Frio County, Texas: commercial real estate data.
Frio County, Texas has a population of 18,582 across 1,134 square miles, up 6.1 percent since the 2020 census base. County output reached $1.48 bn in 2024, 295 establishments operate here, and the SBA record carries 9 7(a) approvals worth $15.2 m.
121 sourced county values · tier FULL · 12 sections
Frio County
How many people live in Frio County
- Population18,582
- Households5,437
- Average household size3.42
- Median household income$66,010
- Median age32.3
- Median gross rent$1,016 per month
- Median owner-occupied home value$107,700
- Home value to household income1.6 times
- Annual rent as a share of median income18.5 percent
- Adults 25 and over with a bachelor degree or higher11.9 percent
- Adults 25 and over with a graduate degree3.2 percent
- Adults 25 and over11,793
- Population under 184,586
- Share under 1824.7 percent
- Population 65 and over2,302
- Share 65 and over12.4 percent
- Working age population, 18 to 6411,694
- Civilian labor force7,671
- Unemployment rate5.6 percent
- Labor force participation, adults 18 and over54.8 percent
- Rank by population among Texas counties129th of 254
- Rank by population among US county-equivalents1957th
Frio County is the 129th largest of 254 Texas counties by population. A median home costs 1.6 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 24.7 percent against 12.4 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Frio County
Is Frio County growing
- Population change since the 2020 census base6.14 percent
- Census 2020 base population18,391
- Births, 2024211
- Deaths, 2024182
- Natural change, 202429
- Net domestic migration, 202430
- Net international migration, 2024650
- Total net migration, 2024680
- Cumulative net domestic migration, 2021 to 2024-467
- Rank by growth among US county-equivalents391st
The county has grown 6.14 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.
Frio County
Where people moving to Frio County come from
- Tax returns filed by households arriving304
- People arriving, from those returns593
- Adjusted gross income arriving$12.1 m
- Net adjusted gross income movement$0
- Average income of an arriving household$39,957
- Largest single originFrio County Non-migrants (5,192 households)
- Largest single destination (5,192 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Frio County Non-migrants | 5,192 | 11,152 | $264.9 m |
| Other flows - Same State | 139 | 258 | $5.1 m |
| Bexar County | 106 | 208 | $4.7 m |
| Medina County | 37 | 85 | $1.4 m |
| Other flows - Different State | 22 | 42 | $854,000 |
| Other flows - South | 22 | 42 | $854,000 |
The largest single source of arrivals is Frio 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.
Frio County
What the Frio County economy runs on
- County GDP, 2024$1.48 bn
- County GDP, 2023$1.52 bn
- GDP change, 2023 to 2024-2.5 percent
- GDP change over five years62.7 percent
- Rank by GDP among Texas counties128th
- Rank by GDP among US county-equivalents1525th
- GDP per resident$79,662
Output grew -2.5 percent in the latest year and 62.7 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.
Frio County
Who employs people in Frio County
- Covered employment, annual average6,505
- Establishments reporting396
- Average annual pay$62,009
- Average weekly wage$1,192
- Sector 21, employment1,161
- Sector 21, average annual pay$93,343
- Sector 44-45, employment628
- Sector 44-45, average annual pay$37,789
- Sector 23, employment294
- Sector 23, average annual pay$83,198
- Sector 48-49, employment258
- Sector 48-49, average annual pay$73,139
- Sector 11, employment243
- Sector 42, employment164
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 21 | 1,161 | 29 | $93,343 |
| Sector 44-45 | 628 | 44 | $37,789 |
| Sector 23 | 294 | 24 | $83,198 |
| Sector 48-49 | 258 | 25 | $73,139 |
| Sector 11 | 243 | 55 | $47,465 |
| Sector 42 | 164 | 20 | $82,320 |
| Sector 52 | 97 | 17 | $80,817 |
| Sector 53 | 96 | 8 | $65,103 |
The largest sector is the biggest private employer group at 1,161 jobs, 17.8 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.
