Erath County, Texas: commercial real estate data.
Erath County, Texas has a population of 43,794 across 1,083 square miles, up 4.6 percent since the 2020 census base. County output reached $2.49 bn in 2024, 1,116 establishments operate here, and the SBA record carries 44 7(a) approvals worth $33.2 m.
127 sourced county values · tier FULL · 12 sections
Erath County
How many people live in Erath County
- Population43,794
- Households16,816
- Average household size2.60
- Median household income$65,115
- Median age32.0
- Median gross rent$1,146 per month
- Median owner-occupied home value$269,100
- Home value to household income4.1 times
- Annual rent as a share of median income21.1 percent
- Adults 25 and over with a bachelor degree or higher32.0 percent
- Adults 25 and over with a graduate degree11.8 percent
- Adults 25 and over25,895
- Population under 189,073
- Share under 1820.7 percent
- Population 65 and over6,497
- Share 65 and over14.8 percent
- Working age population, 18 to 6428,224
- Civilian labor force22,731
- Unemployment rate5.7 percent
- Labor force participation, adults 18 and over65.5 percent
- Rank by population among Texas counties77th of 254
- Rank by population among US county-equivalents1123rd
Erath County is the 77th largest of 254 Texas counties by population. A median home costs 4.1 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 20.7 percent against 14.8 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Erath County
Is Erath County growing
- Population change since the 2020 census base4.59 percent
- Census 2020 base population42,543
- Births, 2024521
- Deaths, 2024392
- Natural change, 2024129
- Net domestic migration, 2024-141
- Net international migration, 202468
- Total net migration, 2024-73
- Cumulative net domestic migration, 2021 to 20241,219
- Rank by growth among US county-equivalents596th
The county has grown 4.59 percent since the 2020 census base. Births exceeded deaths in 2024 but more people left than arrived, so the population is being sustained internally rather than attracting.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Erath County
Where people moving to Erath County come from
- Tax returns filed by households arriving1,441
- People arriving, from those returns2,648
- Adjusted gross income arriving$100.0 m
- Net adjusted gross income movement$0
- Average income of an arriving household$69,414
- Largest single originErath County Non-migrants (12,733 households)
- Largest single destination (12,733 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Erath County Non-migrants | 12,733 | 27,011 | $993.1 m |
| Other flows - Same State | 430 | 730 | $25.7 m |
| Other flows - Different State | 397 | 729 | $31.0 m |
| Other flows - West | 208 | 392 | $19.1 m |
| Tarrant County | 126 | 239 | $8.5 m |
| Other flows - South | 101 | 181 | $6.2 m |
| Hood County | 99 | 206 | $8.2 m |
| Parker County | 70 | 134 | $4.7 m |
The largest single source of arrivals is Erath 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.
Erath County
What the Erath County economy runs on
- County GDP, 2024$2.49 bn
- County GDP, 2023$2.28 bn
- GDP change, 2023 to 20249.3 percent
- GDP change over five years47.0 percent
- Rank by GDP among Texas counties93rd
- Rank by GDP among US county-equivalents1107th
- GDP per resident$56,790
Output grew 9.3 percent in the latest year and 47.0 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.
Erath County
Who employs people in Erath County
- Covered employment, annual average18,590
- Establishments reporting1,279
- Average annual pay$47,473
- Average weekly wage$913
- Sector 31-33, employment2,337
- Sector 31-33, average annual pay$58,053
- Sector 72, employment2,266
- Sector 72, average annual pay$20,480
- Sector 44-45, employment2,097
- Sector 44-45, average annual pay$34,808
- Sector 62, employment1,573
- Sector 62, average annual pay$57,500
- Sector 23, employment1,154
- Sector 11, employment916
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 2,337 | 60 | $58,053 |
| Sector 72 | 2,266 | 109 | $20,480 |
| Sector 44-45 | 2,097 | 147 | $34,808 |
| Sector 62 | 1,573 | 110 | $57,500 |
| Sector 23 | 1,154 | 138 | $64,048 |
| Sector 11 | 916 | 97 | $46,019 |
| Sector 81 | 573 | 82 | $46,846 |
| Sector 48-49 | 483 | 32 | $69,007 |
The largest sector is the biggest private employer group at 2,337 jobs, 12.6 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.
Erath County
What businesses operate in Erath County
- Establishments, all industries1,116
- Employment at those establishments13,376
- Annual payroll$609.4 m
- Establishments per 1,000 residents25.5
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.
