McCulloch County, Texas: commercial real estate data.
McCulloch County, Texas has a population of 7,514 across 1,066 square miles, down 2.4 percent since the 2020 census base. County output reached $439.8 m in 2024, 219 establishments operate here, and the SBA record carries 3 7(a) approvals worth $2.4 m.
116 sourced county values · tier FULL · 12 sections
McCulloch County
How many people live in McCulloch County
- Population7,514
- Households3,297
- Average household size2.28
- Median household income$54,043
- Median age44.5
- Median gross rent$806 per month
- Median owner-occupied home value$150,500
- Home value to household income2.8 times
- Annual rent as a share of median income17.9 percent
- Adults 25 and over with a bachelor degree or higher23.9 percent
- Adults 25 and over with a graduate degree8.6 percent
- Adults 25 and over5,366
- Population under 181,647
- Share under 1821.9 percent
- Population 65 and over1,778
- Share 65 and over23.7 percent
- Working age population, 18 to 644,089
- Civilian labor force3,617
- Unemployment rate9.0 percent
- Labor force participation, adults 18 and over61.6 percent
- Rank by population among Texas counties180th of 254
- Rank by population among US county-equivalents2690th
McCulloch County is the 180th 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 65 and over outnumber those under 18, at 23.7 percent against 21.9 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.
McCulloch County
Is McCulloch County growing
- Population change since the 2020 census base-2.37 percent
- Census 2020 base population7,629
- Births, 2024100
- Deaths, 2024155
- Natural change, 2024-55
- Net domestic migration, 2024-10
- Net international migration, 2024-2
- Total net migration, 2024-12
- Cumulative net domestic migration, 2021 to 2024118
- Rank by growth among US county-equivalents2591st
The county has lost 2.37 percent of its population since the 2020 census base.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
McCulloch County
Where people moving to McCulloch County come from
- Tax returns filed by households arriving236
- People arriving, from those returns468
- Adjusted gross income arriving$16.4 m
- Net adjusted gross income movement$0
- Average income of an arriving household$69,610
- Largest single originMcCulloch County Non-migrants (2,769 households)
- Largest single destination (2,769 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| McCulloch County Non-migrants | 2,769 | 5,724 | $163.8 m |
| Other flows - Same State | 215 | 426 | $14.8 m |
| Other flows - Different State | 21 | 42 | $1.6 m |
| Other flows - West | 21 | 42 | $1.6 m |
The largest single source of arrivals is McCulloch 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.
McCulloch County
What the McCulloch County economy runs on
- County GDP, 2024$439.8 m
- County GDP, 2023$471.5 m
- GDP change, 2023 to 2024-6.7 percent
- GDP change over five years31.5 percent
- Rank by GDP among Texas counties194th
- Rank by GDP among US county-equivalents2480th
- GDP per resident$58,529
Output grew -6.7 percent in the latest year and 31.5 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.
McCulloch County
Who employs people in McCulloch County
- Covered employment, annual average2,298
- Establishments reporting276
- Average annual pay$49,698
- Average weekly wage$956
- Sector 44-45, employment375
- Sector 44-45, average annual pay$32,989
- Sector 62, employment230
- Sector 62, average annual pay$65,363
- Sector 21, employment148
- Sector 21, average annual pay$99,756
- Sector 42, employment142
- Sector 42, average annual pay$56,175
- Sector 52, employment107
- Sector 11, employment92
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 375 | 31 | $32,989 |
| Sector 62 | 230 | 17 | $65,363 |
| Sector 21 | 148 | 5 | $99,756 |
| Sector 42 | 142 | 10 | $56,175 |
| Sector 52 | 107 | 12 | $63,216 |
| Sector 11 | 92 | 30 | $35,387 |
| Sector 31-33 | 68 | 12 | $52,293 |
| Sector 23 | 63 | 22 | $37,349 |
The largest sector is the biggest private employer group at 375 jobs, 16.3 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.
McCulloch County
What businesses operate in McCulloch County
- Establishments, all industries219
- Employment at those establishments1,761
- Annual payroll$72.5 m
- Establishments per 1,000 residents29.1
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.
