Gaines County, Texas: commercial real estate data.
Gaines County, Texas has a population of 22,232 across 1,502 square miles, up 6.0 percent since the 2020 census base. County output reached $2.33 bn in 2024, 532 establishments operate here, and the SBA record carries 13 7(a) approvals worth $9.0 m.
119 sourced county values · tier FULL · 11 sections
Gaines County
How many people live in Gaines County
- Population22,232
- Households6,929
- Average household size3.21
- Median household income$74,132
- Median age29.3
- Median gross rent$789 per month
- Median owner-occupied home value$200,700
- Home value to household income2.7 times
- Annual rent as a share of median income12.8 percent
- Adults 25 and over with a bachelor degree or higher11.7 percent
- Adults 25 and over with a graduate degree2.1 percent
- Adults 25 and over11,793
- Population under 187,961
- Share under 1835.8 percent
- Population 65 and over2,151
- Share 65 and over9.7 percent
- Working age population, 18 to 6412,120
- Civilian labor force9,327
- Unemployment rate2.4 percent
- Labor force participation, adults 18 and over65.4 percent
- Rank by population among Texas counties109th of 254
- Rank by population among US county-equivalents1763rd
Gaines County is the 109th largest of 254 Texas counties by population. A median home costs 2.7 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 35.8 percent against 9.7 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Gaines County
Is Gaines County growing
- Population change since the 2020 census base5.97 percent
- Census 2020 base population21,602
- Births, 2024476
- Deaths, 2024145
- Natural change, 2024331
- Net domestic migration, 2024-41
- Net international migration, 202476
- Total net migration, 202435
- Cumulative net domestic migration, 2021 to 2024-253
- Rank by growth among US county-equivalents413th
The county has grown 5.97 percent since the 2020 census base.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Gaines County
Where people moving to Gaines County come from
- Tax returns filed by households arriving348
- People arriving, from those returns807
- Adjusted gross income arriving$18.8 m
- Net adjusted gross income movement$0
- Average income of an arriving household$54,132
- Largest single originGaines County Non-migrants (6,704 households)
- Largest single destination (6,704 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Gaines County Non-migrants | 6,704 | 18,042 | $465.6 m |
| Other flows - Same State | 180 | 407 | $8.8 m |
| Lea County | 47 | 115 | $3.5 m |
| Other flows - Different State | 47 | 119 | $3.4 m |
| Other flows - West | 47 | 119 | $3.4 m |
| Lubbock County | 43 | 91 | $1.9 m |
| Yoakum County | 31 | 75 | $1.2 m |
The largest single source of arrivals is Gaines 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.
Gaines County
What the Gaines County economy runs on
- County GDP, 2024$2.33 bn
- County GDP, 2023$2.54 bn
- GDP change, 2023 to 2024-8.4 percent
- GDP change over five years66.4 percent
- Rank by GDP among Texas counties98th
- Rank by GDP among US county-equivalents1164th
- GDP per resident$104,614
Output grew -8.4 percent in the latest year and 66.4 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.
Gaines County
Who employs people in Gaines County
- Covered employment, annual average6,744
- Establishments reporting683
- Average annual pay$61,568
- Average weekly wage$1,184
- Sector 23, employment803
- Sector 23, average annual pay$73,255
- Sector 44-45, employment755
- Sector 44-45, average annual pay$39,691
- Sector 21, employment629
- Sector 21, average annual pay$92,584
- Sector 11, employment619
- Sector 11, average annual pay$55,538
- Sector 42, employment486
- Sector 72, employment423
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 23 | 803 | 96 | $73,255 |
| Sector 44-45 | 755 | 78 | $39,691 |
| Sector 21 | 629 | 35 | $92,584 |
| Sector 11 | 619 | 120 | $55,538 |
| Sector 42 | 486 | 51 | $79,066 |
| Sector 72 | 423 | 37 | $22,881 |
| Sector 48-49 | 303 | 36 | $88,647 |
| Sector 31-33 | 279 | 18 | $73,539 |
The largest sector is the biggest private employer group at 803 jobs, 11.9 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.
Gaines County
What businesses operate in Gaines County
- Establishments, all industries532
- Employment at those establishments5,154
- Annual payroll$303.1 m
- Establishments per 1,000 residents23.9
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.
Gaines County
What is being built in Gaines County
- Housing units authorised by permit, 202411
- Declared construction value permitted$3.3 m
- Single family units authorised11
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$302,641
- Units authorised per 1,000 households1.6
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Gaines County
How much SBA lending happens in Gaines County
- 7(a) approvals recorded13
- 7(a) gross approval dollars$9.0 m
- Average 7(a) approval$690,762
- Median 7(a) approval$350,000
- 10th percentile approval$25,000
- 90th percentile approval$2,600,000
- Largest single approval$2,955,400
- Jobs reported supported, 7(a)69
- Jobs per approval5.3
- Distinct 7(a) lenders active10
- Distinct industries receiving approvals12
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer15.4 percent
- Loans on real estate terms2
- Loans on working capital terms, 120 months or shorter10
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countSupport Activities for Oil and Gas Operations (2)
- Most active lenderAmerican Momentum Bank (3)
- 504 approvals recorded3
- 504 gross approval dollars$1.7 m
- Average 504 approval$581,333
- Median 504 approval$383,000
- Distinct CDCs active2
- 504 jobs per approval3.3
- 504 jobs per million dollars approved5.7
- Most active CDCCapital Certified Development Corporation (2)
- 7(a) share of SBA approvals81.3 percent
- Combined SBA approval dollars$10.7 m
The average approval of $690,762 sits well above the median of $350,000, 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. Only 15.4 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.
Gaines County
Do SBA loans in Gaines County get paid back
- Loans with a final outcome recorded1
- Paid in full1
- Charged off0
- Status: Cancelled3
- Status: Exempt from disclosure7
- Status: Paid in full1
- Status: Committed, not yet disbursed2
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.
Gaines County
How big is Gaines County
- Land area1,502 sq mi
- Rank by land area among Texas counties19th of 254
- Width, east to west50.2 mi
- Height, north to south30.2 mi
- Geographies sharing a boundary5
- Residents per square mile of land15
- Establishments per square mile0.35
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.
Gaines County
What hazards affect Gaines 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 Gaines 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 Gaines County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population22,232
- Households6,929
- Average household size3.21
- Median household income$74,132
- Median age29.3
Common questions
Gaines County questions, answered from the record.
How many people live in Gaines County, Texas?
22,232, in 6,929 households, ranking 109th of 254 Texas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Gaines County growing?
The population has grown 5.97 percent since the 2020 census base. In 2024 there were 476 births against 145 deaths, with net migration of 35. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Gaines County?
$74,132. The median owner-occupied home is valued at $200,700, which is 2.7 times income, and median gross rent is $789 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Gaines County?
532 establishments, employing 5,154 people with an annual payroll of $303.1 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 Gaines County?
Average annual pay is $61,568, or $1,184 a week, across 6,744 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Gaines County?
13 7(a) approvals totalling $9.0 m since FY2020, across 10 lenders, with a median approval of $350,000, plus 3 504 approvals worth $1.7 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Gaines County?
11 housing units were authorised by permit in 2024, with a declared construction value of $3.3 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Gaines 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 Gaines County come from?
The largest single origin is Gaines County Non-migrants, with 6,704 households. Arriving households report an average income of $54,132 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 Gaines 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 Gaines 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.