Franklin County, Texas: commercial real estate data.
Franklin County, Texas has a population of 10,632 across 284 square miles, up 5.4 percent since the 2020 census base. County output reached $657.9 m in 2024, 189 establishments operate here, and the SBA record carries 4 7(a) approvals worth $3.9 m.
117 sourced county values · tier FULL · 12 sections
Franklin County
How many people live in Franklin County
- Population10,632
- Households3,897
- Average household size2.73
- Median household income$72,360
- Median age43.2
- Median gross rent$936 per month
- Median owner-occupied home value$226,300
- Home value to household income3.1 times
- Annual rent as a share of median income15.5 percent
- Adults 25 and over with a bachelor degree or higher27.8 percent
- Adults 25 and over with a graduate degree9.8 percent
- Adults 25 and over7,459
- Population under 182,374
- Share under 1822.3 percent
- Population 65 and over2,375
- Share 65 and over22.3 percent
- Working age population, 18 to 645,883
- Civilian labor force4,966
- Unemployment rate4.4 percent
- Labor force participation, adults 18 and over60.1 percent
- Rank by population among Texas counties160th of 254
- Rank by population among US county-equivalents2444th
Franklin County is the 160th largest of 254 Texas counties by population. A median home costs 3.1 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 22.3 percent against 22.3 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Franklin County
Is Franklin County growing
- Population change since the 2020 census base5.38 percent
- Census 2020 base population10,355
- Births, 2024108
- Deaths, 2024132
- Natural change, 2024-24
- Net domestic migration, 2024134
- Net international migration, 202469
- Total net migration, 2024203
- Cumulative net domestic migration, 2021 to 2024519
- Rank by growth among US county-equivalents487th
The county has grown 5.38 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.
Franklin County
Where people moving to Franklin County come from
- Tax returns filed by households arriving431
- People arriving, from those returns813
- Adjusted gross income arriving$26.7 m
- Net adjusted gross income movement$0
- Average income of an arriving household$61,893
- Largest single originFranklin County Non-migrants (3,504 households)
- Largest single destination (3,504 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Franklin County Non-migrants | 3,504 | 7,528 | $283.1 m |
| Other flows - Same State | 160 | 297 | $11.4 m |
| Other flows - Different State | 67 | 114 | $4.0 m |
| Titus County | 58 | 112 | $2.5 m |
| Wood County | 50 | 99 | $2.1 m |
| Other flows - South | 38 | 61 | $2.1 m |
| Hopkins County | 29 | 61 | $1.6 m |
| Other flows - West | 29 | 53 | $1.9 m |
The largest single source of arrivals is Franklin 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.
Franklin County
What the Franklin County economy runs on
- County GDP, 2024$657.9 m
- County GDP, 2023$605.9 m
- GDP change, 2023 to 20248.6 percent
- GDP change over five years73.8 percent
- Rank by GDP among Texas counties176th
- Rank by GDP among US county-equivalents2202nd
- GDP per resident$61,877
Output grew 8.6 percent in the latest year and 73.8 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.
Franklin County
Who employs people in Franklin County
- Covered employment, annual average3,645
- Establishments reporting488
- Average annual pay$53,197
- Average weekly wage$1,023
- Sector 62, employment897
- Sector 62, average annual pay$77,207
- Sector 48-49, employment878
- Sector 48-49, average annual pay$53,747
- Sector 44-45, employment267
- Sector 44-45, average annual pay$31,050
- Sector 23, employment186
- Sector 23, average annual pay$43,449
- Sector 54, employment162
- Sector 81, employment132
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 897 | 266 | $77,207 |
| Sector 48-49 | 878 | 11 | $53,747 |
| Sector 44-45 | 267 | 17 | $31,050 |
| Sector 23 | 186 | 30 | $43,449 |
| Sector 54 | 162 | 22 | $77,574 |
| Sector 81 | 132 | 22 | $27,510 |
| Sector 31-33 | 96 | 8 | $41,032 |
| Sector 52 | 48 | 11 | $58,928 |
The largest sector is the biggest private employer group at 897 jobs, 24.6 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.
Franklin County
What businesses operate in Franklin County
- Establishments, all industries189
- Employment at those establishments6,208
- Annual payroll$137.5 m
- Establishments per 1,000 residents17.8
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.
