Kendall County, Texas: commercial real estate data.
Kendall County, Texas has a population of 48,567 across 662 square miles, up 17.0 percent since the 2020 census base. County output reached $3.53 bn in 2024, 1,651 establishments operate here, and the SBA record carries 76 7(a) approvals worth $54.2 m.
128 sourced county values · tier FULL · 12 sections
Kendall County
How many people live in Kendall County
- Population48,567
- Households17,741
- Average household size2.74
- Median household income$114,962
- Median age43.2
- Median gross rent$1,606 per month
- Median owner-occupied home value$512,700
- Home value to household income4.5 times
- Annual rent as a share of median income16.8 percent
- Adults 25 and over with a bachelor degree or higher48.9 percent
- Adults 25 and over with a graduate degree16.9 percent
- Adults 25 and over34,029
- Population under 1810,852
- Share under 1822.3 percent
- Population 65 and over9,889
- Share 65 and over20.4 percent
- Working age population, 18 to 6427,826
- Civilian labor force23,310
- Unemployment rate4.7 percent
- Labor force participation, adults 18 and over61.8 percent
- Rank by population among Texas counties74th of 254
- Rank by population among US county-equivalents1032nd
Kendall County is the 74th largest of 254 Texas counties by population. A median home costs 4.5 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 22.3 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.
Kendall County
Is Kendall County growing
- Population change since the 2020 census base16.99 percent
- Census 2020 base population44,303
- Births, 2024434
- Deaths, 2024488
- Natural change, 2024-54
- Net domestic migration, 20241,238
- Net international migration, 2024152
- Total net migration, 20241,390
- Cumulative net domestic migration, 2021 to 20247,123
- Rank by growth among US county-equivalents37th
The county has grown 16.99 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.
Kendall County
Where people moving to Kendall County come from
- Tax returns filed by households arriving2,380
- People arriving, from those returns5,049
- Adjusted gross income arriving$343.5 m
- Net adjusted gross income movement$0
- Average income of an arriving household$144,318
- Largest single originKendall County Non-migrants (17,169 households)
- Largest single destination (17,169 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Kendall County Non-migrants | 17,169 | 37,931 | $3.25 bn |
| Bexar County | 953 | 2,099 | $145.3 m |
| Other flows - Different State | 550 | 1,209 | $84.5 m |
| Other flows - Same State | 278 | 536 | $40.7 m |
| Other flows - West | 267 | 618 | $43.3 m |
| Other flows - South | 159 | 315 | $21.3 m |
| Other flows - Midwest | 88 | 197 | $16.5 m |
| Comal County | 83 | 166 | $8.1 m |
The largest single source of arrivals is Kendall 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.
Kendall County
What the Kendall County economy runs on
- County GDP, 2024$3.53 bn
- County GDP, 2023$3.30 bn
- GDP change, 2023 to 20246.9 percent
- GDP change over five years57.1 percent
- Rank by GDP among Texas counties74th
- Rank by GDP among US county-equivalents888th
- GDP per resident$72,726
Output grew 6.9 percent in the latest year and 57.1 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.
Kendall County
Who employs people in Kendall County
- Covered employment, annual average20,557
- Establishments reporting1,942
- Average annual pay$62,562
- Average weekly wage$1,203
- Sector 44-45, employment3,894
- Sector 44-45, average annual pay$58,770
- Sector 23, employment2,490
- Sector 23, average annual pay$79,474
- Sector 72, employment2,176
- Sector 72, average annual pay$26,704
- Sector 62, employment2,110
- Sector 62, average annual pay$56,256
- Sector 31-33, employment1,254
- Sector 54, employment1,228
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 3,894 | 185 | $58,770 |
| Sector 23 | 2,490 | 262 | $79,474 |
| Sector 72 | 2,176 | 140 | $26,704 |
| Sector 62 | 2,110 | 187 | $56,256 |
| Sector 31-33 | 1,254 | 78 | $56,592 |
| Sector 54 | 1,228 | 278 | $93,170 |
| Sector 81 | 815 | 140 | $41,873 |
| Sector 52 | 757 | 117 | $114,805 |
The largest sector is the biggest private employer group at 3,894 jobs, 18.9 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.
Kendall County
What businesses operate in Kendall County
- Establishments, all industries1,651
- Employment at those establishments16,050
- Annual payroll$892.0 m
- Establishments per 1,000 residents34.0
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.
