Garza County, Texas: commercial real estate data.
Garza County, Texas has a population of 5,118 across 893 square miles, down 20.2 percent since the 2020 census base. County output reached $281.6 m in 2024, 129 establishments operate here, and the SBA record carries 3 7(a) approvals worth $532,900.
116 sourced county values · tier FULL · 11 sections
Garza County
How many people live in Garza County
- Population5,118
- Households1,463
- Average household size3.50
- Median household income$46,314
- Median age35.4
- Median gross rent$838 per month
- Median owner-occupied home value$77,800
- Home value to household income1.7 times
- Annual rent as a share of median income21.7 percent
- Adults 25 and over with a bachelor degree or higher10.2 percent
- Adults 25 and over with a graduate degree3.0 percent
- Adults 25 and over3,523
- Population under 18816
- Share under 1815.9 percent
- Population 65 and over763
- Share 65 and over14.9 percent
- Working age population, 18 to 643,539
- Civilian labor force1,918
- Unemployment rate11.5 percent
- Labor force participation, adults 18 and over44.6 percent
- Rank by population among Texas counties201st of 254
- Rank by population among US county-equivalents2890th
Garza County is the 201st largest of 254 Texas counties by population. A median home costs 1.7 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 15.9 percent against 14.9 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Garza County
Is Garza County growing
- Population change since the 2020 census base-20.16 percent
- Census 2020 base population5,818
- Births, 202452
- Deaths, 202476
- Natural change, 2024-24
- Net domestic migration, 2024-30
- Net international migration, 2024108
- Total net migration, 202478
- Cumulative net domestic migration, 2021 to 2024-1,577
- Rank by growth among US county-equivalents3143rd
The county has lost 20.16 percent of its population 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.
Garza County
Where people moving to Garza County come from
- Tax returns filed by households arriving89
- People arriving, from those returns169
- Adjusted gross income arriving$4.5 m
- Net adjusted gross income movement$0
- Average income of an arriving household$50,247
- Largest single originGarza County Non-migrants (1,476 households)
- Largest single destination (1,476 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Garza County Non-migrants | 1,476 | 3,130 | $96.0 m |
| Lubbock County | 51 | 99 | $2.2 m |
| Other flows - Same State | 38 | 70 | $2.3 m |
The largest single source of arrivals is Garza 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.
Garza County
What the Garza County economy runs on
- County GDP, 2024$281.6 m
- County GDP, 2023$296.5 m
- GDP change, 2023 to 2024-5.0 percent
- GDP change over five years56.2 percent
- Rank by GDP among Texas counties222nd
- Rank by GDP among US county-equivalents2739th
- GDP per resident$55,013
Output grew -5.0 percent in the latest year and 56.2 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.
Garza County
Who employs people in Garza County
- Covered employment, annual average1,634
- Establishments reporting178
- Average annual pay$52,127
- Average weekly wage$1,002
- Sector 56, employment272
- Sector 56, average annual pay$74,334
- Sector 21, employment238
- Sector 21, average annual pay$77,336
- Sector 44-45, employment177
- Sector 44-45, average annual pay$24,681
- Sector 62, employment96
- Sector 62, average annual pay$36,798
- Sector 11, employment58
- Sector 81, employment51
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 56 | 272 | 8 | $74,334 |
| Sector 21 | 238 | 24 | $77,336 |
| Sector 44-45 | 177 | 18 | $24,681 |
| Sector 62 | 96 | 8 | $36,798 |
| Sector 11 | 58 | 24 | $31,691 |
| Sector 81 | 51 | 12 | $29,132 |
| Sector 48-49 | 50 | 5 | $112,033 |
| Sector 42 | 45 | 8 | $71,039 |
The largest sector is the biggest private employer group at 272 jobs, 16.6 percent of covered employment. Average pay per job exceeds median household income, which usually means single earner households and a wage base that can carry rent.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Garza County
What businesses operate in Garza County
- Establishments, all industries129
- Employment at those establishments1,303
- Annual payroll$66.1 m
- Establishments per 1,000 residents25.2
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.
Garza County
What is being built in Garza County
- Housing units authorised by permit, 20247
- Declared construction value permitted$1.4 m
- Single family units authorised7
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$202,314
- Units authorised per 1,000 households4.8
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Garza County
How much SBA lending happens in Garza County
- 7(a) approvals recorded3
- 7(a) gross approval dollars$532,900
- Average 7(a) approval$177,633
- Median 7(a) approval$150,000
- 10th percentile approval$40,000
- 90th percentile approval$342,900
- Largest single approval$342,900
- Jobs reported supported, 7(a)19
- Jobs per approval6.3
- Distinct 7(a) lenders active2
- Distinct industries receiving approvals2
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer33.3 percent
- Loans on real estate terms1
- Loans on working capital terms, 120 months or shorter2
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countChild Care Services (2)
- Most active lenderPlainsCapital Bank (2)
- 504 approvals recorded1
- 504 gross approval dollars$1.0 m
- Average 504 approval$1,049,000
- Median 504 approval$1,049,000
- Distinct CDCs active1
- 504 jobs per approval0.0
- 504 jobs per million dollars approved0.0
- Most active CDCNorth Texas Certified Development Corporation (1)
- 7(a) share of SBA approvals75.0 percent
- Combined SBA approval dollars$1.6 m
The average approval of $177,633 sits close to the median of $150,000, so lending here is fairly evenly sized rather than driven by a few large deals. 33.3 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.
Garza County
Do SBA loans in Garza County get paid back
- Loans with a final outcome recorded0
- Paid in full0
- Charged off0
- Status: Exempt from disclosure3
Too few loans have reached a final outcome to publish a charge off rate. only 0 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.
Garza County
How big is Garza County
- Land area893 sq mi
- Rank by land area among Texas counties157th of 254
- Width, east to west30.1 mi
- Height, north to south30.1 mi
- Geographies sharing a boundary5
- Residents per square mile of land6
- Establishments per square mile0.14
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.
Garza County
What hazards affect Garza County
- EPA radon zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
- 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 2, a predicted average indoor radon screening level from 2 to 4 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 Garza 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 Garza County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population5,118
- Households1,463
- Average household size3.50
- Median household income$46,314
- Median age35.4
Common questions
Garza County questions, answered from the record.
How many people live in Garza County, Texas?
5,118, in 1,463 households, ranking 201st of 254 Texas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Garza County growing?
The population has fallen 20.16 percent since the 2020 census base. In 2024 there were 52 births against 76 deaths, with net migration of 78. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Garza County?
$46,314. The median owner-occupied home is valued at $77,800, which is 1.7 times income, and median gross rent is $838 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Garza County?
129 establishments, employing 1,303 people with an annual payroll of $66.1 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 Garza County?
Average annual pay is $52,127, or $1,002 a week, across 1,634 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Garza County?
3 7(a) approvals totalling $532,900 since FY2020, across 2 lenders, with a median approval of $150,000, plus 1 504 approvals worth $1.0 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Garza County?
7 housing units were authorised by permit in 2024, with a declared construction value of $1.4 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Garza County?
Zone 2, a predicted average indoor radon screening level from 2 to 4 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Garza County come from?
The largest single origin is Garza County Non-migrants, with 1,476 households. Arriving households report an average income of $50,247 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 Garza 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 Garza 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.