Kerr County, Texas: commercial real estate data.
Kerr County, Texas has a population of 53,489 across 1,103 square miles, up 2.5 percent since the 2020 census base. County output reached $3.19 bn in 2024, 1,581 establishments operate here, and the SBA record carries 36 7(a) approvals worth $16.6 m.
127 sourced county values · tier FULL · 12 sections
Kerr County
How many people live in Kerr County
- Population53,489
- Households22,615
- Average household size2.37
- Median household income$69,395
- Median age48.8
- Median gross rent$1,109 per month
- Median owner-occupied home value$321,200
- Home value to household income4.6 times
- Annual rent as a share of median income19.2 percent
- Adults 25 and over with a bachelor degree or higher31.3 percent
- Adults 25 and over with a graduate degree12.2 percent
- Adults 25 and over39,521
- Population under 189,675
- Share under 1818.1 percent
- Population 65 and over15,544
- Share 65 and over29.1 percent
- Working age population, 18 to 6428,270
- Civilian labor force24,951
- Unemployment rate3.3 percent
- Labor force participation, adults 18 and over56.9 percent
- Rank by population among Texas counties64th of 254
- Rank by population among US county-equivalents970th
Kerr County is the 64th largest of 254 Texas counties by population. A median home costs 4.6 times median household income, which is an affordable ownership market by national standards. Residents 65 and over outnumber those under 18, at 29.1 percent against 18.1 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.
Kerr County
Is Kerr County growing
- Population change since the 2020 census base2.48 percent
- Census 2020 base population52,598
- Births, 2024452
- Deaths, 2024761
- Natural change, 2024-309
- Net domestic migration, 2024243
- Net international migration, 202485
- Total net migration, 2024328
- Cumulative net domestic migration, 2021 to 20242,372
- Rank by growth among US county-equivalents1011th
The county has grown 2.48 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.
Kerr County
Where people moving to Kerr County come from
- Tax returns filed by households arriving1,755
- People arriving, from those returns3,110
- Adjusted gross income arriving$152.1 m
- Net adjusted gross income movement$0
- Average income of an arriving household$86,691
- Largest single originKerr County Non-migrants (20,504 households)
- Largest single destination (20,504 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Kerr County Non-migrants | 20,504 | 39,884 | $1.98 bn |
| Other flows - Different State | 433 | 730 | $45.7 m |
| Other flows - Same State | 408 | 758 | $31.3 m |
| Other flows - West | 247 | 404 | $28.5 m |
| Bexar County | 206 | 351 | $12.2 m |
| Gillespie County | 128 | 231 | $9.2 m |
| Travis County | 99 | 147 | $10.2 m |
| Other flows - South | 95 | 179 | $9.5 m |
The largest single source of arrivals is Kerr 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.
Kerr County
What the Kerr County economy runs on
- County GDP, 2024$3.19 bn
- County GDP, 2023$3.00 bn
- GDP change, 2023 to 20246.4 percent
- GDP change over five years40.4 percent
- Rank by GDP among Texas counties78th
- Rank by GDP among US county-equivalents936th
- GDP per resident$59,686
Output grew 6.4 percent in the latest year and 40.4 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.
Kerr County
Who employs people in Kerr County
- Covered employment, annual average19,471
- Establishments reporting1,559
- Average annual pay$56,546
- Average weekly wage$1,087
- Sector 44-45, employment2,798
- Sector 44-45, average annual pay$41,411
- Sector 72, employment2,589
- Sector 72, average annual pay$28,691
- Sector 23, employment1,924
- Sector 23, average annual pay$65,180
- Sector 31-33, employment1,418
- Sector 31-33, average annual pay$72,089
- Sector 81, employment671
- Sector 52, employment421
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 2,798 | 178 | $41,411 |
| Sector 72 | 2,589 | 144 | $28,691 |
| Sector 23 | 1,924 | 203 | $65,180 |
| Sector 31-33 | 1,418 | 58 | $72,089 |
| Sector 81 | 671 | 124 | $44,256 |
| Sector 52 | 421 | 89 | $79,093 |
| Sector 42 | 315 | 63 | $72,891 |
| Sector 71 | 274 | 23 | $34,913 |
The largest sector is the biggest private employer group at 2,798 jobs, 14.4 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.
Kerr County
What businesses operate in Kerr County
- Establishments, all industries1,581
- Employment at those establishments18,330
- Annual payroll$928.9 m
- Establishments per 1,000 residents29.6
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.
