Gillespie County, Texas: commercial real estate data.
Gillespie County, Texas has a population of 27,524 across 1,058 square miles, up 5.3 percent since the 2020 census base. County output reached $1.78 bn in 2024, 1,202 establishments operate here, and the SBA record carries 40 7(a) approvals worth $20.4 m.
125 sourced county values · tier FULL · 12 sections
Gillespie County
How many people live in Gillespie County
- Population27,524
- Households11,513
- Average household size2.39
- Median household income$76,162
- Median age50.7
- Median gross rent$1,340 per month
- Median owner-occupied home value$460,700
- Home value to household income6.0 times
- Annual rent as a share of median income21.1 percent
- Adults 25 and over with a bachelor degree or higher37.2 percent
- Adults 25 and over with a graduate degree13.9 percent
- Adults 25 and over20,683
- Population under 185,350
- Share under 1819.4 percent
- Population 65 and over8,301
- Share 65 and over30.2 percent
- Working age population, 18 to 6413,873
- Civilian labor force12,521
- Unemployment rate2.7 percent
- Labor force participation, adults 18 and over56.5 percent
- Rank by population among Texas counties99th of 254
- Rank by population among US county-equivalents1563rd
Gillespie County is the 99th largest of 254 Texas counties by population. A median home costs 6.0 times median household income, which is a stretched ownership market and usually shows up as rental demand. Residents 65 and over outnumber those under 18, at 30.2 percent against 19.4 percent, which points demand at health care, services and single storey product rather than schools.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Gillespie County
Is Gillespie County growing
- Population change since the 2020 census base5.29 percent
- Census 2020 base population26,743
- Births, 2024246
- Deaths, 2024378
- Natural change, 2024-132
- Net domestic migration, 2024332
- Net international migration, 2024155
- Total net migration, 2024487
- Cumulative net domestic migration, 2021 to 20241,560
- Rank by growth among US county-equivalents495th
The county has grown 5.29 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.
Gillespie County
Where people moving to Gillespie County come from
- Tax returns filed by households arriving921
- People arriving, from those returns1,690
- Adjusted gross income arriving$184.6 m
- Net adjusted gross income movement$0
- Average income of an arriving household$200,413
- Largest single originGillespie County Non-migrants (11,074 households)
- Largest single destination (11,074 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Gillespie County Non-migrants | 11,074 | 22,251 | $1.49 bn |
| Other flows - Same State | 310 | 574 | $44.6 m |
| Other flows - Different State | 210 | 391 | $31.8 m |
| Other flows - West | 123 | 237 | $24.1 m |
| Kerr County | 98 | 195 | $6.8 m |
| Bexar County | 79 | 138 | $15.5 m |
| Travis County | 66 | 118 | $13.3 m |
| Other flows - South | 58 | 101 | $5.1 m |
The largest single source of arrivals is Gillespie 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.
Gillespie County
What the Gillespie County economy runs on
- County GDP, 2024$1.78 bn
- County GDP, 2023$1.68 bn
- GDP change, 2023 to 20246.0 percent
- GDP change over five years45.2 percent
- Rank by GDP among Texas counties115th
- Rank by GDP among US county-equivalents1371st
- GDP per resident$64,803
Output grew 6.0 percent in the latest year and 45.2 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.
Gillespie County
Who employs people in Gillespie County
- Covered employment, annual average12,476
- Establishments reporting1,238
- Average annual pay$49,711
- Average weekly wage$956
- Sector 72, employment2,164
- Sector 72, average annual pay$30,476
- Sector 44-45, employment1,785
- Sector 44-45, average annual pay$38,488
- Sector 62, employment1,696
- Sector 62, average annual pay$57,138
- Sector 31-33, employment1,571
- Sector 31-33, average annual pay$47,196
- Sector 23, employment1,151
- Sector 54, employment470
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 72 | 2,164 | 143 | $30,476 |
| Sector 44-45 | 1,785 | 168 | $38,488 |
| Sector 62 | 1,696 | 102 | $57,138 |
| Sector 31-33 | 1,571 | 89 | $47,196 |
| Sector 23 | 1,151 | 162 | $62,932 |
| Sector 54 | 470 | 104 | $78,251 |
| Sector 42 | 386 | 44 | $57,456 |
| Sector 71 | 377 | 22 | $41,924 |
The largest sector is the biggest private employer group at 2,164 jobs, 17.3 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.
