Lubbock County, Texas: commercial real estate data.
Lubbock County, Texas has a population of 318,884 across 896 square miles, up 5.4 percent since the 2020 census base. County output reached $19.82 bn in 2024, 8,019 establishments operate here, and the SBA record carries 258 7(a) approvals worth $169.3 m.
129 sourced county values · tier FULL · 12 sections
Lubbock County
How many people live in Lubbock County
- Population318,884
- Households126,225
- Average household size2.53
- Median household income$64,155
- Median age31.9
- Median gross rent$1,178 per month
- Median owner-occupied home value$214,100
- Home value to household income3.3 times
- Annual rent as a share of median income22.0 percent
- Adults 25 and over with a bachelor degree or higher33.4 percent
- Adults 25 and over with a graduate degree13.3 percent
- Adults 25 and over191,721
- Population under 1874,972
- Share under 1823.5 percent
- Population 65 and over42,314
- Share 65 and over13.3 percent
- Working age population, 18 to 64201,598
- Civilian labor force166,217
- Unemployment rate4.9 percent
- Labor force participation, adults 18 and over68.1 percent
- Rank by population among Texas counties18th of 254
- Rank by population among US county-equivalents229th
Lubbock County is the 18th largest of 254 Texas counties by population. A median home costs 3.3 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 23.5 percent against 13.3 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Lubbock County
Is Lubbock County growing
- Population change since the 2020 census base5.40 percent
- Census 2020 base population310,635
- Births, 20244,081
- Deaths, 20242,986
- Natural change, 20241,095
- Net domestic migration, 20241,652
- Net international migration, 20242,193
- Total net migration, 20243,845
- Cumulative net domestic migration, 2021 to 20246,592
- Rank by growth among US county-equivalents485th
The county has grown 5.40 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.
Lubbock County
Where people moving to Lubbock County come from
- Tax returns filed by households arriving7,512
- People arriving, from those returns13,320
- Adjusted gross income arriving$468.5 m
- Net adjusted gross income movement$0
- Average income of an arriving household$62,370
- Largest single originLubbock County Non-migrants (107,214 households)
- Largest single destination (107,214 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Lubbock County Non-migrants | 107,214 | 220,962 | $8.92 bn |
| Other flows - Different State | 1,910 | 3,430 | $132.5 m |
| Other flows - Same State | 917 | 1,591 | $58.5 m |
| Other flows - West | 716 | 1,342 | $57.2 m |
| Other flows - South | 629 | 1,120 | $39.7 m |
| Other flows - Midwest | 419 | 728 | $22.7 m |
| Hockley County | 290 | 544 | $19.2 m |
| Hale County | 254 | 486 | $10.6 m |
The largest single source of arrivals is Lubbock 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.
Lubbock County
What the Lubbock County economy runs on
- County GDP, 2024$19.82 bn
- County GDP, 2023$18.98 bn
- GDP change, 2023 to 20244.4 percent
- GDP change over five years31.4 percent
- Rank by GDP among Texas counties19th
- Rank by GDP among US county-equivalents261st
- GDP per resident$62,162
Output grew 4.4 percent in the latest year and 31.4 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.
Lubbock County
Who employs people in Lubbock County
- Covered employment, annual average151,811
- Establishments reporting8,294
- Average annual pay$54,452
- Average weekly wage$1,047
- Sector 62, employment21,708
- Sector 62, average annual pay$61,282
- Sector 44-45, employment19,641
- Sector 44-45, average annual pay$38,939
- Sector 72, employment19,467
- Sector 72, average annual pay$22,377
- Sector 23, employment8,006
- Sector 23, average annual pay$67,343
- Sector 42, employment6,478
- Sector 56, employment6,443
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 21,708 | 980 | $61,282 |
| Sector 44-45 | 19,641 | 1,062 | $38,939 |
| Sector 72 | 19,467 | 748 | $22,377 |
| Sector 23 | 8,006 | 855 | $67,343 |
| Sector 42 | 6,478 | 442 | $81,033 |
| Sector 56 | 6,443 | 402 | $41,490 |
| Sector 54 | 5,361 | 820 | $73,016 |
| Sector 48-49 | 5,317 | 220 | $53,711 |
The largest sector is the biggest private employer group at 21,708 jobs, 14.3 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.
Lubbock County
What businesses operate in Lubbock County
- Establishments, all industries8,019
- Employment at those establishments124,049
- Annual payroll$5.93 bn
- Establishments per 1,000 residents25.1
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.
