Hardin County, Texas: commercial real estate data.
Hardin County, Texas has a population of 57,642 across 891 square miles, up 4.3 percent since the 2020 census base. County output reached $1.85 bn in 2024, 872 establishments operate here, and the SBA record carries 30 7(a) approvals worth $26.7 m.
126 sourced county values · tier FULL · 12 sections
Hardin County
How many people live in Hardin County
- Population57,642
- Households22,222
- Average household size2.59
- Median household income$75,808
- Median age39.4
- Median gross rent$1,049 per month
- Median owner-occupied home value$205,700
- Home value to household income2.7 times
- Annual rent as a share of median income16.6 percent
- Adults 25 and over with a bachelor degree or higher21.0 percent
- Adults 25 and over with a graduate degree5.3 percent
- Adults 25 and over39,160
- Population under 1814,263
- Share under 1824.7 percent
- Population 65 and over10,209
- Share 65 and over17.7 percent
- Working age population, 18 to 6433,170
- Civilian labor force26,297
- Unemployment rate5.4 percent
- Labor force participation, adults 18 and over60.6 percent
- Rank by population among Texas counties61st of 254
- Rank by population among US county-equivalents924th
Hardin County is the 61st 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 24.7 percent against 17.7 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Hardin County
Is Hardin County growing
- Population change since the 2020 census base4.33 percent
- Census 2020 base population56,237
- Births, 2024670
- Deaths, 2024683
- Natural change, 2024-13
- Net domestic migration, 2024413
- Net international migration, 202444
- Total net migration, 2024457
- Cumulative net domestic migration, 2021 to 20242,349
- Rank by growth among US county-equivalents637th
The county has grown 4.33 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.
Hardin County
Where people moving to Hardin County come from
- Tax returns filed by households arriving1,731
- People arriving, from those returns3,662
- Adjusted gross income arriving$109.3 m
- Net adjusted gross income movement$0
- Average income of an arriving household$63,149
- Largest single originHardin County Non-migrants (19,953 households)
- Largest single destination (19,953 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Hardin County Non-migrants | 19,953 | 44,326 | $1.65 bn |
| Jefferson County | 524 | 1,091 | $38.0 m |
| Other flows - Different State | 300 | 655 | $17.7 m |
| Other flows - Same State | 299 | 674 | $18.9 m |
| Harris County | 126 | 244 | $7.4 m |
| Orange County | 123 | 223 | $6.8 m |
| Other flows - South | 122 | 256 | $7.1 m |
| Other flows - West | 113 | 262 | $7.2 m |
The largest single source of arrivals is Hardin 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.
Hardin County
What the Hardin County economy runs on
- County GDP, 2024$1.85 bn
- County GDP, 2023$1.74 bn
- GDP change, 2023 to 20246.4 percent
- GDP change over five years37.9 percent
- Rank by GDP among Texas counties114th
- Rank by GDP among US county-equivalents1351st
- GDP per resident$32,151
Output grew 6.4 percent in the latest year and 37.9 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.
Hardin County
Who employs people in Hardin County
- Covered employment, annual average12,197
- Establishments reporting974
- Average annual pay$52,391
- Average weekly wage$1,008
- Sector 44-45, employment2,079
- Sector 44-45, average annual pay$44,277
- Sector 23, employment1,495
- Sector 23, average annual pay$82,543
- Sector 72, employment1,450
- Sector 72, average annual pay$18,816
- Sector 62, employment992
- Sector 62, average annual pay$44,358
- Sector 31-33, employment911
- Sector 81, employment458
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 2,079 | 146 | $44,277 |
| Sector 23 | 1,495 | 120 | $82,543 |
| Sector 72 | 1,450 | 94 | $18,816 |
| Sector 62 | 992 | 84 | $44,358 |
| Sector 31-33 | 911 | 31 | $71,472 |
| Sector 81 | 458 | 67 | $60,484 |
| Sector 54 | 421 | 72 | $64,942 |
| Sector 42 | 303 | 27 | $66,521 |
The largest sector is the biggest private employer group at 2,079 jobs, 17.0 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.
Hardin County
What businesses operate in Hardin County
- Establishments, all industries872
- Employment at those establishments8,993
- Annual payroll$431.9 m
- Establishments per 1,000 residents15.1
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.