Kerr County
What is being built in Kerr County
- Housing units authorised by permit, 2024406
- Declared construction value permitted$62.5 m
- Single family units authorised97
- Multifamily units authorised309
- Multifamily share of units76.1 percent
- Average declared value per unit$153,863
- Units authorised per 1,000 households18.0
Multifamily is 76.1 percent of units authorised, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Kerr County
How much SBA lending happens in Kerr County
- 7(a) approvals recorded36
- 7(a) gross approval dollars$16.6 m
- Average 7(a) approval$462,258
- Median 7(a) approval$153,000
- 10th percentile approval$45,000
- 90th percentile approval$1,462,000
- Largest single approval$2,320,000
- Jobs reported supported, 7(a)232
- Jobs per approval6.4
- Distinct 7(a) lenders active19
- Distinct industries receiving approvals31
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer16.7 percent
- Loans on real estate terms6
- Loans on working capital terms, 120 months or shorter27
- Franchise loans2
- Franchise share of approvals5.6 percent
- Leading industry by approval countResidential Remodelers (3)
- Most active lenderSecurity State Bank and Trust (4)
- 504 approvals recorded13
- 504 gross approval dollars$8.6 m
- Average 504 approval$663,308
- Median 504 approval$569,000
- Distinct CDCs active3
- 504 jobs per approval10.8
- 504 jobs per million dollars approved16.4
- Most active CDCCapital Certified Development Corporation (6)
- 7(a) share of SBA approvals73.5 percent
- Combined SBA approval dollars$25.3 m
The average approval of $462,258 sits well above the median of $153,000, 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 16.7 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.
Kerr County
Do SBA loans in Kerr County get paid back
- Loans with a final outcome recorded7
- Paid in full6
- Charged off1
- Status: Exempt from disclosure23
- Status: Cancelled5
- Status: Paid in full6
- Status: Charged off1
- 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.
Kerr County
Which parts of Kerr County get the lending
- Places in the county with recorded lending7
- Kerrville, approvals24
- Ingram, approvals5
- Mountain Home, approvals3
- Center Point, approvals1
- JOURDANTON, approvals1
- Kerrville Texas, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Kerrville | 24 | $10,257,000 |
| Ingram | 5 | $3,402,300 |
| Mountain Home | 3 | $2,380,000 |
| Center Point | 1 | $100,000 |
| JOURDANTON | 1 | $55,000 |
| Kerrville Texas | 1 | $150,000 |
| Hunt | 1 | $297,000 |
Kerrville accounts for 24 approvals against 5 in Ingram. 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.
Kerr County
How big is Kerr County
- Land area1,103 sq mi
- Rank by land area among Texas counties48th of 254
- Width, east to west50.3 mi
- Height, north to south35.2 mi
- Geographies sharing a boundary6
- Residents per square mile of land48
- Establishments per square mile1.43
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.
Kerr County
What hazards affect Kerr County
- EPA radon zone predicted average indoor radon screening level less than 2 pCi/LZone 3
- Communities in the NFIP Community Status Book4
- Of those, participating in the NFIP4
- 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 Kerr 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 Kerr County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population53,489
- Households22,615
- Average household size2.37
- Median household income$69,395
- Median age48.8
Common questions
Kerr County questions, answered from the record.
How many people live in Kerr County, Texas?
53,489, in 22,615 households, ranking 64th of 254 Texas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Kerr County growing?
The population has grown 2.48 percent since the 2020 census base. In 2024 there were 452 births against 761 deaths, with net migration of 328. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Kerr County?
$69,395. The median owner-occupied home is valued at $321,200, which is 4.6 times income, and median gross rent is $1,109 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Kerr County?
1,581 establishments, employing 18,330 people with an annual payroll of $928.9 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 Kerr County?
Average annual pay is $56,546, or $1,087 a week, across 19,471 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Kerr County?
36 7(a) approvals totalling $16.6 m since FY2020, across 19 lenders, with a median approval of $153,000, plus 13 504 approvals worth $8.6 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Kerr County?
406 housing units were authorised by permit in 2024, with a declared construction value of $62.5 m. Multifamily was 76.1 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Kerr 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 Kerr County come from?
The largest single origin is Kerr County Non-migrants, with 20,504 households. Arriving households report an average income of $86,691 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 Kerr 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 Kerr 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.