Gillespie County
What businesses operate in Gillespie County
- Establishments, all industries1,202
- Employment at those establishments11,690
- Annual payroll$524.6 m
- Establishments per 1,000 residents43.7
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.
Gillespie County
What is being built in Gillespie County
- Housing units authorised by permit, 202452
- Declared construction value permitted$11.1 m
- Single family units authorised52
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$213,148
- Units authorised per 1,000 households4.5
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Gillespie County
How much SBA lending happens in Gillespie County
- 7(a) approvals recorded40
- 7(a) gross approval dollars$20.4 m
- Average 7(a) approval$510,745
- Median 7(a) approval$350,000
- 10th percentile approval$125,000
- 90th percentile approval$1,022,400
- Largest single approval$2,840,400
- Jobs reported supported, 7(a)396
- Jobs per approval9.9
- Distinct 7(a) lenders active17
- Distinct industries receiving approvals31
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer22.5 percent
- Loans on real estate terms9
- Loans on working capital terms, 120 months or shorter28
- Franchise loans5
- Franchise share of approvals12.5 percent
- Leading industry by approval countWineries (6)
- Most active lenderSecurity State Bank and Trust (16)
- 504 approvals recorded18
- 504 gross approval dollars$25.1 m
- Average 504 approval$1,394,889
- Median 504 approval$1,132,000
- Distinct CDCs active8
- 504 jobs per approval13.6
- 504 jobs per million dollars approved9.8
- Most active CDCCapital Certified Development Corporation (8)
- 7(a) share of SBA approvals69.0 percent
- Combined SBA approval dollars$45.5 m
The average approval of $510,745 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 22.5 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.
Gillespie County
Do SBA loans in Gillespie County get paid back
- Loans with a final outcome recorded5
- Paid in full5
- Charged off0
- Status: Exempt from disclosure28
- Status: Paid in full5
- Status: Cancelled5
- Status: Committed, not yet disbursed2
Too few loans have reached a final outcome to publish a charge off rate. only 5 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.
Gillespie County
Which parts of Gillespie County get the lending
- Places in the county with recorded lending5
- FREDERICKSBURG, approvals29
- Stonewall, approvals7
- Harper, approvals2
- Kerrville, approvals1
- Willow City, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| FREDERICKSBURG | 29 | $14,014,800 |
| Stonewall | 7 | $5,076,000 |
| Harper | 2 | $653,000 |
| Kerrville | 1 | $561,000 |
| Willow City | 1 | $125,000 |
FREDERICKSBURG accounts for 29 approvals against 7 in Stonewall. 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.
Gillespie County
How big is Gillespie County
- Land area1,058 sq mi
- Rank by land area among Texas counties57th of 254
- Width, east to west42.8 mi
- Height, north to south25.2 mi
- Geographies sharing a boundary6
- Residents per square mile of land26
- Establishments per square mile1.14
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.
Gillespie County
What hazards affect Gillespie 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 Gillespie 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 Gillespie County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population27,524
- Households11,513
- Average household size2.39
- Median household income$76,162
- Median age50.7
Common questions
Gillespie County questions, answered from the record.
How many people live in Gillespie County, Texas?
27,524, in 11,513 households, ranking 99th of 254 Texas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Gillespie County growing?
The population has grown 5.29 percent since the 2020 census base. In 2024 there were 246 births against 378 deaths, with net migration of 487. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Gillespie County?
$76,162. The median owner-occupied home is valued at $460,700, which is 6.0 times income, and median gross rent is $1,340 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Gillespie County?
1,202 establishments, employing 11,690 people with an annual payroll of $524.6 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 Gillespie County?
Average annual pay is $49,711, or $956 a week, across 12,476 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Gillespie County?
40 7(a) approvals totalling $20.4 m since FY2020, across 17 lenders, with a median approval of $350,000, plus 18 504 approvals worth $25.1 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Gillespie County?
52 housing units were authorised by permit in 2024, with a declared construction value of $11.1 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Gillespie 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 Gillespie County come from?
The largest single origin is Gillespie County Non-migrants, with 11,074 households. Arriving households report an average income of $200,413 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 Gillespie 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 Gillespie 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.