Hardin County
What is being built in Hardin County
- Housing units authorised by permit, 2024315
- Declared construction value permitted$93.9 m
- Single family units authorised315
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$298,067
- Units authorised per 1,000 households14.2
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Hardin County
How much SBA lending happens in Hardin County
- 7(a) approvals recorded30
- 7(a) gross approval dollars$26.7 m
- Average 7(a) approval$889,397
- Median 7(a) approval$350,000
- 10th percentile approval$65,000
- 90th percentile approval$1,956,600
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)394
- Jobs per approval13.1
- Distinct 7(a) lenders active16
- Distinct industries receiving approvals21
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer26.7 percent
- Loans on real estate terms8
- Loans on working capital terms, 120 months or shorter17
- Franchise loans6
- Franchise share of approvals20.0 percent
- Leading industry by approval countNew Car Dealers (5)
- Most active lenderHancock Whitney Bank (5)
- 504 approvals recorded8
- 504 gross approval dollars$7.5 m
- Average 504 approval$935,375
- Median 504 approval$594,000
- Distinct CDCs active3
- 504 jobs per approval14.9
- 504 jobs per million dollars approved15.9
- Most active CDCSoutheast Texas Economic Development Foundation (5)
- 7(a) share of SBA approvals78.9 percent
- Combined SBA approval dollars$34.2 m
The average approval of $889,397 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 26.7 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.
Hardin County
Do SBA loans in Hardin County get paid back
- Loans with a final outcome recorded7
- Paid in full7
- Charged off0
- Status: Paid in full7
- Status: Cancelled5
- Status: Exempt from disclosure17
- Status: Committed, not yet disbursed1
Too few loans have reached a final outcome to publish a charge off rate. only 7 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.
Hardin County
Which parts of Hardin County get the lending
- Places in the county with recorded lending8
- LUMBERTON, approvals11
- Silsbee, approvals10
- KOUNTZE, approvals3
- Beaumont, approvals2
- Baston, approvals1
- THICKET, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| LUMBERTON | 11 | $5,212,400 |
| Silsbee | 10 | $16,926,500 |
| KOUNTZE | 3 | $2,400,000 |
| Beaumont | 2 | $223,000 |
| Baston | 1 | $650,000 |
| THICKET | 1 | $65,000 |
| SOUR LAKE | 1 | $825,000 |
| TOMBALL | 1 | $380,000 |
LUMBERTON accounts for 11 approvals against 10 in Silsbee. 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.
Hardin County
How big is Hardin County
- Land area891 sq mi
- Rank by land area among Texas counties161st of 254
- Width, east to west39.5 mi
- Height, north to south28.6 mi
- Geographies sharing a boundary6
- Residents per square mile of land65
- Establishments per square mile0.98
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.
Hardin County
What hazards affect Hardin County
- EPA radon zone predicted average indoor radon screening level less than 2 pCi/LZone 3
- Communities in the NFIP Community Status Book6
- Of those, participating in the NFIP6
- 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 Hardin 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 Hardin County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population57,642
- Households22,222
- Average household size2.59
- Median household income$75,808
- Median age39.4
Common questions
Hardin County questions, answered from the record.
How many people live in Hardin County, Texas?
57,642, in 22,222 households, ranking 61st of 254 Texas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Hardin County growing?
The population has grown 4.33 percent since the 2020 census base. In 2024 there were 670 births against 683 deaths, with net migration of 457. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Hardin County?
$75,808. The median owner-occupied home is valued at $205,700, which is 2.7 times income, and median gross rent is $1,049 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Hardin County?
872 establishments, employing 8,993 people with an annual payroll of $431.9 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 Hardin County?
Average annual pay is $52,391, or $1,008 a week, across 12,197 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Hardin County?
30 7(a) approvals totalling $26.7 m since FY2020, across 16 lenders, with a median approval of $350,000, plus 8 504 approvals worth $7.5 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Hardin County?
315 housing units were authorised by permit in 2024, with a declared construction value of $93.9 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Hardin 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 Hardin County come from?
The largest single origin is Hardin County Non-migrants, with 19,953 households. Arriving households report an average income of $63,149 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 Hardin 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 Hardin 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.