Franklin County
What is being built in Franklin County
- Housing units authorised by permit, 20240
- Declared construction value permitted$0
- Single family units authorised0
- Multifamily units authorised0
No residential units were authorised by permit in 2024. In a small county this is common and is not by itself a sign of distress, but it does mean there is no recent residential pipeline to read demand from.
US Census Bureau, Building Permits Survey, 2024 annual.
Franklin County
How much SBA lending happens in Franklin County
- 7(a) approvals recorded4
- 7(a) gross approval dollars$3.9 m
- Average 7(a) approval$963,750
- Median 7(a) approval$1,165,000
- 10th percentile approval$150,000
- 90th percentile approval$2,250,000
- Largest single approval$2,250,000
- Jobs reported supported, 7(a)20
- Jobs per approval5.0
- Distinct 7(a) lenders active3
- Distinct industries receiving approvals3
- Median 7(a) term249 months
- Share of loans on real estate terms, 240 months or longer50.0 percent
- Loans on real estate terms2
- Loans on working capital terms, 120 months or shorter1
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countBroilers and Other Meat Type Chicken Production (2)
- Most active lenderLive Oak Banking Company (2)
- 504 approvals recorded1
- 504 gross approval dollars$239,000
- Average 504 approval$239,000
- Median 504 approval$239,000
- Distinct CDCs active1
- 504 jobs per approval1.0
- 504 jobs per million dollars approved4.2
- Most active CDCGreater East Texas Certified Development Company (1)
- 7(a) share of SBA approvals80.0 percent
- Combined SBA approval dollars$4.1 m
The average approval of $963,750 sits close to the median of $1,165,000, so lending here is fairly evenly sized rather than driven by a few large deals. 50.0 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.
Franklin County
Do SBA loans in Franklin County get paid back
- Loans with a final outcome recorded1
- Paid in full1
- Charged off0
- Status: Exempt from disclosure3
- Status: Paid in full1
Too few loans have reached a final outcome to publish a charge off rate. only 1 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.
Franklin County
Which parts of Franklin County get the lending
- Places in the county with recorded lending2
- MOUNT VERNON, approvals2
- SCROGGINS, approvals2
| Place | Approvals | Gross approval dollars |
|---|---|---|
| MOUNT VERNON | 2 | $2,540,000 |
| SCROGGINS | 2 | $1,315,000 |
MOUNT VERNON accounts for 2 approvals against 2 in SCROGGINS. 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.
Franklin County
How big is Franklin County
- Land area284 sq mi
- Rank by land area among Texas counties246th of 254
- Width, east to west10.6 mi
- Height, north to south29.5 mi
- Geographies sharing a boundary6
- Residents per square mile of land37
- Establishments per square mile0.67
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.
Franklin County
What hazards affect Franklin County
- EPA radon zone predicted average indoor radon screening level less than 2 pCi/LZone 3
- Communities in the NFIP Community Status Book2
- Of those, participating in the NFIP2
- 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 Franklin 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 Franklin County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population10,632
- Households3,897
- Average household size2.73
- Median household income$72,360
- Median age43.2
Common questions
Franklin County questions, answered from the record.
How many people live in Franklin County, Texas?
10,632, in 3,897 households, ranking 160th of 254 Texas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Franklin County growing?
The population has grown 5.38 percent since the 2020 census base. In 2024 there were 108 births against 132 deaths, with net migration of 203. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Franklin County?
$72,360. The median owner-occupied home is valued at $226,300, which is 3.1 times income, and median gross rent is $936 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Franklin County?
189 establishments, employing 6,208 people with an annual payroll of $137.5 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 Franklin County?
Average annual pay is $53,197, or $1,023 a week, across 3,645 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Franklin County?
4 7(a) approvals totalling $3.9 m since FY2020, across 3 lenders, with a median approval of $1,165,000, plus 1 504 approvals worth $239,000. These are approvals recorded in the release, not loans disbursed.
What is being built in Franklin County?
No residential units were authorised by permit in 2024. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Franklin 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 Franklin County come from?
The largest single origin is Franklin County Non-migrants, with 3,504 households. Arriving households report an average income of $61,893 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 Franklin 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 Franklin 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.