans in Ellis County get paid back
- Loans with a final outcome recorded35
- Paid in full30
- Charged off5
- Charge off rate on resolved loans14.3 percent
- Status: Cancelled27
- Status: Paid in full30
- Status: Charged off5
- Status: Exempt from disclosure130
- Status: Committed, not yet disbursed16
Of the 35 loans that have reached a final outcome, 14.3 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.
Ellis County
Which parts of Ellis County get the lending
- Places in the county with recorded lending11
- WAXAHACHIE, approvals77
- MIDLOTHIAN, approvals54
- RED OAK, approvals32
- ENNIS, approvals30
- GLENN HEIGHTS, approvals6
- Palmer, approvals3
| Place | Approvals | Gross approval dollars |
|---|---|---|
| WAXAHACHIE | 77 | $51,285,600 |
| MIDLOTHIAN | 54 | $34,292,000 |
| RED OAK | 32 | $27,404,600 |
| ENNIS | 30 | $27,765,800 |
| GLENN HEIGHTS | 6 | $930,000 |
| Palmer | 3 | $578,300 |
| Italy | 2 | $1,737,200 |
| Mansfield | 1 | $435,000 |
WAXAHACHIE accounts for 77 approvals against 54 in MIDLOTHIAN. 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.
Ellis County
How big is Ellis County
- Land area935 sq mi
- Rank by land area among Texas counties92nd of 254
- Width, east to west41.1 mi
- Height, north to south34.3 mi
- Geographies sharing a boundary7
- Residents per square mile of land228
- Establishments per square mile4.07
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.
Ellis County
What hazards affect Ellis County
- EPA radon zone predicted average indoor radon screening level less than 2 pCi/LZone 3
- Communities in the NFIP Community Status Book20
- Of those, participating in the NFIP19
- NFIP participation rate95.0 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 4
- 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 4, 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 Ellis 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 Ellis County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population213,160
- Households71,759
- Average household size2.97
- Median household income$99,595
- Median age36.3
Common questions
Ellis County questions, answered from the record.
How many people live in Ellis County, Texas?
213,160, in 71,759 households, ranking 25th of 254 Texas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Ellis County growing?
The population has grown 20.75 percent since the 2020 census base. In 2024 there were 2,833 births against 1,657 deaths, with net migration of 7,928. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Ellis County?
$99,595. The median owner-occupied home is valued at $348,600, which is 3.5 times income, and median gross rent is $1,594 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Ellis County?
3,808 establishments, employing 53,171 people with an annual payroll of $2.64 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 Ellis County?
Average annual pay is $57,911, or $1,114 a week, across 62,721 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Ellis County?
208 7(a) approvals totalling $144.6 m since FY2020, across 81 lenders, with a median approval of $318,300, plus 23 504 approvals worth $25.7 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Ellis County get paid back?
Of the 35 loans that have reached a final outcome, 30 were paid in full and 5 charged off, a charge off rate of 14.3 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Ellis County?
2,972 housing units were authorised by permit in 2024, with a declared construction value of $797.4 m. Multifamily was 4.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Ellis 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 Ellis County come from?
The largest single origin is Ellis County Non-migrants, with 71,018 households. Arriving households report an average income of $73,060 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 Ellis 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 Ellis 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.