Frio County
What businesses operate in Frio County
- Establishments, all industries295
- Employment at those establishments4,949
- Annual payroll$256.9 m
- Establishments per 1,000 residents15.9
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.
Frio County
What is being built in Frio County
- Housing units authorised by permit, 202413
- Declared construction value permitted$1.7 m
- Single family units authorised13
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$130,390
- Units authorised per 1,000 households2.4
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Frio County
How much SBA lending happens in Frio County
- 7(a) approvals recorded9
- 7(a) gross approval dollars$15.2 m
- Average 7(a) approval$1,689,000
- Median 7(a) approval$1,972,900
- 10th percentile approval$50,000
- 90th percentile approval$3,660,100
- Largest single approval$3,660,100
- Jobs reported supported, 7(a)76
- Jobs per approval8.4
- Distinct 7(a) lenders active7
- Distinct industries receiving approvals7
- Median 7(a) term300 months
- Share of loans on real estate terms, 240 months or longer55.6 percent
- Loans on real estate terms5
- Loans on working capital terms, 120 months or shorter2
- Franchise loans5
- Franchise share of approvals55.6 percent
- Leading industry by approval countHotels (except Casino Hotels) and Motels (3)
- Most active lenderFirst Western SBLC, LLC (2)
- 504 approvals recorded8
- 504 gross approval dollars$9.5 m
- Average 504 approval$1,191,625
- Median 504 approval$1,382,000
- Distinct CDCs active4
- 504 jobs per approval15.6
- 504 jobs per million dollars approved13.1
- Most active CDCNorth Texas Certified Development Corporation (3)
- 7(a) share of SBA approvals52.9 percent
- Combined SBA approval dollars$24.7 m
The average approval of $1,689,000 sits close to the median of $1,972,900, so lending here is fairly evenly sized rather than driven by a few large deals. 55.6 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.
Frio County
Do SBA loans in Frio County get paid back
- Loans with a final outcome recorded1
- Paid in full1
- Charged off0
- Status: Exempt from disclosure6
- Status: Paid in full1
- Status: Cancelled2
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.
Frio County
Which parts of Frio County get the lending
- Places in the county with recorded lending2
- PEARSALL, approvals7
- DILLEY, approvals2
| Place | Approvals | Gross approval dollars |
|---|---|---|
| PEARSALL | 7 | $9,568,000 |
| DILLEY | 2 | $5,633,000 |
PEARSALL accounts for 7 approvals against 2 in DILLEY. 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.
Frio County
How big is Frio County
- Land area1,134 sq mi
- Rank by land area among Texas counties46th of 254
- Width, east to west37.1 mi
- Height, north to south31.1 mi
- Geographies sharing a boundary5
- Residents per square mile of land16
- Establishments per square mile0.26
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.
Frio County
What hazards affect Frio 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 Frio 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 Frio County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population18,582
- Households5,437
- Average household size3.42
- Median household income$66,010
- Median age32.3
Common questions
Frio County questions, answered from the record.
How many people live in Frio County, Texas?
18,582, in 5,437 households, ranking 129th of 254 Texas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Frio County growing?
The population has grown 6.14 percent since the 2020 census base. In 2024 there were 211 births against 182 deaths, with net migration of 680. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Frio County?
$66,010. The median owner-occupied home is valued at $107,700, which is 1.6 times income, and median gross rent is $1,016 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Frio County?
295 establishments, employing 4,949 people with an annual payroll of $256.9 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 Frio County?
Average annual pay is $62,009, or $1,192 a week, across 6,505 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Frio County?
9 7(a) approvals totalling $15.2 m since FY2020, across 7 lenders, with a median approval of $1,972,900, plus 8 504 approvals worth $9.5 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Frio County?
13 housing units were authorised by permit in 2024, with a declared construction value of $1.7 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Frio 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 Frio County come from?
The largest single origin is Frio County Non-migrants, with 5,192 households. Arriving households report an average income of $39,957 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 Frio 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 Frio 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.