Erath County
What is being built in Erath County
- Housing units authorised by permit, 2024110
- Declared construction value permitted$17.5 m
- Single family units authorised27
- Multifamily units authorised83
- Multifamily share of units75.5 percent
- Average declared value per unit$159,018
- Units authorised per 1,000 households6.5
Multifamily is 75.5 percent of units authorised, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Erath County
How much SBA lending happens in Erath County
- 7(a) approvals recorded44
- 7(a) gross approval dollars$33.2 m
- Average 7(a) approval$754,618
- Median 7(a) approval$521,400
- 10th percentile approval$100,000
- 90th percentile approval$1,945,000
- Largest single approval$3,270,000
- Jobs reported supported, 7(a)460
- Jobs per approval10.5
- Distinct 7(a) lenders active23
- Distinct industries receiving approvals26
- Median 7(a) term186 months
- Share of loans on real estate terms, 240 months or longer43.2 percent
- Loans on real estate terms19
- Loans on working capital terms, 120 months or shorter21
- Franchise loans10
- Franchise share of approvals22.7 percent
- Leading industry by approval countGasoline Stations with Convenience Stores (6)
- Most active lenderTexasBank (11)
- 504 approvals recorded9
- 504 gross approval dollars$3.3 m
- Average 504 approval$368,111
- Median 504 approval$342,000
- Distinct CDCs active4
- 504 jobs per approval6.2
- 504 jobs per million dollars approved16.9
- Most active CDCTexas Panhandle Regional Development Corporation (4)
- 7(a) share of SBA approvals83.0 percent
- Combined SBA approval dollars$36.5 m
The average approval of $754,618 sits well above the median of $521,400, 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. 43.2 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.
Erath County
Do SBA loans in Erath County get paid back
- Loans with a final outcome recorded10
- Paid in full10
- Charged off0
- Charge off rate on resolved loans0.0 percent
- Status: Paid in full10
- Status: Exempt from disclosure28
- Status: Cancelled4
- Status: Committed, not yet disbursed2
Of the 10 loans that have reached a final outcome, 0.0 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.
Erath County
Which parts of Erath County get the lending
- Places in the county with recorded lending6
- STEPHENVILLE, approvals32
- DUBLIN, approvals6
- BLUFF DALE, approvals3
- Stephensville, approvals1
- MINGUS, approvals1
- GORDON, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| STEPHENVILLE | 32 | $24,440,900 |
| DUBLIN | 6 | $6,282,300 |
| BLUFF DALE | 3 | $550,000 |
| Stephensville | 1 | $830,000 |
| MINGUS | 1 | $1,000,000 |
| GORDON | 1 | $100,000 |
STEPHENVILLE accounts for 32 approvals against 6 in DUBLIN. 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.
Erath County
How big is Erath County
- Land area1,083 sq mi
- Rank by land area among Texas counties52nd of 254
- Width, east to west40.2 mi
- Height, north to south41.1 mi
- Geographies sharing a boundary7
- Residents per square mile of land40
- Establishments per square mile1.03
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.
Erath County
What hazards affect Erath County
- EPA radon zone predicted average indoor radon screening level less than 2 pCi/LZone 3
- Communities in the NFIP Community Status Book3
- Of those, participating in the NFIP3
- NFIP participation rate100.0 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 Erath 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 Erath County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population43,794
- Households16,816
- Average household size2.60
- Median household income$65,115
- Median age32.0
Common questions
Erath County questions, answered from the record.
How many people live in Erath County, Texas?
43,794, in 16,816 households, ranking 77th of 254 Texas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Erath County growing?
The population has grown 4.59 percent since the 2020 census base. In 2024 there were 521 births against 392 deaths, with net migration of -73. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Erath County?
$65,115. The median owner-occupied home is valued at $269,100, which is 4.1 times income, and median gross rent is $1,146 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Erath County?
1,116 establishments, employing 13,376 people with an annual payroll of $609.4 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 Erath County?
Average annual pay is $47,473, or $913 a week, across 18,590 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Erath County?
44 7(a) approvals totalling $33.2 m since FY2020, across 23 lenders, with a median approval of $521,400, plus 9 504 approvals worth $3.3 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Erath County get paid back?
Of the 10 loans that have reached a final outcome, 10 were paid in full and 0 charged off, a charge off rate of 0.0 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Erath County?
110 housing units were authorised by permit in 2024, with a declared construction value of $17.5 m. Multifamily was 75.5 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Erath 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 Erath County come from?
The largest single origin is Erath County Non-migrants, with 12,733 households. Arriving households report an average income of $69,414 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 Erath 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 Erath 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.