Grayson County, Texas: commercial real estate data.
Grayson County, Texas has a population of 143,337 across 933 square miles, up 11.0 percent since the 2020 census base. County output reached $8.37 bn in 2024, 2,899 establishments operate here, and the SBA record carries 145 7(a) approvals worth $147.7 m.
128 sourced county values · tier FULL · 12 sections
Grayson County
How many people live in Grayson County
- Population143,337
- Households55,248
- Average household size2.59
- Median household income$72,182
- Median age39.0
- Median gross rent$1,310 per month
- Median owner-occupied home value$248,400
- Home value to household income3.4 times
- Annual rent as a share of median income21.8 percent
- Adults 25 and over with a bachelor degree or higher23.9 percent
- Adults 25 and over with a graduate degree7.8 percent
- Adults 25 and over96,958
- Population under 1834,451
- Share under 1824.0 percent
- Population 65 and over25,876
- Share 65 and over18.1 percent
- Working age population, 18 to 6483,010
- Civilian labor force70,551
- Unemployment rate3.1 percent
- Labor force participation, adults 18 and over64.8 percent
- Rank by population among Texas counties35th of 254
- Rank by population among US county-equivalents473rd
Grayson County is the 35th largest of 254 Texas counties by population. A median home costs 3.4 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 24.0 percent against 18.1 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Grayson County
Is Grayson County growing
- Population change since the 2020 census base11.02 percent
- Census 2020 base population135,592
- Births, 20241,690
- Deaths, 20241,661
- Natural change, 202429
- Net domestic migration, 20243,025
- Net international migration, 2024430
- Total net migration, 20243,455
- Cumulative net domestic migration, 2021 to 202413,785
- Rank by growth among US county-equivalents129th
The county has grown 11.02 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.
Grayson County
Where people moving to Grayson County come from
- Tax returns filed by households arriving5,079
- People arriving, from those returns10,172
- Adjusted gross income arriving$392.8 m
- Net adjusted gross income movement$0
- Average income of an arriving household$77,347
- Largest single originGrayson County Non-migrants (49,448 households)
- Largest single destination (49,448 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Grayson County Non-migrants | 49,448 | 104,388 | $3.91 bn |
| Collin County | 1,335 | 2,855 | $139.5 m |
| Other flows - Different State | 1,202 | 2,313 | $84.4 m |
| Denton County | 545 | 1,178 | $45.7 m |
| Other flows - Same State | 459 | 892 | $29.6 m |
| Other flows - West | 459 | 953 | $33.7 m |
| Other flows - South | 420 | 779 | $28.1 m |
| Dallas County | 356 | 651 | $21.1 m |
The largest single source of arrivals is Grayson 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.
Grayson County
What the Grayson County economy runs on
- County GDP, 2024$8.37 bn
- County GDP, 2023$7.74 bn
- GDP change, 2023 to 20248.2 percent
- GDP change over five years59.5 percent
- Rank by GDP among Texas counties40th
- Rank by GDP among US county-equivalents510th
- GDP per resident$58,394
Output grew 8.2 percent in the latest year and 59.5 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.
Grayson County
Who employs people in Grayson County
- Covered employment, annual average52,026
- Establishments reporting3,223
- Average annual pay$58,282
- Average weekly wage$1,121
- Sector 62, employment9,322
- Sector 62, average annual pay$65,981
- Sector 31-33, employment8,058
- Sector 31-33, average annual pay$77,689
- Sector 44-45, employment6,305
- Sector 44-45, average annual pay$39,862
- Sector 72, employment5,164
- Sector 72, average annual pay$22,659
- Sector 23, employment3,653
- Sector 56, employment2,918
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 9,322 | 546 | $65,981 |
| Sector 31-33 | 8,058 | 142 | $77,689 |
| Sector 44-45 | 6,305 | 406 | $39,862 |
| Sector 72 | 5,164 | 251 | $22,659 |
| Sector 23 | 3,653 | 330 | $69,757 |
| Sector 56 | 2,918 | 160 | $50,915 |
| Sector 54 | 1,350 | 294 | $65,997 |
| Sector 42 | 1,317 | 147 | $82,041 |
The largest sector is the biggest private employer group at 9,322 jobs, 17.9 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.
Grayson County
What businesses operate in Grayson County
- Establishments, all industries2,899
- Employment at those establishments42,994
- Annual payroll$2.15 bn
- Establishments per 1,000 residents20.2
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.