Lubbock County
What is being built in Lubbock County
- Housing units authorised by permit, 20242,209
- Declared construction value permitted$568.4 m
- Single family units authorised1,911
- Multifamily units authorised298
- Multifamily share of units13.5 percent
- Average declared value per unit$257,296
- Units authorised per 1,000 households17.5
Multifamily is 13.5 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Lubbock County
How much SBA lending happens in Lubbock County
- 7(a) approvals recorded258
- 7(a) gross approval dollars$169.3 m
- Average 7(a) approval$656,181
- Median 7(a) approval$274,000
- 10th percentile approval$50,000
- 90th percentile approval$1,576,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)3,224
- Jobs per approval12.5
- Distinct 7(a) lenders active68
- Distinct industries receiving approvals121
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer11.2 percent
- Loans on real estate terms29
- Loans on working capital terms, 120 months or shorter208
- Franchise loans77
- Franchise share of approvals29.8 percent
- Leading industry by approval countHotels (except Casino Hotels) and Motels (12)
- Most active lenderCornerstone Capital Bank SSB (25)
- 504 approvals recorded169
- 504 gross approval dollars$136.2 m
- Average 504 approval$805,740
- Median 504 approval$486,000
- Distinct CDCs active5
- 504 jobs per approval14.0
- 504 jobs per million dollars approved17.4
- Most active CDCCaprock Business Finance Corporation, Inc. (86)
- 7(a) share of SBA approvals60.4 percent
- Combined SBA approval dollars$305.5 m
The average approval of $656,181 sits well above the median of $274,000, 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 11.2 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.
Lubbock County
Do SBA loans in Lubbock County get paid back
- Loans with a final outcome recorded51
- Paid in full44
- Charged off7
- Charge off rate on resolved loans13.7 percent
- Status: Exempt from disclosure169
- Status: Paid in full44
- Status: Cancelled29
- Status: Charged off7
- Status: Committed, not yet disbursed9
Of the 51 loans that have reached a final outcome, 13.7 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.
Lubbock County
Which parts of Lubbock County get the lending
- Places in the county with recorded lending6
- LUBBOCK, approvals241
- WOLFFORTH, approvals8
- SLATON, approvals3
- ROPESVILLE, approvals2
- IDALOU, approvals2
- SHALLOWATER, approvals2
| Place | Approvals | Gross approval dollars |
|---|---|---|
| LUBBOCK | 241 | $161,338,600 |
| WOLFFORTH | 8 | $1,822,000 |
| SLATON | 3 | $1,341,600 |
| ROPESVILLE | 2 | $2,352,000 |
| IDALOU | 2 | $1,003,500 |
| SHALLOWATER | 2 | $1,436,900 |
LUBBOCK accounts for 241 approvals against 8 in WOLFFORTH. 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.
Lubbock County
How big is Lubbock County
- Land area896 sq mi
- Rank by land area among Texas counties155th of 254
- Width, east to west30.5 mi
- Height, north to south30.4 mi
- Geographies sharing a boundary4
- Residents per square mile of land356
- Establishments per square mile8.95
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.
Lubbock County
What hazards affect Lubbock County
- EPA radon zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
- Communities in the NFIP Community Status Book10
- Of those, participating in the NFIP10
- 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 7
- Communities carrying a CRS class1
The EPA places the county in radon zone 2, a predicted average indoor radon screening level from 2 to 4 pCi/L. The best Community Rating System class in the county is 7, 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 Lubbock 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 Lubbock County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population318,884
- Households126,225
- Average household size2.53
- Median household income$64,155
- Median age31.9
Common questions
Lubbock County questions, answered from the record.
How many people live in Lubbock County, Texas?
318,884, in 126,225 households, ranking 18th of 254 Texas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Lubbock County growing?
The population has grown 5.40 percent since the 2020 census base. In 2024 there were 4,081 births against 2,986 deaths, with net migration of 3,845. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Lubbock County?
$64,155. The median owner-occupied home is valued at $214,100, which is 3.3 times income, and median gross rent is $1,178 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Lubbock County?
8,019 establishments, employing 124,049 people with an annual payroll of $5.93 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 Lubbock County?
Average annual pay is $54,452, or $1,047 a week, across 151,811 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Lubbock County?
258 7(a) approvals totalling $169.3 m since FY2020, across 68 lenders, with a median approval of $274,000, plus 169 504 approvals worth $136.2 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Lubbock County get paid back?
Of the 51 loans that have reached a final outcome, 44 were paid in full and 7 charged off, a charge off rate of 13.7 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Lubbock County?
2,209 housing units were authorised by permit in 2024, with a declared construction value of $568.4 m. Multifamily was 13.5 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Lubbock County?
Zone 2, a predicted average indoor radon screening level from 2 to 4 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Lubbock County come from?
The largest single origin is Lubbock County Non-migrants, with 107,214 households. Arriving households report an average income of $62,370 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 Lubbock 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 Lubbock 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.