Hill County, Texas: commercial real estate data.
Hill County, Texas has a population of 37,328 across 959 square miles, up 8.1 percent since the 2020 census base. County output reached $1.72 bn in 2024, 649 establishments operate here, and the SBA record carries 29 7(a) approvals worth $39.4 m.
127 sourced county values · tier FULL · 12 sections
Hill County
How many people live in Hill County
- Population37,328
- Households13,767
- Average household size2.71
- Median household income$64,591
- Median age41.0
- Median gross rent$946 per month
- Median owner-occupied home value$179,200
- Home value to household income2.8 times
- Annual rent as a share of median income17.6 percent
- Adults 25 and over with a bachelor degree or higher18.0 percent
- Adults 25 and over with a graduate degree6.1 percent
- Adults 25 and over25,652
- Population under 188,638
- Share under 1823.1 percent
- Population 65 and over7,620
- Share 65 and over20.4 percent
- Working age population, 18 to 6421,070
- Civilian labor force16,813
- Unemployment rate4.2 percent
- Labor force participation, adults 18 and over58.6 percent
- Rank by population among Texas counties84th of 254
- Rank by population among US county-equivalents1273rd
Hill County is the 84th largest of 254 Texas counties by population. A median home costs 2.8 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 23.1 percent against 20.4 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Hill County
Is Hill County growing
- Population change since the 2020 census base8.10 percent
- Census 2020 base population35,867
- Births, 2024435
- Deaths, 2024560
- Natural change, 2024-125
- Net domestic migration, 2024623
- Net international migration, 202470
- Total net migration, 2024693
- Cumulative net domestic migration, 2021 to 20243,197
- Rank by growth among US county-equivalents234th
The county has grown 8.10 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.
Hill County
Where people moving to Hill County come from
- Tax returns filed by households arriving1,458
- People arriving, from those returns2,945
- Adjusted gross income arriving$88.7 m
- Net adjusted gross income movement$0
- Average income of an arriving household$60,805
- Largest single originHill County Non-migrants (12,655 households)
- Largest single destination (12,655 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Hill County Non-migrants | 12,655 | 27,114 | $845.0 m |
| Other flows - Same State | 319 | 596 | $17.4 m |
| Other flows - Different State | 242 | 457 | $15.4 m |
| Johnson County | 211 | 467 | $13.2 m |
| Tarrant County | 193 | 390 | $13.0 m |
| McLennan County | 165 | 361 | $8.8 m |
| Other flows - West | 109 | 227 | $8.2 m |
| Dallas County | 98 | 206 | $5.7 m |
The largest single source of arrivals is Hill 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.
Hill County
What the Hill County economy runs on
- County GDP, 2024$1.72 bn
- County GDP, 2023$1.60 bn
- GDP change, 2023 to 20247.6 percent
- GDP change over five years70.0 percent
- Rank by GDP among Texas counties117th
- Rank by GDP among US county-equivalents1407th
- GDP per resident$46,115
Output grew 7.6 percent in the latest year and 70.0 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.
Hill County
Who employs people in Hill County
- Covered employment, annual average11,535
- Establishments reporting810
- Average annual pay$56,338
- Average weekly wage$1,083
- Sector 44-45, employment1,687
- Sector 44-45, average annual pay$35,193
- Sector 31-33, employment1,681
- Sector 31-33, average annual pay$58,086
- Sector 23, employment1,301
- Sector 23, average annual pay$78,798
- Sector 72, employment1,049
- Sector 72, average annual pay$19,642
- Sector 56, employment572
- Sector 42, employment538
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 1,687 | 113 | $35,193 |
| Sector 31-33 | 1,681 | 42 | $58,086 |
| Sector 23 | 1,301 | 72 | $78,798 |
| Sector 72 | 1,049 | 69 | $19,642 |
| Sector 56 | 572 | 31 | $57,253 |
| Sector 42 | 538 | 34 | $73,096 |
| Sector 48-49 | 230 | 38 | $57,154 |
| Sector 52 | 191 | 45 | $65,790 |
The largest sector is the biggest private employer group at 1,687 jobs, 14.6 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.
Hill County
What businesses operate in Hill County
- Establishments, all industries649
- Employment at those establishments8,017
- Annual payroll$376.2 m
- Establishments per 1,000 residents17.4
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.
