Fannin County, Texas: commercial real estate data.
Fannin County, Texas has a population of 37,326 across 891 square miles, up 7.8 percent since the 2020 census base. County output reached $1.54 bn in 2024, 530 establishments operate here, and the SBA record carries 30 7(a) approvals worth $31.2 m.
126 sourced county values · tier FULL · 12 sections
Fannin County
How many people live in Fannin County
- Population37,326
- Households12,767
- Average household size2.92
- Median household income$72,295
- Median age41.0
- Median gross rent$1,035 per month
- Median owner-occupied home value$233,700
- Home value to household income3.2 times
- Annual rent as a share of median income17.2 percent
- Adults 25 and over with a bachelor degree or higher19.5 percent
- Adults 25 and over with a graduate degree6.6 percent
- Adults 25 and over26,524
- Population under 187,868
- Share under 1821.1 percent
- Population 65 and over6,767
- Share 65 and over18.1 percent
- Working age population, 18 to 6422,691
- Civilian labor force16,791
- Unemployment rate5.0 percent
- Labor force participation, adults 18 and over57.0 percent
- Rank by population among Texas counties85th of 254
- Rank by population among US county-equivalents1274th
Fannin County is the 85th largest of 254 Texas counties by population. A median home costs 3.2 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 21.1 percent against 18.1 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Fannin County
Is Fannin County growing
- Population change since the 2020 census base7.85 percent
- Census 2020 base population35,837
- Births, 2024376
- Deaths, 2024499
- Natural change, 2024-123
- Net domestic migration, 2024895
- Net international migration, 202418
- Total net migration, 2024913
- Cumulative net domestic migration, 2021 to 20243,380
- Rank by growth among US county-equivalents248th
The county has grown 7.85 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.
Fannin County
Where people moving to Fannin County come from
- Tax returns filed by households arriving1,304
- People arriving, from those returns2,609
- Adjusted gross income arriving$122.8 m
- Net adjusted gross income movement$0
- Average income of an arriving household$94,189
- Largest single originFannin County Non-migrants (11,482 households)
- Largest single destination (11,482 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Fannin County Non-migrants | 11,482 | 24,555 | $810.8 m |
| Collin County | 292 | 619 | $25.5 m |
| Other flows - Different State | 227 | 460 | $13.1 m |
| Grayson County | 226 | 445 | $11.4 m |
| Other flows - Same State | 201 | 358 | $7.1 m |
| Dallas County | 123 | 231 | $6.6 m |
| Other flows - West | 110 | 221 | $6.9 m |
| Other flows - South | 91 | 186 | $5.2 m |
The largest single source of arrivals is Fannin 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.
Fannin County
What the Fannin County economy runs on
- County GDP, 2024$1.54 bn
- County GDP, 2023$1.42 bn
- GDP change, 2023 to 20248.8 percent
- GDP change over five years51.1 percent
- Rank by GDP among Texas counties124th
- Rank by GDP among US county-equivalents1496th
- GDP per resident$41,324
Output grew 8.8 percent in the latest year and 51.1 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.
Fannin County
Who employs people in Fannin County
- Covered employment, annual average8,689
- Establishments reporting635
- Average annual pay$55,486
- Average weekly wage$1,067
- Sector 44-45, employment987
- Sector 44-45, average annual pay$32,520
- Sector 31-33, employment946
- Sector 31-33, average annual pay$67,583
- Sector 62, employment842
- Sector 62, average annual pay$48,848
- Sector 23, employment820
- Sector 23, average annual pay$59,904
- Sector 72, employment716
- Sector 56, employment313
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 987 | 82 | $32,520 |
| Sector 31-33 | 946 | 37 | $67,583 |
| Sector 62 | 842 | 49 | $48,848 |
| Sector 23 | 820 | 73 | $59,904 |
| Sector 72 | 716 | 46 | $19,270 |
| Sector 56 | 313 | 26 | $97,995 |
| Sector 42 | 239 | 18 | $79,720 |
| Sector 52 | 209 | 43 | $62,166 |
The largest sector is the biggest private employer group at 987 jobs, 11.4 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.
Fannin County
What businesses operate in Fannin County
- Establishments, all industries530
- Employment at those establishments5,892
- Annual payroll$270.1 m
- Establishments per 1,000 residents14.2
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.