Grayson County
What is being built in Grayson County
- Housing units authorised by permit, 20242,142
- Declared construction value permitted$506.5 m
- Single family units authorised1,368
- Multifamily units authorised774
- Multifamily share of units36.1 percent
- Average declared value per unit$236,468
- Units authorised per 1,000 households38.8
Multifamily is 36.1 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Grayson County
How much SBA lending happens in Grayson County
- 7(a) approvals recorded145
- 7(a) gross approval dollars$147.7 m
- Average 7(a) approval$1,018,846
- Median 7(a) approval$403,500
- 10th percentile approval$80,000
- 90th percentile approval$3,035,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)1,662
- Jobs per approval11.5
- Distinct 7(a) lenders active54
- Distinct industries receiving approvals71
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer31.0 percent
- Loans on real estate terms45
- Loans on working capital terms, 120 months or shorter92
- Franchise loans40
- Franchise share of approvals27.6 percent
- Leading industry by approval countGasoline Stations with Convenience Stores (10)
- Most active lenderMetro City Bank (13)
- 504 approvals recorded17
- 504 gross approval dollars$19.5 m
- Average 504 approval$1,148,765
- Median 504 approval$582,000
- Distinct CDCs active5
- 504 jobs per approval12.5
- 504 jobs per million dollars approved10.9
- Most active CDCCapital Certified Development Corporation (7)
- 7(a) share of SBA approvals89.5 percent
- Combined SBA approval dollars$167.3 m
The average approval of $1,018,846 sits well above the median of $403,500, 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. 31.0 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.
Grayson County
Do SBA loans in Grayson County get paid back
- Loans with a final outcome recorded22
- Paid in full21
- Charged off1
- Charge off rate on resolved loans4.5 percent
- Status: Paid in full21
- Status: Exempt from disclosure93
- Status: Cancelled24
- Status: Charged off1
- Status: Committed, not yet disbursed6
Of the 22 loans that have reached a final outcome, 4.5 percent were charged off. This is computed only over resolved loans, because a loan still running has not yet succeeded or failed and counting it either way would be wrong.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Grayson County
Which parts of Grayson County get the lending
- Places in the county with recorded lending16
- SHERMAN, approvals55
- DENISON, approvals37
- Van Alstyne, approvals10
- WHITESBORO, approvals8
- GUNTER, approvals7
- POTTSBORO, approvals6
| Place | Approvals | Gross approval dollars |
|---|---|---|
| SHERMAN | 55 | $49,935,700 |
| DENISON | 37 | $46,288,200 |
| Van Alstyne | 10 | $10,144,600 |
| WHITESBORO | 8 | $5,580,600 |
| GUNTER | 7 | $6,505,000 |
| POTTSBORO | 6 | $9,900,800 |
| BELLS | 5 | $6,319,000 |
| COLLINSVILLE | 4 | $3,516,000 |
SHERMAN accounts for 55 approvals against 37 in DENISON. 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.
Grayson County
How big is Grayson County
- Land area933 sq mi
- Rank by land area among Texas counties95th of 254
- Width, east to west32.5 mi
- Height, north to south38.8 mi
- Geographies sharing a boundary4
- Residents per square mile of land154
- Establishments per square mile3.11
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.
Grayson County
What hazards affect Grayson County
- EPA radon zone predicted average indoor radon screening level less than 2 pCi/LZone 3
- Communities in the NFIP Community Status Book16
- Of those, participating in the NFIP11
- NFIP participation rate68.8 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 Grayson 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 Grayson County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population143,337
- Households55,248
- Average household size2.59
- Median household income$72,182
- Median age39.0
Common questions
Grayson County questions, answered from the record.
How many people live in Grayson County, Texas?
143,337, in 55,248 households, ranking 35th of 254 Texas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Grayson County growing?
The population has grown 11.02 percent since the 2020 census base. In 2024 there were 1,690 births against 1,661 deaths, with net migration of 3,455. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Grayson County?
$72,182. The median owner-occupied home is valued at $248,400, which is 3.4 times income, and median gross rent is $1,310 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Grayson County?
2,899 establishments, employing 42,994 people with an annual payroll of $2.15 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in Grayson County?
Average annual pay is $58,282, or $1,121 a week, across 52,026 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Grayson County?
145 7(a) approvals totalling $147.7 m since FY2020, across 54 lenders, with a median approval of $403,500, plus 17 504 approvals worth $19.5 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Grayson County get paid back?
Of the 22 loans that have reached a final outcome, 21 were paid in full and 1 charged off, a charge off rate of 4.5 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Grayson County?
2,142 housing units were authorised by permit in 2024, with a declared construction value of $506.5 m. Multifamily was 36.1 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Grayson 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 Grayson County come from?
The largest single origin is Grayson County Non-migrants, with 49,448 households. Arriving households report an average income of $77,347 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 Grayson 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 Grayson 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.