Kendall County
What is being built in Kendall County
- Housing units authorised by permit, 2024560
- Declared construction value permitted$112.0 m
- Single family units authorised560
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$200,000
- Units authorised per 1,000 households31.6
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Kendall County
How much SBA lending happens in Kendall County
- 7(a) approvals recorded76
- 7(a) gross approval dollars$54.2 m
- Average 7(a) approval$712,753
- Median 7(a) approval$350,000
- 10th percentile approval$25,000
- 90th percentile approval$1,867,500
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)1,445
- Jobs per approval19.0
- Distinct 7(a) lenders active35
- Distinct industries receiving approvals58
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer22.4 percent
- Loans on real estate terms17
- Loans on working capital terms, 120 months or shorter52
- Franchise loans25
- Franchise share of approvals32.9 percent
- Leading industry by approval countSnack and Nonalcoholic Beverage Bars (5)
- Most active lenderSecurity State Bank and Trust (7)
- 504 approvals recorded18
- 504 gross approval dollars$19.1 m
- Average 504 approval$1,061,389
- Median 504 approval$873,000
- Distinct CDCs active6
- 504 jobs per approval12.1
- 504 jobs per million dollars approved11.4
- Most active CDCTexas Certified Development Company, Inc. (6)
- 7(a) share of SBA approvals80.9 percent
- Combined SBA approval dollars$73.3 m
The average approval of $712,753 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 22.4 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.
Kendall County
Do SBA loans in Kendall County get paid back
- Loans with a final outcome recorded16
- Paid in full14
- Charged off2
- Charge off rate on resolved loans12.5 percent
- Status: Exempt from disclosure42
- Status: Paid in full14
- Status: Cancelled10
- Status: Charged off2
- Status: Committed, not yet disbursed8
Of the 16 loans that have reached a final outcome, 12.5 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.
Kendall County
Which parts of Kendall County get the lending
- Places in the county with recorded lending5
- BOERNE, approvals65
- COMFORT, approvals7
- SAN ANTONIO, approvals2
- Fredericksburg, approvals1
- FAIR OAKS RANCH, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| BOERNE | 65 | $37,759,600 |
| COMFORT | 7 | $14,192,100 |
| SAN ANTONIO | 2 | $450,000 |
| Fredericksburg | 1 | $1,750,000 |
| FAIR OAKS RANCH | 1 | $17,500 |
BOERNE accounts for 65 approvals against 7 in COMFORT. 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.
Kendall County
How big is Kendall County
- Land area662 sq mi
- Rank by land area among Texas counties222nd of 254
- Width, east to west30.4 mi
- Height, north to south28.9 mi
- Geographies sharing a boundary6
- Residents per square mile of land73
- Establishments per square mile2.49
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.
Kendall County
What hazards affect Kendall County
- EPA radon zone predicted average indoor radon screening level less than 2 pCi/LZone 3
- Communities in the NFIP Community Status Book3
- Of those, participating in the NFIP3
- NFIP participation rate100.0 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 6
- Communities carrying a CRS class1
The EPA places the county in radon zone 3, a predicted average indoor radon screening level less than 2 pCi/L. The best Community Rating System class in the county is 6, which carries a flood insurance premium discount for properties in the participating community.
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 Kendall 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 Kendall County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population48,567
- Households17,741
- Average household size2.74
- Median household income$114,962
- Median age43.2
Common questions
Kendall County questions, answered from the record.
How many people live in Kendall County, Texas?
48,567, in 17,741 households, ranking 74th of 254 Texas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Kendall County growing?
The population has grown 16.99 percent since the 2020 census base. In 2024 there were 434 births against 488 deaths, with net migration of 1,390. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Kendall County?
$114,962. The median owner-occupied home is valued at $512,700, which is 4.5 times income, and median gross rent is $1,606 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Kendall County?
1,651 establishments, employing 16,050 people with an annual payroll of $892.0 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 Kendall County?
Average annual pay is $62,562, or $1,203 a week, across 20,557 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Kendall County?
76 7(a) approvals totalling $54.2 m since FY2020, across 35 lenders, with a median approval of $350,000, plus 18 504 approvals worth $19.1 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Kendall County get paid back?
Of the 16 loans that have reached a final outcome, 14 were paid in full and 2 charged off, a charge off rate of 12.5 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Kendall County?
560 housing units were authorised by permit in 2024, with a declared construction value of $112.0 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Kendall 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 Kendall County come from?
The largest single origin is Kendall County Non-migrants, with 17,169 households. Arriving households report an average income of $144,318 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 Kendall 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 Kendall 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.