Fannin County
What is being built in Fannin County
- Housing units authorised by permit, 2024109
- Declared construction value permitted$25.5 m
- Single family units authorised95
- Multifamily units authorised14
- Multifamily share of units12.8 percent
- Average declared value per unit$234,380
- Units authorised per 1,000 households8.5
Multifamily is 12.8 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Fannin County
How much SBA lending happens in Fannin County
- 7(a) approvals recorded30
- 7(a) gross approval dollars$31.2 m
- Average 7(a) approval$1,041,590
- Median 7(a) approval$500,000
- 10th percentile approval$150,000
- 90th percentile approval$3,334,000
- Largest single approval$4,900,000
- Jobs reported supported, 7(a)443
- Jobs per approval14.8
- Distinct 7(a) lenders active20
- Distinct industries receiving approvals24
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer36.7 percent
- Loans on real estate terms11
- Loans on working capital terms, 120 months or shorter17
- Franchise loans3
- Franchise share of approvals10.0 percent
- Leading industry by approval countSnack and Nonalcoholic Beverage Bars (2)
- Most active lenderLive Oak Banking Company (4)
- 504 approvals recorded6
- 504 gross approval dollars$6.4 m
- Average 504 approval$1,069,500
- Median 504 approval$880,000
- Distinct CDCs active4
- 504 jobs per approval18.5
- 504 jobs per million dollars approved17.3
- Most active CDCGreater East Texas Certified Development Company (3)
- 7(a) share of SBA approvals83.3 percent
- Combined SBA approval dollars$37.7 m
The average approval of $1,041,590 sits well above the median of $500,000, 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. 36.7 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.
Fannin County
Do SBA loans in Fannin County get paid back
- Loans with a final outcome recorded3
- Paid in full3
- Charged off0
- Status: Exempt from disclosure21
- Status: Paid in full3
- Status: Cancelled5
- Status: Committed, not yet disbursed1
Too few loans have reached a final outcome to publish a charge off rate. only 3 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.
Fannin County
Which parts of Fannin County get the lending
- Places in the county with recorded lending10
- BONHAM, approvals14
- LEONARD, approvals4
- TRENTON, approvals3
- HONEY GROVE, approvals2
- Sherman, approvals2
- IVANHOE, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| BONHAM | 14 | $16,306,200 |
| LEONARD | 4 | $1,543,200 |
| TRENTON | 3 | $3,333,400 |
| HONEY GROVE | 2 | $1,430,000 |
| Sherman | 2 | $600,000 |
| IVANHOE | 1 | $631,900 |
| DODD CITY | 1 | $853,000 |
| TELEPHONE | 1 | $4,900,000 |
BONHAM accounts for 14 approvals against 4 in LEONARD. 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.
Fannin County
How big is Fannin County
- Land area891 sq mi
- Rank by land area among Texas counties160th of 254
- Width, east to west31 mi
- Height, north to south35.7 mi
- Geographies sharing a boundary5
- Residents per square mile of land42
- Establishments per square mile0.59
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.
Fannin County
What hazards affect Fannin County
- EPA radon zone predicted average indoor radon screening level less than 2 pCi/LZone 3
- Communities in the NFIP Community Status Book12
- Of those, participating in the NFIP11
- NFIP participation rate91.7 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 Fannin 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 Fannin County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population37,326
- Households12,767
- Average household size2.92
- Median household income$72,295
- Median age41.0
Common questions
Fannin County questions, answered from the record.
How many people live in Fannin County, Texas?
37,326, in 12,767 households, ranking 85th of 254 Texas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Fannin County growing?
The population has grown 7.85 percent since the 2020 census base. In 2024 there were 376 births against 499 deaths, with net migration of 913. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Fannin County?
$72,295. The median owner-occupied home is valued at $233,700, which is 3.2 times income, and median gross rent is $1,035 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Fannin County?
530 establishments, employing 5,892 people with an annual payroll of $270.1 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 Fannin County?
Average annual pay is $55,486, or $1,067 a week, across 8,689 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Fannin County?
30 7(a) approvals totalling $31.2 m since FY2020, across 20 lenders, with a median approval of $500,000, plus 6 504 approvals worth $6.4 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Fannin County?
109 housing units were authorised by permit in 2024, with a declared construction value of $25.5 m. Multifamily was 12.8 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Fannin 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 Fannin County come from?
The largest single origin is Fannin County Non-migrants, with 11,482 households. Arriving households report an average income of $94,189 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 Fannin 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 Fannin 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.