McCulloch County
What is being built in McCulloch County
- Housing units authorised by permit, 20240
- Declared construction value permitted$0
- Single family units authorised0
- Multifamily units authorised0
No residential units were authorised by permit in 2024. In a small county this is common and is not by itself a sign of distress, but it does mean there is no recent residential pipeline to read demand from.
US Census Bureau, Building Permits Survey, 2024 annual.
McCulloch County
How much SBA lending happens in McCulloch County
- 7(a) approvals recorded3
- 7(a) gross approval dollars$2.4 m
- Average 7(a) approval$802,333
- Median 7(a) approval$671,000
- 10th percentile approval$350,000
- 90th percentile approval$1,386,000
- Largest single approval$1,386,000
- Jobs reported supported, 7(a)43
- Jobs per approval14.3
- Distinct 7(a) lenders active3
- Distinct industries receiving approvals3
- Median 7(a) term277 months
- Share of loans on real estate terms, 240 months or longer66.7 percent
- Loans on real estate terms2
- Loans on working capital terms, 120 months or shorter1
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countGasoline Stations with Convenience Stores (1)
- Most active lenderCitizens Bank (1)
- 504 approvals recorded2
- 504 gross approval dollars$676,000
- Average 504 approval$338,000
- Median 504 approval$473,000
- Distinct CDCs active2
- 504 jobs per approval15.0
- 504 jobs per million dollars approved44.4
- Most active CDCNorth Texas Certified Development Corporation (1)
- 7(a) share of SBA approvals60.0 percent
- Combined SBA approval dollars$3.1 m
The average approval of $802,333 sits close to the median of $671,000, so lending here is fairly evenly sized rather than driven by a few large deals. 66.7 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.
McCulloch County
Do SBA loans in McCulloch County get paid back
- Loans with a final outcome recorded0
- Paid in full0
- Charged off0
- Status: Exempt from disclosure3
Too few loans have reached a final outcome to publish a charge off rate. only 0 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.
McCulloch County
Which parts of McCulloch County get the lending
- Places in the county with recorded lending2
- BRADY, approvals2
- BROWNWOOD, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| BRADY | 2 | $1,021,000 |
| BROWNWOOD | 1 | $1,386,000 |
BRADY accounts for 2 approvals against 1 in BROWNWOOD. 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.
McCulloch County
How big is McCulloch County
- Land area1,066 sq mi
- Rank by land area among Texas counties55th of 254
- Width, east to west30.3 mi
- Height, north to south38.1 mi
- Geographies sharing a boundary6
- Residents per square mile of land7
- Establishments per square mile0.21
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.
McCulloch County
What hazards affect McCulloch County
- EPA radon zone predicted average indoor radon screening level less than 2 pCi/LZone 3
- Communities in the NFIP Community Status Book2
- Of those, participating in the NFIP1
- NFIP participation rate50.0 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 McCulloch 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 McCulloch County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population7,514
- Households3,297
- Average household size2.28
- Median household income$54,043
- Median age44.5
Common questions
McCulloch County questions, answered from the record.
How many people live in McCulloch County, Texas?
7,514, in 3,297 households, ranking 180th of 254 Texas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is McCulloch County growing?
The population has fallen 2.37 percent since the 2020 census base. In 2024 there were 100 births against 155 deaths, with net migration of -12. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in McCulloch County?
$54,043. The median owner-occupied home is valued at $150,500, which is 2.8 times income, and median gross rent is $806 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in McCulloch County?
219 establishments, employing 1,761 people with an annual payroll of $72.5 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 McCulloch County?
Average annual pay is $49,698, or $956 a week, across 2,298 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in McCulloch County?
3 7(a) approvals totalling $2.4 m since FY2020, across 3 lenders, with a median approval of $671,000, plus 2 504 approvals worth $676,000. These are approvals recorded in the release, not loans disbursed.
What is being built in McCulloch County?
No residential units were authorised by permit in 2024. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for McCulloch 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 McCulloch County come from?
The largest single origin is McCulloch County Non-migrants, with 2,769 households. Arriving households report an average income of $69,610 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 McCulloch 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 McCulloch 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.