Hill County
What is being built in Hill County
- Housing units authorised by permit, 202461
- Declared construction value permitted$14.1 m
- Single family units authorised56
- Multifamily units authorised5
- Multifamily share of units8.2 percent
- Average declared value per unit$231,339
- Units authorised per 1,000 households4.4
Multifamily is 8.2 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Hill County
How much SBA lending happens in Hill County
- 7(a) approvals recorded29
- 7(a) gross approval dollars$39.4 m
- Average 7(a) approval$1,358,507
- Median 7(a) approval$667,000
- 10th percentile approval$50,000
- 90th percentile approval$3,350,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)211
- Jobs per approval7.3
- Distinct 7(a) lenders active23
- Distinct industries receiving approvals19
- Median 7(a) term240 months
- Share of loans on real estate terms, 240 months or longer55.2 percent
- Loans on real estate terms16
- Loans on working capital terms, 120 months or shorter10
- Franchise loans12
- Franchise share of approvals41.4 percent
- Leading industry by approval countGasoline Stations with Convenience Stores (5)
- Most active lenderNewtek Bank, National Association (3)
- 504 approvals recorded5
- 504 gross approval dollars$5.3 m
- Average 504 approval$1,063,800
- Median 504 approval$1,227,000
- Distinct CDCs active2
- 504 jobs per approval1.6
- 504 jobs per million dollars approved1.5
- Most active CDCCapital Certified Development Corporation (3)
- 7(a) share of SBA approvals85.3 percent
- Combined SBA approval dollars$44.7 m
The average approval of $1,358,507 sits well above the median of $667,000, 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. 55.2 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.
Hill County
Do SBA loans in Hill County get paid back
- Loans with a final outcome recorded9
- Paid in full8
- Charged off1
- Status: Charged off1
- Status: Paid in full8
- Status: Cancelled3
- Status: Exempt from disclosure15
- Status: Committed, not yet disbursed2
Too few loans have reached a final outcome to publish a charge off rate. only 9 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.
Hill County
Which parts of Hill County get the lending
- Places in the county with recorded lending10
- HILLSBORO, approvals12
- WHITNEY, approvals7
- MOUNT CALM, approvals2
- Blum, approvals2
- MALONE, approvals1
- HUBBARD, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| HILLSBORO | 12 | $20,588,800 |
| WHITNEY | 7 | $8,889,000 |
| MOUNT CALM | 2 | $3,566,800 |
| Blum | 2 | $675,600 |
| MALONE | 1 | $50,000 |
| HUBBARD | 1 | $211,500 |
| AQUILLA | 1 | $150,000 |
| Itasca | 1 | $5,000,000 |
HILLSBORO accounts for 12 approvals against 7 in WHITNEY. 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.
Hill County
How big is Hill County
- Land area959 sq mi
- Rank by land area among Texas counties83rd of 254
- Width, east to west45 mi
- Height, north to south38.4 mi
- Geographies sharing a boundary6
- Residents per square mile of land39
- Establishments per square mile0.68
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.
Hill County
What hazards affect Hill County
- EPA radon zone predicted average indoor radon screening level less than 2 pCi/LZone 3
- Communities in the NFIP Community Status Book15
- Of those, participating in the NFIP9
- NFIP participation rate60.0 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 Hill 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 Hill County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population37,328
- Households13,767
- Average household size2.71
- Median household income$64,591
- Median age41.0
Common questions
Hill County questions, answered from the record.
How many people live in Hill County, Texas?
37,328, in 13,767 households, ranking 84th of 254 Texas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Hill County growing?
The population has grown 8.10 percent since the 2020 census base. In 2024 there were 435 births against 560 deaths, with net migration of 693. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Hill County?
$64,591. The median owner-occupied home is valued at $179,200, which is 2.8 times income, and median gross rent is $946 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Hill County?
649 establishments, employing 8,017 people with an annual payroll of $376.2 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 Hill County?
Average annual pay is $56,338, or $1,083 a week, across 11,535 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Hill County?
29 7(a) approvals totalling $39.4 m since FY2020, across 23 lenders, with a median approval of $667,000, plus 5 504 approvals worth $5.3 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Hill County?
61 housing units were authorised by permit in 2024, with a declared construction value of $14.1 m. Multifamily was 8.2 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Hill 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 Hill County come from?
The largest single origin is Hill County Non-migrants, with 12,655 households. Arriving households report an average income of $60,805 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 Hill 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 Hill 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.